Personal Insurance in Denver
Whether you rent a studio downtown or own a home in Park Hill, the right personal insurance makes all the difference. At RPM Agency, we help Denver residents protect what matters most—with straightforward coverage for homes, vehicles, lives, and more.
Your Denver Life, Covered
Homeowners Insurance
Protects your home from fire, hail, theft, and liability—essential in a city known for fast-changing weather and high property values.
Renters Insurance
Covers your belongings and personal liability if you rent in Denver—whether you’re in a high-rise or house-hack a duplex in Capitol Hill.
Auto Insurance
Tailored for Denver driving, from snowy commutes to I-25 traffic—includes liability, collision, and comprehensive options.
Umbrella Insurance
Adds extra liability coverage beyond your standard policies—ideal for those with homes, savings, or high-value assets in the city.
Life Insurance
Offers long-term financial protection for your loved ones—designed to keep your family secure if the unexpected happens.
Why Personal Insurance Matters in Denver
High Home Values, High Risk
With property values on the rise, Denver homeowners need adequate coverage to avoid gaps and underinsurance.
Urban Living + Outdoor Risks
Denverites face a unique blend of city density and mountain adventure—our policies account for both.
Hail, Snow, and Wildfire
Colorado’s climate isn’t easy on homes and vehicles. We help you prepare for the risks that matter in Denver.
Denver Personal Insurance FAQs
What’s the average cost of homeowners insurance in Denver?
Rates vary based on location, home value, and coverage level, but the average policy ranges from $1,500–$2,500 annually. Higher wildfire and hail risks in Colorado can impact premiums. RPM helps find competitive options without sacrificing protection.
Do I really need renters insurance if I live in a secure building?
Yes. Your landlord’s policy only covers the structure—not your personal items or liability. Renters insurance is affordable and protects you from fire, theft, or liability issues inside your unit, regardless of how safe your building is.
How do I choose the right auto coverage for Denver driving?
Denver traffic, road construction, and winter weather all increase the risk of accidents. We recommend liability plus comprehensive and collision coverage to protect against hail, icy roads, and uninsured drivers—common risks in the area.
Should I consider umbrella insurance in Denver?
Absolutely. If you own a home, have savings, or host guests often, umbrella coverage provides an extra layer of liability protection. It’s especially helpful in a city with higher property values and increased legal exposure.
Can I bundle personal insurance policies in Denver?
Yes, and it’s a great way to save. Bundling homeowners, auto, and umbrella insurance with the same carrier often results in significant discounts. RPM will help you build a bundle that fits your lifestyle and budget.