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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. Get a free quote for home insurance from Esurance and you'll see how affordable protection from the elements can be.

cash-saving discounts in colorado

Colorado residents know there are few things more beautiful than a snow-covered slope each winter. But saving money on your homeowners policy comes pretty close. And as you're speeding through the quote process, you'll see an assortment of handy discounts that can help save you even more on home insurance in the Centennial State.

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.

Our other discounts in Colorado include:

  • Smoke-Free discount
  • Claim-Free discount
  • Preferred Buyer discount
  • Hail Resistant Roof discount
  • Future Effective Date discount
  • DIY Inspection discount
  • Loyal Customer discount
  • Home Safety Features discount
  • New Home discount

standard home insurance coverages

Ideally, nothing ever goes wrong with your house — the roof never creaks or leaks, the pipes never freeze … you get the picture. But your Esurance homeowners policy provides a range of coverages to protect you and your home in Colorado (and much more), in case things take a turn for the worse.

Dwelling protection

Colorado's hail "season" is considered to be from mid-April to mid-August, with 3 or 4 severe hailstorms every year. But before you let those numbers send you running for the hills, keep in mind that your policy protects you and your home from covered risks like hail, wind, fire, and more. So say your roof is damaged by a hailstorm — you don't have to worry about paying for repairs yourself.

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.

Your Esurance home policy also includes these standard coverages:

  • Personal property protection
  • Guest medical protection
  • Additional living expense coverage
  • Other structures coverage

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 a 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.

Esurance also offers even more optional coverages to help you make the most of your policy, like building codes coverage, identity theft expense coverage, and additional coverage on jewelry, watches, and furs.

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Wonder if you could be saving on homeowners insurance?

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or call 1-866-439-5633