Centennial Insurance Rates:

Centennial, CO home insurance is roughly $766 to $1,038, about $63-$86/month. Our extensive analysis reveals consumers can save as much as $360 by comparing many quotes

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Read Centennial, Colorado Homeowners Insurance reviews & compare quotes to find the most reliable & cheapest quotes.

Centennial Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
GEICO Insurance
Home Insurance Rate of $620/8 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $265,000

3 Beds, 3 Bath 1780 sqft Primary Residence Constructed In 1984 with Wood Flooring, Wood Shake Roof, Crawl Space Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Fireplace, Smoke Alarm, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

42 Years old Married Male who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $380/4 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $325,000

4 Beds, 4 Baths 2010 sqft Seasonal Residence Constructed In 2007 with Ceramic Tile Flooring, Wood Shake Roof, Piers Foundation, Wood siding, Wood Frame. Home Features Include Fireplace, Swimming Pool, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

53 Years old Single Male who has a Full Time Job with household income of $25-50,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $1030/12 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $280,000

3 Beds, 3 Baths 1850 sqft Primary Residence Constructed In 1972 with Carpet over wood flooring, Wood Shake Roof, Slab Foundation, Stone Siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Deadbolt Locks, Swimming Pool, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

31 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $1790/9 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $490,000

4 Beds, 4 Bath 3090 sqft Primary Residence Constructed In 1971 with Carpet over wood flooring, Asphalt Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Smoke Alarm, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

69 Years old Divorced Female who has a Part Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $560/9 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $375,000

3 Beds, 3 Baths 2300 sqft Primary Residence Constructed In 1993 with Stone Flooring, Shingles Roof, Piers Foundation, Vinyl siding, Wood Frame. Home Features Include Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

45 Years old Single Male who is a Freelancer with household income of $50-$75,000 and has No Pets and is a Non-Smoker

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

  • 700-749 Credit Score

Home Insurance Rate of $1380/3 months for $800,000-$900,000 Coverage
Policy Holder Home Details :

Home Value : $810,000

5 Beds, 5 Baths 3419 sqft Rental Property Constructed In 1979 with Wood Flooring, Asphalt Shingles Roof, Piers Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

27 Years old Married Male who is Unemployed and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Centennial, CO Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
80121 $285,500 $920

Centennial Rates & Quotes Analysis:

Centennial Area Estimated House Insurance
S Revere Pkwy, S Bridger Ct, S Nepal Way, S Wheeling Ct, E Jamison Dr, E Dorado Ct, S Iola St, S Vine Cir E, E Tanforan Pl, S Sherman Way$878
E Caley Cir, E Nichols Cir, E Irish Dr, E Portland Pl, S Helena Ct, S Racine Cir, S Pemberton Dr, S Buckley Way, E Caley Ln, S Adams Way$915
S Marion Way, S Pontiac Ct, E Easter Cir N, E Appleton Cir, E Tufts Pl, S University Way, E Mineral Dr, S Blackhawk Ct, S Williams Cir, S Elizabeth Way$858
S Oneida Way, S Ivy Way, S Bellaire Ct, E Mineral Cir, E Cresthill Ave, E Easter Way, S Poplar St, Crabtree Dr, Inverness Main St, S Harrison Ct$870
E Weaver Ln, S Quatar Way, Broncos Pkwy, E Prentice Ln, S Monaco St, S Clinton Ct, E Panorama Dr, S Adams Way, S Elizabeth Way, E Weaver Ln$944
S Orleans St, S Garfield St, E Heritage Pl N, E Weaver Cir, S Detroit St, S Madison Way, S Poplar Ln, E Nichols Dr, E Old Orchard Rd, S Gaylord St$907
S Olathe Cir, Willamette Ln, E Costilla Way, S Kirk Way, Green Oaks Ln, S Ivanhoe Ct, Chestnut Trl, Orchard Ln, E Costilla Blvd, S Locust Pl$1,054
S Birch Ct, S Dallas St, E Progress Way, Green Oaks Dr, Long Dr, S Dahlia Ct, E Fremont Cir N, S Ash Cir, S Jasmine Ct, S Niagara Way$None
S Shalom Park Cir, E Otero Ln, E Briarwood Cir S, S Riviera St, S Niagara Ct, S Chester Way, Bellaire Cir, S Harrison Ct, E Geddes Ln, S Hudson Ln$940
S Garfield Dr, E Hialeah Ave, Ash St, S Alexander Ct, S Pitken Way, S Netherland St, E Green Oaks Ln, E Phillips Dr N, S Cook St, S Wenatchee Way$None

Insurance rates are influenced by a number of factors including:

  • Year Built: 7,826 Homes (20% of total homes ) built between 1990 to 1999 in Centennial are paying home insurance between $1,301-$1,315. Places close to Centennial, CO such as Inverness, Cherry Creek, Greenwood Village are more expensive by $39, $56, $206 respectively while Dove Valley and Acres Green are cheaper by $49 and $26 respectively for similar homes.
  • Bedrooms: 12,629 3 bedrooms homes (32% of total homes ) in Centennial are paying about $470 and varies from Inverness (+$14), Cherry Creek (+$20), Greenwood Village (+$74), Dove Valley (-$18) and Acres Green (-$10).
  • Auto Insurance Bundling: 15,094 Households (48% of all households) in Centennial have 2 vehicles available and when it is bundled with home insurance you can save $180 in contrast with Inverness ($185), Cherry Creek ($188), Dove Valley ($173).
  • Senior Discounts: 14,073 seniors (more than 55 years) occupied housing units (44% of total) in Centennial get discounts between $135 to $137. The comparative concessions in proximate regions such as Inverness, Cherry Creek and Dove Valley are $139, $141 and $130 respectively.
  • New Homes discounts: New homes such as the 10,972 homes built between 2000 to 2009 in Centennial can save $180 and similar new home insurance discounts in nearby towns and cities like Inverness, Cherry Creek and Dove Valley are $185, $188 and $173 respectively.

Centennial Homeowners insurance Facts

  • Centennial, CO has 31,333 owner occupied houses which is 84% of all units whereas Inverness, Cherry Creek and Dove Valley have 17.99%, 71.86% and 47.85% respectively.
  • Centennial, CO homeowners yearly insurance price at $902 is 0.31% of the typical house value of $288,800 which is in contrast with 0.25% in Inverness, 0.23% at Cherry Creek & 0.48% in Dove Valley.
  • Homeowners in Centennial, CO pay 18.04% of their income (Less than $10,000) in insurance whereas homeowners in Inverness, Cherry Creek and Dove Valley pay 18.58%, 18.82% and 17.36% respectively.
  • Centennial, CO’s insurance is 4.0% of monthly housing costs of $1,903/month, for owners with a mortgage compared to 3.35% in Inverness, 3.49% at Cherry Creek & 4.46% in Dove Valley. But, for households without a mortgage, insurance is 14.9% of costs ($504 in Centennial, CO) in contrast with 10.66% in Inverness, 14.34% at Cherry Creek & 18.55% in Dove Valley.

Centennial, CO Home Values & Insurance rates

For example, insurance for 6,310 Homes (25.0% of total homes ) valued between $250,000 to $299,999 in Centennial, CO is about $856. Rates in nearby areas in such as Inverness, Cherry Creek, Greenwood Village are cheaper by $178, $235, $470 respectively while Dove Valley and Acres Green are costlier by $463 and $187 respectively for similar homes.

Centennial, CO Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 422 1.0% $72
$100,000 to $124,999 303 1.0% $342
$125,000 to $149,999 651 2.0% $423
$150,000 to $174,999 895 3.0% $505
$175,000 to $199,999 1,485 5.0% $577
$200,000 to $249,999 6,783 27.0% $703
$250,000 to $299,999 6,310 25.0% $856
$300,000 to $399,999 7,916 31.0% $1091

Renters Insurance in Centennial

  • Average Renters Insurance in Centennial :  $159($13/month)

  • Median Gross Rent in Centennial :  $1,316

  • Centennial Renters Insurance to Median Rent Ratio:  0.99%

  • Average household size of renter-occupied unit :  2.58

Centennial Renters Insurance as a Percentage of Rent

Centennial Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 279 5.0% $1914
$750 to $999 933 16.0% $2664
$1,000 to $1,499 2,310 41.0% $3789
$1,500 or more 1,956 35.0% $5439

Rent Affordability in Centennial:

Approximately 41.0% (2,465) of households are spending more than 35% of their income on gross rent in Centennial

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 595 9.0%
15.0 to 19.9 percent 886 14.0%
20.0 to 24.9 percent 784 13.0%
25.0 to 29.9 percent 735 12.0%
30.0 to 34.9 percent 504 8.0%
35.0 percent or more 2,465 41.0%

Protective device discount in Centennial Up to :  $23

Claims-free discount in Centennial Up to :  $31

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