A+ Smart Health Insurance Agency
1245 Pearl St, Ste 201, Boulder, CO 80302
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Boulder households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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1245 Pearl St, Ste 201, Boulder, CO 80302
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4941 10th Street, Boulder, CO 80304
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1942 Broadway, Suite 314C, Boulder, CO 80302
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2511 31st St, #B, Boulder, CO 80301
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5360 Arapahoe Ave, #D, Boulder, CO 80303
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5360 Arapahoe Ave, Ste D, Boulder, CO 80303
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1434 Spruce St, Suite 100, Boulder, CO 80302
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Learn about insurance coverage options specific to Boulder residents.
Boulder home insurance averages $3,215/year due to wildfire and flood risks. Learn about coverage gaps, mitigation discounts, and how to protect your home.
Car InsuranceBoulder auto insurance averages $160/month. Learn about Colorado's 25/50/15 requirements, Highway 36 risks, and how to get the best coverage for less.
General Insurance EducationComplete Boulder insurance guide covering auto rates ($160/month avg), rising home costs due to wildfire/hail risks, and life insurance needs for Colorado residents.
Boulder's premiums average around $3,215 annually—well above the national average—because of three major factors: significant wildfire risk in the foothills and wildland-urban interface, Boulder's status as Colorado's top flash flood risk community, and exceptionally high home values (median around $935,000) combined with expensive construction costs. These risks make insurers nervous about large potential losses.
Yes, if you want flood coverage. Standard homeowners policies don't cover flood damage at all. Given Boulder's flood history and updated FEMA maps from October 2024, flood insurance is essential for most Boulder homeowners. The good news is that Boulder residents get a 25% discount on NFIP policies through the city's Community Rating System participation.
Colorado established the FAIR Plan (Fair Access to Insurance Requirements) as a last-resort option for homeowners who can't get coverage in the private market. It's expected to start offering policies in early 2025, though coverage is capped at $750,000—below Boulder's median home price. You can also work on wildfire mitigation to improve your insurability and appeal to more carriers.
Absolutely. Starting in January 2026, Colorado law requires insurers to offer premium credits for verified wildfire mitigation work. Clearing vegetation, replacing flammable roofing materials, and maintaining defensible space can reduce your wildfire risk by up to 75%. Boulder Fire-Rescue offers free home assessments to help you identify the most effective improvements.
Calculate your home's replacement cost honestly—what would it cost to rebuild from scratch at today's Boulder labor and material rates? Research after the Marshall Fire found 74% of homeowners were underinsured. With home values rising 16.9% year-over-year in some periods, review your dwelling coverage limits annually and adjust upward as construction costs and home values increase.
Yes. Foothills areas and neighborhoods in the wildland-urban interface face the biggest challenges. Zip code 80302 and similar high-risk areas have seen carriers like Farmers Insurance refuse to renew policies. Homes near heavily vegetated areas or with poor fire line scores (based on flammable vegetation, water access, and distance from fire stations) are increasingly difficult to insure.
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