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When you think about the picturesque vastness of the mountainous west, there's a good chance you're thinking about Colorado. And if you're thinking about Colorado, there's a good chance you're thinking about home, sweet home. Whether you've made your home in the Mile-High City of Denver, the former Steel City of Pueblo or out among the peaks of the Rocky Mountains, it's important to keep it safe.
Protect yours with flexible, reliable homeowners insurance from Nationwide. Find out more about our home insurance discounts and get a Colorado renters insurance quote today with Nationwide.
Colorado homeowners coverages and discounts
What we can cover
Homeowners insurance can protect your home against theft, fire, lawsuits, weather damage and other covered losses.Explore coverages & options
Brand New Belongings®
Repair or replace your covered possessions, regardless of age or condition.Get Brand New Belongings®
Homeowners insurance discounts
Making your policy more affordable.See how you can save
Bundle your insurance policies and save money
Looking for savings as high as the Rockies? You can save up to 20 percent when you bundle your home and auto insurance with Nationwide. That's more money for funding your burgeoning mountaineering career or for getting out to Mile High Stadium more often. You can also bundle other coverages such as boat and auto, multicar, and auto, home and life insurance. Get all the coverage you need in one place and save more of your money for enjoying everything Colorado has to offer.
What factors go into determining a homeowners insurance rate?
While the average cost of homeowners insurance varies based on a number of components, these are common factors that insurance companies use to assess risk and determine your rate:
Location includes the state, ZIP code, and claims history of the area.
The materials that were used to build the house. If a custom home is being built additional coverage may be required to cover the construction site.
Age of the house
How new or old the house is, and the upgrades that were made to an older home.
The replacement cost is the cost of fully rebuilding the same house. This is typically assessed by an appraiser.
Owning a swimming pool may increase your liability coverage to cover possible injuries.
If you a run a business out of your home your premium may increase to cover the inventory, equipment, and supplies.
The type of coverage you choose and how much personal property and liability protection you want your home insurance policy to cover.
Find Nationwide Insurance near you in Colorado
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Get a free Colorado homeowners insurance review
- Increase or decrease your deductible(s)
- Determine the home insurance coverage options that are right for your budget and situation. For instance, did you recently build a garage or gazebo you need covered? Have you installed a protective device that could qualify you for a discount? The On Your Side® Review is a great time to make these types of updates to your policy.
- Review our responsive home insurance claim policy
Nationwide coverage in Colorado
 Water Backup is an optional feature. Exclusions and limits apply. Details vary by state and policy language. Please consult your policy for the specifics of your selected coverages.
Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply.