Homeowners insurance in Colorado
Get personalized coverage for your home and your belongings with Root Home.
See if Root Home is available where you live.
Protect your Colorado home and car with Root
Save on your homeowners quote when you bundle with your auto insurance policy.
The right car insurance coverage for you
Take the Root test drive and see how much you could save on car insurance. Good drivers can save up to $900 a year. Then purchase and manage your policy right in the Root app.
Personalized protection with homeowners insurance
Add homeowners insurance simply and conveniently in the Root app. Customize your coverages to best suit your needs and save by bundling with your car insurance.
Homeowners insurance discounts for Colorado
You could save even more money on your homeowners insurance in Colorado if you qualify for these discounts:
- Bundle (car + home)
- New home purchase
- Monitored fire alarm
- Monitored burglar alarm
- Indoor sprinklers
Coverage for the structure of your home.
Dwelling coverage: Repairs or replaces the physical structure of your house
Additional Dwelling coverage: An additional 25-50% of coverage for the structure of your home
Water Backup/Sump Pump Overflow Protection: Covers water damage from things like a sump pump malfunction or sewer backup
Earthquake Protection: Repairs damage to your property caused by an earthquake
Wind/Hail Loss: Covers damage caused by wind or hail
Other Structures: Pays for damages to other structures on your property (like a shed)
Loss of Use: Helps cover hotel accommodations if your home is too damaged to live in
You and your guest
Coverages that protect you, your family, and guests in your home.
Personal Liability: Helps with legal costs if someone is injured or their possessions are damaged on your property
Medical Payments: Helps pay for medical care if someone is injured on your property
Defamation Liability: Helps pay for legal representation if you are sued for defaming someone's character
Identity Theft Expense Protection: Helps cover costs related to resolving a stolen identity
Protect your things at home and away.
Personal Property: Your personal possessions are protected if damaged in a covered loss
What is my Colorado homeowners quote based on?
Once you receive your quote in the Root app, you’ll be able to see exactly what the quote is based on for your particular home. Here are a few things that can impact your rate:
What is not covered by my homeowners insurance policy?
While your Root Home homeowners insurance policy does cover the structure of your home, your belongings, and medical payments if someone gets hurt on your property, there are some notable things it does not cover.
Condo and homeowners insurance are different types of insurance. Homeowners insurance covers the home and things on the property (garage, fence, etc.), while condo insurance is limited to what’s within the walls of a condo. Root Home only provides homeowners insurance at this time.
Damage from flooding caused by weather is not covered under most homeowners insurance policies. Flood insurance is separate from homeowners insurance, and Root Home does not offer it at this time.
Your homeowners insurance policy covers the physical structures of your home as well as your belongings, but it does not cover the land on which your home is located. Property only refers to your personal property (your belongings).
Frequently asked questions about homeowners insurance
Why do I need homeowners insurance?
Home insurance offers protections for you, your home, and the things you own from loss or damage when the unexpected happens. Your homeowners policy helps you pay for repairs and replacements up to the limits on your policy. Without it, you could be paying for everything out of pocket.
You may have also heard about hazard insurance. While that typically covers damage to the structure of your home caused by natural disasters, homeowners insurance covers that and much more, including if your personal property is damaged or stolen, and any medical payments if someone is injured in your home.
Why should I complete a home inventory?
Completing a home inventory makes it much easier to document any losses and file a claim. Understanding the value of belongings also gives you a better sense of how much Personal Property coverage you need.
How much home insurance do I need?
Everyone is different, and the amount of insurance you need is based on your personal situation.
You’ll want to consider how much it would cost to rebuild your home and replace all of your belongings, in the event the unexpected happens. Things like special materials or unique features of your home should be considered in that cost, and all personal belongings, too—from electronics and jewelry to bedsheets and kitchen appliances. You should also consider how much Loss of Use coverage you would want to help pay for temporary living expenses, should you not be able to stay in your home.
You are responsible for any costs above and beyond the limits you choose for your policy, so you will want to take into account your ability to pay for those costs out of pocket as well.