Denver has 718,877 residents in 335,428 households. We list 69 agencies for life insurance in Denver. Here is what the local numbers say about the cover people here need.

Denver at a glance

69life 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 69 Denver agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Nationwide31 agencies
Travelers28 agencies
Liberty Mutual23 agencies
Nationwide (Allied)23 agencies
Nationwide (Colonial)23 agencies
Travelers (Standard Fire)23 agencies
Safeco22 agencies
Liberty Mutual (Safeco)21 agencies
Progressive18 agencies
The Hartford18 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 23 ZIP codes, mostly in Denver County.

8023712 agencies
8020210 agencies
802105 agencies
802465 agencies
802034 agencies
802224 agencies
802284 agencies
802344 agencies
802093 agencies
802062 agencies
802182 agencies
802262 agencies
802272 agencies
802041 agency
802111 agency
802121 agency
802151 agency
802201 agency
802321 agency
802361 agency
802441 agency
802491 agency
802601 agency

Questions

Life insurance in Denver

All insurance agencies in Denver · Life insurance across Colorado

Where can I find life 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 life insurance cover?

Pays a lump sum to the people who depend on your income.

Which insurance companies do Denver agencies work with?

Among the 69 Denver agencies whose appointments we hold, the companies they are most often appointed with are Nationwide (31), Travelers (28), Liberty Mutual (23), Nationwide (Allied) (23), Nationwide (Colonial) (23). 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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