Colorado home insurance

Colorado homeowners face many challenges living in the Mountain State. Harsh winters bring frozen pipes, ice dams, and snow. Hot summers mean thunderstorms and hail that unexpectedly damage property. Liberty Mutual understands the needs of Colorado homeowners and offers customized homeowners insurance coverage to fit your specific situation.

The following insurance coverage comes standard with any homeowners policy:

• Personal property coverage
• Personal Liability and Medical Payment to Others
• Dwelling (Property damage to your home)
• Wind/hail²
• Hurricane damage²
• Additional Living Expenses/Loss of Rent

Note that most tornado damage is generally covered under these standard coverage policies.

The following insurance coverages are recommended for homeowners in Colorado:

• Flood insurance: Homeowners insurance generally does not cover damage caused by floods, including flash floods which can be an issue in Colorado during coastal storms and other seasonal rain events. Keep in mind that even if you are not in a flood zone, flooding frequently occurs outside of flood risk areas.

  Liberty Mutual offers flood insurance in partnership with the National Flood Insurance Program (NFIP) under the Federal Emergency Management Agency (FEMA). While flood insurance needs to be purchased separately and is often optional, it may be required to secure a home loan if you live in a high-risk flood area.

• Personal property replacement cost: If your belongings are lost or damaged in a covered loss such as from theft or a fire, this coverage will cover the cost of brand-new replacement items.

The following optional homeowners insurance coverages should be considered by all homeowners in Colorado:

• Blanket Jewelry
• Escape of Water
• Personal Electronics Coverage

See our complete list of homeowners insurance coverage

We are excited to offer a wildfire response benefit at no additional cost to all Liberty Mutual Colorado homeowner and Landlord Protection® policyholders.

Wildfire Defense Systems (WDS) is the largest insurance wildfire response service in the nation, encompassing a 20-state service area and specializing in wildfire education, risk mitigation and loss prevention, and wildfire response services. Customers will be automatically enrolled and have the option to opt out if they wish to do so.

Learn more about the wildfire response benefit

Still unsure about your homeowners insurance policy options?

Tell us your ZIP Code and we'll suggest coverage options that may be a good fit for where you live in Colorado.

Get a quote in minutes. Here's what you'll need:

• Basic information about your property
• Basic information about you, any co-owners, and occupants
• Ownership or mortgage status
• Details about your home's construction and any safety features
• If you have an existing homeowners insurance policy