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colorado homeowners insurance

Colorado is home to untamed wilderness, rugged landscapes, and unpredictable weather; and frankly, that's what we love about it. If you're a Colorado homeowner, though, it might be a different story, as the wild side of your state can mean major property damage to your abode.

Colorado home insurance can help rebuild your home in case snow, wind, fire, or any other of Mother Nature's nuisances strike. It can also protect other structures on your property, replace stolen or damaged valuables inside your home, and even provide liability insurance for your family. Thankfully, with home insurance from Esurance, you can appreciate the elements now instead of worrying about how they might impact your future.

perks of an esurance policy

A speedy quote process

Got an auto policy with us already? Great, because then your personal info is automatically filled in when you get your Colorado homeowners insurance quote, so buying coverage is a breeze.

Flexible payment options

Your homeowners policy comes with a no-frills, straightforward 12-month policy term, which you can pay:

  • Monthly
  • With your escrow account
  • All up front

Customizable coverage limits

Basements, fireplaces, crawl spaces … Because every house is different, you shouldn't have to pay for coverages you might not use. That's why in order to get you the ideal amount of protection for your home, we offer a wide range of coverage limits.

cash-saving discounts in colorado

As you're speeding through the quote process, you'll see an assortment of handy discounts that can help save you money on your home insurance.

Smoke-Free discount
If you boast a smoke-free household, you could qualify for this discount.

Welcome Home discount
We're glad to have you at Esurance, whether you're coming to us from another company or need to insure a newly purchased home. That's why we'll apply awesome savings to your first 2 policy terms.

Home Safety Features discount
You could nab savings if you've got common safety features like burglar alarms and overhead fire sprinklers.

Multi-Policy discount
More policies with us means more savings from us. You'll score this discount for insuring your home and car with Esurance.

More handy home insurance discounts in Colorado include the Claim-Free discount, Preferred Buyer discount, New Home discount, Hail Resistant Roof discount, Future Effective Date discount, DIY Inspection discount, and the Loyal Customer discount.

standard home insurance coverages

Your Esurance homeowners policy provides a range of coverages to protect you and your home.

Personal property protection

Your house is home to all of your personal belongings — electronics, furniture, clothing, and other things amassed over the years — and thankfully, your policy helps protect them.

Dwelling protection

If a fire, wind, or other covered incident damages your home, your homeowners insurance can help you repair or rebuild. It's smart to invest in at least enough dwelling protection coverage to cover the total cost of rebuilding your home (plus, you can always tack on more coverage if you'd like).

Liability protection

This protection kicks in if you accidentally cause property damage or injure someone — think legal fees, medical bills, and settlement amount.

Depending on its breed, liability protection could also come in handy if your family pup bites a guest. In that case, your policy could help cover their medical expenses and your liability costs.

Other structures coverage

Homeowners in Colorado get their fair share of extreme weather changes (or should we say unfair share?). When you insure your home with us, you can even get protection for structures not attached to your main house, like your carport or gazebo.

Additional living expense coverage

Accidents happen, and a covered loss could potentially render your house uninhabitable for a while. But if you need to stay elsewhere after such a disaster, fear not — your Esurance policy can help pay for your food costs, hotel bill, and other essentials for up to 12 months (up to your limit).

increased protection with added coverages

To help you get the best protection for your Colorado abode (and appliances, precious gems, and other fancy odds and ends), consider tacking on some additional coverages.

Eco upgrade

Colorado is the place for environmentally-conscious people (who wouldn't want to maintain a landscape like yours?). This coverage helps you keep your home as pro-environment as your land. Basically, if you've got an energy-inefficient appliance in your house and a covered incident wrecks it, this coverage can help you upgrade to an ENERGY STAR qualified product.

Identity theft expense coverage

If your identity is ever stolen, you want to know there's a way to restore it to its former glory. Fortunately, there is.

For only $3 a month ($4 for 2 people), we bring in a dedicated service to help repair the damage done to your name and credit as a result of ID theft. Choosing this coverage also gets you monthly credit file monitoring, an annual credit report and score, and a dedicated ID theft advisor.

Home day care coverage

If you're in the business of caring for kids in your home, home day care coverage is a useful addition to your standard home policy. Depending on the number of kids you're responsible for, this coverage can protect your liability.

Additional coverage on jewelry, watches, and furs

Basic personal property coverage might not be enough for some of your big-ticket items. But by getting additional protection for your valuables, you're covered if they're damaged or stolen.

Related links

What's your stuff worth?
See what hidden treasures might be hiding with your everyday items and how to protect them.

Home maintenance tips
Check out these 7 home maintenance tips designed to save you some grief and some green.

Wonder if you could be saving on homeowners insurance?

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or call 1-866-439-5633