Barb
11001 W 120th Ave, STE 400, Broomfield, CO 80021
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11001 W 120th Ave, STE 400, Broomfield, CO 80021
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11101 W. 120th Ave, Suite 270, Broomfield, CO 80021
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11001 W 120th Ave, #400, Broomfield, CO 80021
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433 Summit Blvd, Unit 101, Broomfield, CO 80021
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390 Interlocken Crescent, Suite 350, Broomfield, CO 80021
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Learn about insurance coverage options specific to Broomfield residents.
Broomfield insurance guide covering auto, home, and hail protection. Local rates, coverage tips, and what Front Range residents need to know in 2026.
Home InsuranceBroomfield home insurance costs $4,000-$5,200/year due to hail risk. Learn about deductibles, impact-resistant roofing discounts, and new 2025 laws.
Car InsuranceBroomfield drivers pay $136/month average. Learn Colorado's 25/50/15 requirements, why UM coverage matters, and how US-36 traffic affects your rates.
Broomfield drivers pay an average of $136 per month for auto insurance, which is significantly below Colorado's state average of $267 per month for full coverage. USAA offers the lowest rates at around $107 per month for military members, while State Farm and Safeco average $110-119 per month. Your actual rate depends on your driving record, age, vehicle type, and coverage limits.
Most Broomfield residents don't need flood insurance since Broomfield County is considered low-risk for flooding and residents pay the lowest flood insurance rates in Colorado. However, if you live near Coal Creek, Anthem Highlands, or any low-lying area, it's worth discussing with your agent. Standard homeowners insurance doesn't cover flood damage, and a policy typically costs $500-800 per year in low-risk areas.
Colorado requires minimum liability coverage of 25/50/15: $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $15,000 for property damage per accident. These minimums often aren't enough to cover a serious accident, and insurance experts recommend at least 100/300/50 coverage to adequately protect your assets. Insurers must also offer uninsured motorist and medical payments coverage, though you can waive them in writing.
Broomfield sits in Colorado's hail belt, and the state ranks second nationally for hail insurance claims. The May 30, 2024 hailstorm caused $1.9 billion in damages across the metro area, with egg-sized hail reported in Broomfield. Most Colorado policies include a separate wind/hail deductible of 1-5% of your coverage amount, meaning you could pay $6,000-$30,000 out of pocket for roof damage on a typical Broomfield home before insurance kicks in.
If you own a home worth $600,000+ or have significant assets to protect—common in Broomfield where the median household income is $121,025—umbrella insurance is highly recommended. For $200-400 per year, you get $1-2 million in additional liability coverage that protects you when auto or home policy limits are exhausted. This is essential protection against lawsuits from serious car accidents, injuries on your property, or other liability claims that could wipe out your savings and home equity.
Bundle your home and auto insurance with the same carrier for a 15-25% discount, increase your deductible (but only if you can afford to pay more out of pocket), install a security system or smart home devices, maintain good credit, replace your roof if it's more than 15-20 years old, and stay claims-free for several years. Also compare quotes annually since Colorado rates have been volatile and carriers price risk differently after major hail events.
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