Denver has 718,877 residents in 335,428 households. We list 24 agencies for accident & health insurance in Denver. Here is what the local numbers say about the cover people here need.

Denver at a glance

24accident & health insurance agencies listed
51.2%of households rentRenters insurance
$616,000median home valueHome insurance
1975median year homes were builtRebuild cost calculator
10.3%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Denver County

FEMA rates the overall natural hazard risk in Denver County, where most Denver agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

HailVery High
Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.
Home insurance in Denver
LightningVery High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Denver
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Denver
Strong windRelatively High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Denver
Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Colorado

Colorado requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $15,000 of property damage liability, often written 25/50/15.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Denver How much liability cover do you need?

Source: doi.colorado.gov. Checked 2026-10-24.

Insurance companies Denver agencies work with

Of the 24 Denver agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

UnitedHealthcare18 agencies
Medicare Advantage16 agencies
Blue Cross Blue Shield14 agencies
Aetna11 agencies
Centene10 agencies
Ameritas Life Insurance9 agencies
Cigna9 agencies
Humana9 agencies
Liberty Mutual8 agencies
Safeco8 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Denver agencies are

Denver agencies we list sit in 18 ZIP codes, mostly in Denver County.

802223 agencies
802062 agencies
802092 agencies
802282 agencies
802372 agencies
802021 agency
802031 agency
802051 agency
802101 agency
802151 agency
802181 agency
802201 agency
802261 agency
802291 agency
802341 agency
802391 agency
802441 agency
802461 agency

Questions

Accident & Health insurance in Denver

All insurance agencies in Denver · Accident & Health insurance across Colorado

Where can I find accident & health insurance in Denver?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does accident & health insurance cover?

Supplemental cover that pays out on accident, illness or hospital stay.

Which insurance companies do Denver agencies work with?

Among the 24 Denver agencies whose appointments we hold, the companies they are most often appointed with are UnitedHealthcare (18), Medicare Advantage (16), Blue Cross Blue Shield (14), Aetna (11), Centene (10). An appointed agency can quote that company's policies.

Do I need flood insurance in Denver?

FEMA's National Risk Index rates inland flooding risk in Denver County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

Nearby

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