Boulder Insurance Rates:

Boulder, CO home insurance is about $816 to $1,107, about $68-$92/month. Our complete analysis shows customers can save upto $384 by comparing many quotes

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Boulder Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $530/3 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $395,000

3 Beds, 3 Bath 2010 sqft Seasonal Residence Constructed In 1972 with Carpet Flooring, Wood Shake Roof, Slab Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Copper Water Pipes, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

71 Years old Married Male who is Retired with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $860/6 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $380,000

2 Beds, 2 Bath 1450 sqft Rental Property Constructed In 2001 with Carpet Flooring, Metal Roof, Chainwall Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Swimming Pool, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

69 Years old Single Male who has a Full Time Job with household income of $50-$75,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $240/1 month for $800000-$900000 Coverage
Policy Holder Home Details :

Home Value : $865,000

5 Beds, 5 Baths 3510 sqft Seasonal Residence Constructed In 1997 with Wood Flooring, Shingles Roof, Chainwall Foundation, Stucco siding, Metal Frame Construction. Home Features Include Smoke Alarm, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

44 Years old Single Female who is a Freelancer with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1410/8 months for $400,000-$500,000 Coverage
Policy Holder Home Details :

Home Value : $510,000

3 Beds, 3 Baths 2183 sqft Primary Residence Constructed In 1986 with Ceramic Tile Flooring, Asphalt Shingles Roof, Piers Foundation, Vinyl siding, Wood Frame. Home Features Include Central Air Conditioning, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

41 Years old Divorced Female who has a Full Time Job with household income of $100-$150,000 and has 3 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 500-549 Credit Score

  • Guests at home

Boulder, CO Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
80302 $602,400 $1,030
80304 $588,800 $1,000
80303 $502,300 $990
80301 $383,100 $950

Boulder Rates & Quotes Analysis:

Boulder Area Estimated House Insurance
Westview Dr, Tantra Dr, 8th St, Case Cir, Kewanee Dr, Valmont Rd, Bear Mountain Ct, Cedarwood Cir, Cherryvale Rd, Sun Dial Pl$934
Dellwood Ave, Dellwood Ave, Toedtli Dr, Baldwin Cir, Co Rd 67, Fox Ln, Silver Sage Ct, Bixby Ln, Bugle Ct, Sky Lark Way$958
Primrose Rd, W Coal Creek Dr, 48th Ct, Ithaca Dr, Kincaid Pl, Greenbriar Blvd, Grant Pl, E Weldona Way, Regent Dr, Cayman Pl$904
Balsam Ave, Rollins Dr, Macky Way, Alpine Ave, Merritt Dr, Blackhawk Rd, Maple Ct, Idylwild Trl, Bates St, Co Hwy 43$902
Crestmoor Dr, Vassar Dr, Innovation Dr, Lipan Way, Links Dr, S 40th St, Rosewood St, Ithaca Dr, Rockview Dr, Winchester Cir$1,013
Tamarack Ave, Chisholm Trl, Sherwood Cir, S Bldr Fthls Ditch, Bradley Dr, Crystal Ct, Centennial Trl, Kiowa Pl, Habitat Dr, Zamia Ave$993
Aikins Cir, Riverside Ave, Burr Pl, Oakdale Pl, Athens St, Cypress Dr, 8th St, Mount View Rd, W Dyer Rd, Berwick Ct$1,039
Mustique Ct, Minshal Rd, Darley Ave, S Vale Rd, Emerald Rd, Park Cir, Kenosha Rd, Dover Dr, Harrison Ct, Hogan Ct$1,002
Kent St, Ouray St, White Rock Cir, S Cherryvale Rd, St Lucia St, Mead Dr, Clematis Dr, Chatham Way, Dessert Pine Ct, S 42nd St$993
Morrison Ct, Chestnut Ln, Old Brompton Rd, Juneau Rd, Sandpiper Cir, Park Lake Dr, Tanglewood Ct, Coventry Ct, Hanover Ave, Fairview Dr$958

Insurance rates are influenced by a number of factors including:

  • Year Built: 9,639 Homes (18% of total homes ) built between 1960 to 1969 in Boulder are paying home insurance between $1,682-$1,697. Places close to Boulder, CO such as Paragon Estates, Pine Brook Hill, Eldorado Springs are more expensive by $290, $93, $39 respectively while Gunbarrel and Louisville are cheaper by $56 and $57 respectively for similar homes.
  • Bedrooms: 9,494 4 bedrooms homes (18% of total homes ) in Boulder are paying about $817. Areas near to Boulder such as Valmont, Pine Brook Hill, Eldorado Springs are costlier by $141, $45, $19 respectively whereas Gunbarrel and Louisville are more economical by $27, $28 respectively for similar homes.
  • Auto Insurance Bundling: 6,094 Households (22% of all households) in Boulder have 3 or more vehicles available and when it is bundled with home insurance you can save $240 and varies from Valmont ($281), Paragon Estates ($281), Pine Brook Hill ($253).
  • Senior Discounts: 12,181 seniors (more than 55 years) occupied housing units (45% of total) in Boulder get discounts between $143 to $146 in contrast with Valmont ($168), Pine Brook Hill ($152), Eldorado Springs ($147).
  • New Homes discounts: New homes such as the 14,613 homes built between 2000 to 2009 in Boulder can save $192 and similar new home insurance discounts in nearby towns and cities like Valmont, Paragon Estates and Pine Brook Hill are $225, $225 and $202 respectively.

Boulder Homeowners insurance Facts

  • Boulder, CO has 26,572 owner occupied houses which is 53.8% of all units whereas Valmont, Paragon Estates and Pine Brook Hill have 100.0%, 97.57% and 79.39% respectively.
  • Boulder, CO homeowners yearly insurance price at $961 is 0.2% of the typical house value of $478,000 which is in contrast with 0.11% in Valmont, 0.11% at Paragon Estates & 0.16% in Pine Brook Hill.
  • Homeowners in Boulder, CO pay 7.69% of their income ($10,000 to $14,999) in insurance whereas homeowners in Eldorado Springs, Gunbarrel and Louisville pay 7.86%, 7.43% and 7.42% respectively.
  • Boulder, CO’s insurance is 3.8% of monthly housing costs of $2,108/month, for owners with a mortgage compared to 2.35% in Paragon Estates, 2.95% at Pine Brook Hill & 5.62% in Eldorado Springs. But, for households without a mortgage, insurance is 14.7% of costs ($546 in Boulder, CO) in contrast with 15.64% in Paragon Estates, 13.16% at Pine Brook Hill & 16.96% in Eldorado Springs.

Boulder, CO Home Values & Insurance rates

For example, insurance for 1,373 Homes (13.0% of total homes ) valued between Less than $50,000 in Boulder, CO is about $48. Rates in nearby areas in such as Eldorado Springs, Bald Mountain, Genesee are cheaper by $9, $1, $8 respectively while Gunbarrel and Louisville are costlier by $7 and $7 respectively for similar homes.

Boulder, CO Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,373 13.0% $48
$50,000 to $59,999 115 1.0% $96
$100,000 to $124,999 376 3.0% $221
$125,000 to $149,999 279 2.0% $269
$150,000 to $174,999 841 8.0% $317
$175,000 to $199,999 356 3.0% $374
$200,000 to $249,999 1,284 12.0% $451
$250,000 to $299,999 1,407 13.0% $547
$300,000 to $399,999 3,862 38.0% $701

Renters Insurance in Boulder

  • Average Renters Insurance in Boulder :  $52($4/month)

  • Median Gross Rent in Boulder :  $1,135

  • Boulder Renters Insurance to Median Rent Ratio:  0.35%

  • Average household size of renter-occupied unit :  2.1

Boulder Renters Insurance as a Percentage of Rent

Boulder Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 296 1.0% $763
$300 to $499 386 1.0% $1213
$500 to $749 1,850 8.0% $1888
$750 to $999 5,971 26.0% $2638
$1,000 to $1,499 7,353 33.0% $3763
$1,500 or more 6,155 27.0% $5413

Rent Affordability in Boulder:

Approximately 57.0% (13,198) of households are spending more than 35% of their income on gross rent in Boulder

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,408 6.0%
15.0 to 19.9 percent 2,373 10.0%
20.0 to 24.9 percent 2,177 9.0%
25.0 to 29.9 percent 1,916 8.0%
30.0 to 34.9 percent 1,758 7.0%
35.0 percent or more 13,198 57.0%

Boulder Renters Insurance Discounts:

Boulder Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Boulder, CO Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 10,195 44.0% $5.2
2 vehicles available 7,007 30.0% $7.8
3 or more vehicles available 2,759 12.0% $10.4

Protective device discount in Boulder Up to :  $7

Claims-free discount in Boulder Up to :  $10

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