Denver, known for its eternal sunshine and bountiful outdoor activities, boasts an average of 300 sunny days a year, an abundance of scenic parks and all the outdoor sports you could want. Whether you came for the sports, the nature or the high quality of life, hanging your hat in Denver is making sure you don’t settle for anything but the best. 

Colorado’s state capital isn’t nicknamed “The Mile High City” for nothing, as its high altitude makes it a fun place to soak up some fresh air in Cheesman Park or Capitol Hill. What’s not to love about life in this urban hub? But no matter why you love living in Denver, you’ll likely want home insurance to protect your home and all your belongings (so make sure to check out our tips before you buy).

How much is homeowners insurance in Denver, Colorado?

Illustration of three houses with green doors and smoke coming out of the chimney of one

Homeowners insurance in Denver comes out to about $2,886 a year. To put this into perspective, that’s about 360 large orders of the city’s famous green chile cheese fries or 4 season passes to watch the Denver Broncos football team. Home insurance in Colorado, for comparison, is on average $1,680 annually.

Why is homeowners insurance in Denver so expensive? A big part of the reason is that Denver experiences strong weather patterns, facing intense snowstorms each winter that can drive up premiums. Your insurance premium can vary based on a few different things, including your location, insurance score, and your house’s age and size. 

Denver’s homeowners insurance comes out to about $2,886 per year — about 360 large orders of the city’s famous green chile cheese fries!

One common mistake that many people make is not researching how much home insurance they should buy, and then just purchasing the lowest-cost option. When you are shopping around, no matter if you're buying home insurance in Colorado Springs or Denver, make sure to consider your family’s lifestyle choices and the types of protection your home may need, as well as personal property, regular activities and comfort needs such as air conditioning. 

Is homeowners insurance required in Colorado?

While homeowners insurance isn’t required by law in Colorado, there are many cases where you’ll still need it. If you’re buying a home, you will presumably be asked to provide proof of insurance by your mortgage lender. 

Denver Home Insurance Premiums

What does home insurance in Denver cover? 

Your typical home insurance policy in Denver covers your dwelling, personal belongings and liability. If you're one of Denver's many residents with a collection of sports equipment in your home, rest assured your policy covers these as part of a total value assigned to your belongings. For enhanced protection, you should look into whether scheduled personal property is the right move. 

If it’s the skis you take to Copper Mountain in the winter or the roller skates you cruise around in at Washington Park over the summer, having the right homeowners insurance keeps all your favorite active gear protected. 

It’s a fact that Denver isn’t just a central tech hub, but it is also a hot spot for the Zoom boom that has taken place since the pandemic hit last year. Hippo home insurance covers up to four times the value of all your electronic gadgets. Ultimately, your home insurance is there to address your personal needs and lifestyle choices. This is why it’s so important to pick the type of homeowners insurance that’s right for you.

Denver Insurance Coverage Options

Traditional coverage


Supplemental coverage


Considerations for Denver homeowners

Here’s some relevant information for anyone thinking about buying a home in Denver, Colorado. First, Denver inhabitants love being outdoors, and with over 200 parks in the metropolitan area alone, it’s no wonder the park culture is so prevalent. So, if you are looking for a home with access to scenic parks and nature, Denver is the place. 

In terms of weather, Denver has it all. With all four seasons happening year-round, it’s a good thing to prepare for everything from blizzards and heat waves to power outages and other major climatic events like thunderstorms or the occasional tornado.

Tips for lowering your homeowners insurance premium

While deciding on what type of homeowners insurance your home needs may cost you, the good news is there are several ways to lower your premium. Some of these ways include installing smart home devices during your next home renovation, upgrading your home’s internal system often and shopping for a new provider to make sure you have the best policy for your individual and family needs.

Whether it’s the local parks, proximity to ski resorts or the world’s largest natural hot springs that made you want to settle down in the Centennial State’s Mile High City, this is a great place to call home. For the protection of your home and all its belongings, Hippo home insurance is here to help. Contact us today for a free quote.

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