Denver Home Insurance: What Smart Shoppers Need to Know

Standing exactly one mile above sea level, Denver is one of the most beautiful and unique cities in the country. But major weather-related perils are not uncommon in the Mile High City, and homeowners face unique challenges when safeguarding their homes with Denver home insurance.

Winter Weather Damage and Denver Home Insurance

In Denver and throughout the state of Colorado, homeowners battle the elements year-round. On average, Colorado suffers 2,500 wildfires¹ and 60 tornadoes each year², with losses due to flooding toping $54 million annually³.

Denver home insurance provides coverage for a wide array of weather-related damage, including:

• Damage caused by snow, ice or wind
• Loss caused by falling trees or other objects
• Collapse of a structure due to weight of snow or ice

Denver Home Insurance Does Not Cover Flood Damage

Despite the city’s high elevation, flooding is a major concern in Denver. Unfortunately, many homeowners don’t realize that flood insurance coverage is not part of Denver home insurance—a separate flood insurance policy is necessary to protect against flood damage.

Denver Home Insurance Protects Against Wildfires

With more than six million acres of forest in Colorado at risk for catastrophic wildfires, wildfires are a major concern for Denver homeowners. Fortunately, Denver home insurance covers damage caused by wildfires, and homeowners can help prevent fire damage by taking the following steps:

• Enclose decks and patios with brick, stone, stucco or other fire-resistant materials
• Use only non-combustible roofing products
• Clear a safety zone around your home by removing all trees, leaves, brush and pine needles within 100-500 feet, and space trees on the property at least 10 feet apart

Easy Ways to Save on Denver Home Insurance

The average home insurance rate in Colorado is over $67 per month⁴—far from the cheapest rate in the nation. But homeowners could save money on Denver home insurance by following these simple money-saving tips:

• Look into discounts on Denver home insurance for installing smoke detectors, security systems, deadbolt locks, storm shutters and fire-retardant roofing
• Purchase your Denver home insurance and auto insurance from the same insurer and save up to 15 percent on both premiums
• Raise your deductible—increasing your deductible from $250 to $1,000 could cut your premium by up to 25 percent⁵

Compare Denver Home Insurance Quotes

Without comparing Denver home insurance rates from the hundreds of agents and providers who partner with InsWeb.com, you’ll never know how much you could save. Just fill out one simple form and agents will provide you with no-obligation Denver home insurance quotes at your convenience. The whole process is free, and you could save hundreds of dollars a year!

¹ National Weather Service Weather Forecast Office