Colorado Homeowners Insurance

Need a Comparison for Homeowners Insurance in Colorado?

Regardless of whether you live in Denver or any other part of Colorado, homeowners insurance is one of the most important insurance policies you could ever own.

homeowners insurance colorado

Like most homeowners in Colorado, your home is your most valuable asset and should be protected as such. In the event your home is damaged or destroyed, you need your claim settled by an insurance company that understands the importance of where you call home.

It’s important to understand that no two homeowners insurance policies are created equal. Different insurance companies offer distinct levels of coverage, various endorsements and riders, and have unique conditions and limitations.

Centennial State Insurance Agency can help you find the best homeowners insurance Denver has to offer. We will find coverages that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and competitive pricing.

Note: If you are looking for homeowners insurance for a rental property, or home that is un-occupied, you cannot use traditional homeowners insurance. You need a “specialty dwelling” policy which we can also help you with.

Colorado Homeowners Insurance

If you’re not using an independent agent in Colorado like us, it can be hard, if not impossible to tell the difference between two homeowners insurance policies.

Whether you own or rent, securing adequate insurance coverage for the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.

Homeowners insurance policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that covers losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses.

7 Common Homeowners Insurance Coverages

Below are seven of the most common coverages you typically see on a policy:


Dwelling coverage is the portion of your policy that covers the actual structure, or the main house. The cost to replace your home can fluctuate from time to time based on the cost of raw material and labor and, of course, supply and demand.

We’ll run a replacement cost analysis on your home to see how much it would actually cost if the worst happened, causing you to rebuild.

Other Structures

This covers any other structures on your property that are not permanently attached to your house. In such case, other structures would include fencing, driveways, sidewalks, and even detached buildings such as sheds and garages.

Typically, this coverage is 10% of your dwelling limit, but can be increased if you need more coverage. For example, if your dwelling limit is $100,000, your other structures coverage would cap at $10,000 unless otherwise endorsed.

Personal Property

Personal property coverage insures all your personal belongings, including clothing, furniture, electronics, and appliances. Essentially, if you were to flip your house upside down and shook out the contents, this coverage applies to anything that would no longer be attached or inside your home.

Loss of Use

This coverage pertains to necessary living expenses that accrued in the event you needed temporary housing arrangements because your primary home is uninhabitable due to a loss.

Medical Expense

This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off your property. However, it is important to note that this coverage excludes health care costs for you or other members of your household.

Family/Personal Liability

Personal Liability Coverage applies if someone is injured, or their property is damaged, and you are at fault in any way. The coverage generally applies anywhere in the world.

When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued. In some situations, an Umbrella insurance policy may be necessary to provide extra coverage if you exceeded your policy limits.

Scheduled Personal Property Call Today!

There are some situations where you might want special coverage for valuables or collectibles such as jewelry, guns, collectibles, and even tapestries or rugs.

Get Started with Your Colorado Homeowners Insurance Quote

Every home is unique, and therefore requires a carefully crafted policy.

If you are interested in having us review your current policy and provide you with obligation-free quotes, call our office today or submit some basic information in the fields below to get started online.

Please complete the form below for a quote.

Request Your Proposal Here

Are you ready to save time, aggravation, and money? The team at Centennial State Insurance Agency is here and ready to make the process as painless as possible. We look forward to meeting you!

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