Colorado Homeowners Insurance

Living in the Centennial State

With High Plains to the east of the Rocky Mountains and desert canyons and mesas to the west, the Continental Divide running through Colorado gives the state two distinctive regions. Wherever you live in Colorado Safeco offers insurance for your home in the Centennial State. When looking for home insurance coverage in Colorado, consider how the climate of the eastern Plains, the Rocky Mountains and the Western Slope has the ability to adversely affect your home and property. Severe weather patterns like hailstorms, tornadoes, flash flooding, wildfires, freezing temperatures and heavy snow pose threats to homes in Colorado. Get your Colorado home insurance quote today.

Colorado Home Insurance Choices

Safeco Essential™

With standard coverage to help pay for repairs or to rebuild your home and other buildings on your property, Safeco Essential™ offers Colorado homeowners an affordable blend of coverage and value.

Safeco New Quality-Plus™

For Colorado homeowners looking for more than our standard level of coverage, Safeco New Quality-Plus™ offers additional coverage and higher limits than Safeco Essential™.

Safeco Optimum™

Colorado homeowners who need increased levels of protection for extensive assets and treasured belongings, Safeco Optimum™ offers a higher level of protection.

Colorado Home Insurance Discounts

Safeco offers several ways for Coloradans to lower your homeowners insurance bill. Talk to your local Safeco insurance agent about ways to save with Colorado home insurance discounts.

Advance Quote

New Safeco customers with a policy that starts at least one day after receiving a quote are eligible for a discount. Get your Colorado homeowners insurance quote today and start saving tomorrow.

Hail-Resistant Roofing

Save 15% on your Colorado homeowners insurance bill if your home is constructed with at least UL class 4 impact-resistant roofing.

More Than One Policy

Coloradans who also have an active auto or umbrella policy with Safeco may qualify for a homeowners insurance discount.

Colorado Home Insurance Coverage Options

All Safeco Colorado homeowners insurance policies come packed with standard coverage to help pay for repairs or to rebuild your home and other buildings on your property. Also called endorsements or riders, Coloradans have the option to choose even more types of home insurance coverage in addition to our many popular home insurance coverage options.

Above and Beyond

Get an additional 25% or 50% more protection than the limit stated in your policy. In the event of a major or total loss to your home, extended dwelling coverage will help pay for unexpected repair or rebuilding costs that exceed the amount covered by your base Colorado homeowners insurance policy.

Home Business

Coverage for some types of home-based businesses such as piano teachers, tutors and accountants can be added to your Colorado homeowners policy.

Home Day Care

Get liability coverage for home day care services provided in your home for up to three people.

Hobby Farm Insurance

If your farm is not your main source of income and meets certain eligibility requirements, incidental farming coverage helps cover the cost of damage to your farm property, tools and equipment and for animal collisions. Your home insurance liability coverage is extended to your hobby farm and adds medical payments for farm employees. Ask your Safeco agent if hobby farm insurance is right for you and your farm.

Libel and Slander

Protection for nonphysical injuries like libel and slander are not part of a standard home insurance policy. Add personal offense coverage to help protect yourself against libel and slander liability.

Severe Weather and Acts of Nature in Colorado

Flooding in Colorado

With a lack of vegetation to absorb rainfall, areas that have been scarred by wildfires tend to be particularly susceptible to flash flooding. Rain from intense summer thunderstorms and spring snowmelt are the main sources of flood water in Colorado.

Does home insurance cover flood damage in Colorado?

Flood damage is not covered by a standard homeowners insurance policy. To insure your home against flood damage, you need to purchase flood insurance backed by the National Flood Insurance Program. Learn more about floods on the Flood Smart website.

Thunderstorms, Lightning and Hail

Thunderstorms bring high winds, hail and lightning. Lightning can start fires and cause electrical surges that damage home electronics. Lightning and high winds can knock over trees and tree branches that can cause damage to your home or your neighbor’s home and property. Hail is capable of causing significant damage to roofing, skylights and windows.

Does home insurance cover lightning strikes and hail damage?

The cost to repair common lightning and wind damage associated with thunderstorms is covered as part of a typical home insurance policy, as is the cost to repair common hail damage to your roof, siding and personal belongings.

Mudslides and Mudflows in Colorado

Mudslides and mudflows tend to happen after periods of intense rain and particularly in areas that have been scarred by wildfires. Mudflows are different than mudslides. According to the National Flood Insurance Program “mudflows are rivers of liquid and flowing mud on the surface of normally dry land.” Mudslides are a type of landslide typically caused by sloping ground inundated with water.

Does home insurance cover mudslides and mudflows?

Mudlfows and mudslides are not generally covered by a standard homeowners insurance policy. Mudflows are covered by flood insurance. Mudslides may be covered by flood insurance if they meet strict criteria.

Tornadoes in Colorado

The eastern Plains of Colorado are particularly susceptible to tornadoes, being on the western edge of Tornado Alley. Colorado had an average of 53 tornadoes touch down a year between 1991 and 2010.

Does home insurance cover tornado damage?

A typical home insurance policy covers the cost to repair damage caused by a tornado.

Wildfires in Colorado

Colorado is no stranger to the damaging effects of wildfires. With hot temperatures and dry vegetation, many areas and communities in Colorado are susceptible to wildfires.

Does home insurance cover wildfire damage in Colorado?

Your home insurance policy typically covers the cost to repair common wildfire damage to your home and personal belongings.

Winter Weather in Colorado

Below freezing temperature throughout the state and snowfall in the Rocky Mountains can lead to common winter weather problems such as frozen pipes, roof collapse from snow, damage from falling trees and branches, ice dam damage and cracked foundations.

Cold winter temperatures can:

  • Freeze and burst pipes
  • Damage gutters and shingles

Heavy, wet snow can:

  • Overload and collapse your roof
  • Break tree branches that fall and damage your home

Is damage from winter weather covered by home insurance?

Your home insurance policy typically helps cover the cost to repair common winter weather damage to your roof, plumbing and personal belongings.

© 2014 Liberty Mutual Insurance, 175 Berkeley Street, Boston, Massachusetts, 02116

Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria. 36 USC 220506