Home Home insurance Average home insurance cost New York Denver, NY How much is Homeowners Insurance in Denver, NY By Insure.com's Editor | Updated on March 6, 2023 Why you should trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. The average cost of homeowners insurance in Denver is $1,557 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), based on Insure.com’s rate data analysis. It’s $860 less than the national average of $2,282. However, homeowners insurance rates can vary drastically from one home to another. Home insurance rates in Denver depend on a number of factors, including: Size of your home Age of your home Amount of coverage you need Location Your credit score To make sure you are getting the best deal on home insurance, it is important to get quotes from multiple insurers to find the right coverage for your needs. Read this guide to know how much homeowners insurance cost per month in Denver, home insurance cost for different dwelling coverage, also know which companies offer cheap home insurance in Denver. In this guide, we will explain everything from what coverage options are available to which companies have the cheapest rates for homeowners insurance in Denver. How much is homeowners insurance in Denver per month Denver homeowners pay an average of $130 a month, based on our rate analysis. It’s $14 less than the state average of $144 and $71 less than the national average for home insurance across the United States. The price of your homeowners insurance policy in Denver may vary depending on where you live, the value of your home, and the coverage you choose. How much is homeowners insurance for a $200,000 house in Denver The average cost of homeowners insurance in Denver, NY is $1,156 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The amount you pay for home insurance each year depends on many different things. The types of natural disasters or events that take place in your area affect how much you pay for coverage in your city. Some areas are more at risk for natural disasters, like flood, hurricanes, or tornadoes. This means that if something happens, the cost of rebuilding would be higher in those areas, thereby leading to higher insurance premiums. Your insurance policy might not cover damage caused by floods or hurricanes. So, if you live in a flood-prone area, consider buying flood insurance coverage. How much is homeowners insurance for a $300,000 house in Denver According to a rate analysis by Insure.com, homeowners in Denver pay an average of $1,557 per year for a $300,000 house. These rates are for the coverage limits of $100,000 for liability protection and $1000 deductible. If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $401 more a year for home insurance. It would be best to buy enough insurance to cover the full cost of rebuilding your home. However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area. How much is homeowners insurance in Denver by Company Among the carriers analyzed, American Family is the cheapest homeowners insurance company in Denver. Its average annual rate for Denver homeowners is $788. NYCM Insurance ranks second and Nationwide makes it to the third spot with an average annual home insurance rate of $1,306. Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across Denver and prepared a list of the top ten cheapest home insurance providers. You can find below the Denver home insurance companies and their average annual premium. Home Insurance CompanyAnnual rateFarmers$2,777Allstate$1,623Chubb Ltd$1,608Heritage Insurance Holdings$1,469AIG$1,369Travelers$1,314State Farm$1,312Nationwide$1,306NYCM Insurance$1,032American Family$788MethodologyInsure.com, with the help of Quadrant Information Services, gathered data for home insurance rates in Birmingham, Alabama, for $300,000 dwelling coverage and $100,000 liability coverage with a $1000 deductible for around 35,000 ZIP codes. The data presented are those with a good credit tier alignment. How much is home insurance in other citiesNew YorkBloomingtonPhiladelphiaHamiltonAtlantaMemphisPhoenixStaffordAppleton In case you missed it What is HO-6 insurance? Average home insurance cost in 2023 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Renters insurance quotes: Compare rates Hurricanes and home insurance: 14 key questions answered Replacement cost policies for your home: Getting what you pay for How much do claims increase home insurance rates? Mobile home insurance: What does it cover and how much does it cost? Homeowners insurance basics Home Insurance Advisor The Best Cheap Homeowners Insurance of 2021: Guide How much flood insurance do I need? How to bundle home and auto insurance policies to save money The largest home insurance companies by market share Home Insurance Discounts Guide to dog liability insurance: cost and coverage Do you have an emergency go-bag? Most Americans don’t 1/1 Related Articles Cost of living comparison by state By Chris Kissell Mobile home insurance: What does it cover and how much does it cost? By Chris Kissell Renters insurance quotes: Compare rates By Chris Kissell Average home insurance cost in 2023 By Barry Eitel Personal liability insurance: What it is and why you need it By Barry Eitel Home insurance claims – How to file and what you should know By Chris Kissell Table of contents How much is homeowners insurance in Denver per month How much is homeowners insurance for a $200,000 house in Denver How much is homeowners insurance for a $300,000 house in Denver How much is homeowners insurance in Denver by Company Methodology Get instant quotes now ! Please enter valid zip Get quote