Keep your home covered in every season
Most of the year, your home in Colorado is exposed to the elements. Learn how an Allstate homeowners policy can help protect it from the inside out.
Types of insurance coverages in Colorado
Here’s what’s typically covered by a homeowners policy in Colorado.
Dwelling coverage
Protects the structure of your house, such as the roof and walls
Personal property coverage
Protects what's inside your home, like furniture, even if it's damaged or stolen outside the house
Other structures
Protects the physical structure of buildings on your property separate from your home, such as a detached garage
Liability protection
Defends and protects you if a person sues you after being injured on your property or after you damage their property
Guest medical protection
Pays medical expenses for someone who's injured on your property
Additional living expenses protection
Covers increased expenses if your home is uninhabitable after a covered loss
How to get home insurance in Colorado
Choose your coverage
No two homes are alike. You and your agent will work together to design an insurance policy that fits your place.
Apply for a policy
We help make the process quick and easy, so you can start protecting your home as soon as possible.
Stay protected
As your life changes, so do your home insurance needs. An agent will work with you to help make sure what you love is covered.
Home insurance discounts in Colorado
Protecting your home doesn't have to be expensive. And with a variety of discounts, features and opportunities to save, Allstate makes it even easier to get a good deal in Colorado. Here are a few discounts and features:
- Multi-policy discounts
Save when you bundle home and auto policies with Allstate. - Responsible payer discount
Savings for using certain payment methods (in-full, escrow) and for having good payment history like paying on time. - Claim-free discount
Save when you switch to Allstate without a recent home insurance claim. - Claim Forgiveness
Helps keep your rate from increasing just because you file a home insurance claim
See other ways to save on home insurance in Colorado.
Wildfire Risk
In Colorado, we consider wildfire risk as part of how we evaluate and price home insurance. Property specific mitigation actions and community-level mitigation activities influence wildfire risk scores and impact premiums. While discounts aren’t currently offered for property or community level mitigation actions, taking the following mitigation steps may protect your home, improve your score, and could help lower your premium by up to 2%.
Property Specific Mitigation Action means a science-based mitigation action as demonstrated by the “Wildfire Prepared Home” designation from the Insurance Institute for Business and Home Safety or by a similar mitigation program that includes a verification and certification process. These mitigation actions may include measures such as:
- Overhanging Vegetation Density: Vegetation directly above or touching your home; this can increase the chance that embers or flames reach your structure.
- Surrounding Vegetation Density: Vegetation within 30 feet of your home; dense vegetation can fuel a fire and increase the likelihood of damage.
- Neighboring Vegetation Density: Vegetation between 30 and 100 feet from your home, including nearby properties; heavy vegetation can allow fire to spread closer to your structure.
- Roof Material: The type of roof on your home; fire-resistant materials can help reduce the chance of ignition.
- Surrounding Building Density: Nearby buildings and structures; closely spaced structures can increase risk if fire spreads from one building to another.
Community level mitigation means a science-based mitigation action as demonstrated by a community or neighborhood level designation or certification or as undertaken by a government entity. These mitigation actions may include measures such as:
- Fuel Type: The type of vegetation in your area; some vegetation ignites and spreads fire more easily than others.
- Distance to Nearest Fire Station: How close your property is to a fire station; properties farther away may experience longer emergency response times.
- Wildfire Suppression Difficulty: How easy or difficult it is for firefighters to respond, based on terrain, access, and infrastructure; hard-to‑reach areas may face higher risk
- Distance to High Suppression Difficulty Areas: Proximity to areas where firefighting is more challenging; being closer to these areas can increase overall exposure.
Wildfire Risk Score Appeals
If you believe your wildfire risk score is inaccurate, you have the right to request a review.
How to request a review
- Submit a request through your MyAccount, or
- Contact your Allstate representative
You may be asked to provide additional information about your property.
What to expect
- We will confirm receipt of your request within 10 days
- We will review your request and respond within 30 days
- We will notify you of our decision in writing