Denver Insurance Rates:

Denver, CO home insurance is nearly $754 to $1,022, about $62-$85/month. Our exhaustive research indicates shoppers can save as much as $355 by getting multiple quotes

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Denver Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Farmers Insurance
Home Insurance Rate of $900/7 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $280,000

5 Beds, 5 Baths 1900 sqft Seasonal Residence Constructed In 1965 with Carpet over wood flooring, Membrane Roof, Crawl Space Foundation, Stucco siding, Wood Frame. Home Features Include Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

32 Years old Divorced Male who is a Freelancer with household income of $100-$150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1450/12 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $330,000

4 Beds, 4 Baths 3000 sqft Rental Property Constructed In 1948 with Linoleum, Wood Shake Roof, Crawl Space Foundation, Brick siding, Wood Frame. Home Features Include Indoor Sprinklers, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

73 Years old Married Male who is a Freelancer with household income of $50-$75,000 and has 2 Pets and is a Non-Smoker

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

  • 550-599 Credit Score

Home Insurance Rate of $870/9 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $310,000

4 Beds, 4 Baths 2850 sqft Vacation Property Constructed In 1942 with Stone Flooring, Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

70 Years old Married Male who is Retired with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

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

  • 550-599 Credit Score

Home Insurance Rate of $1310/10 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $495,000

5 Beds, 5 Baths 4580 sqft Rental Property Constructed In 2010 with Stone Flooring, Metal Roof, Chainwall Foundation, Brick siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Central Air Conditioning, Indoor Sprinklers, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

50 Years old Married 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 :
  • 0-25% through paying our mortgage

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $1510/7 months for $350,000-$400,000 Coverage
Policy Holder Home Details :

Home Value : $340,000

3 Beds, 3 Baths 2323 sqft Primary Residence Constructed In 1954 with Hardwood Flooring, Metal Roof, Crawl Space Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

46 Years old Single Male who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Non-Smoker

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

  • 600-649 Credit Score

Home Insurance Rate of $205/3 months for $160,000 Coverage
Spacious home of 2300 sq ft, 4 br, 3 full bathrooms with gas log fireplace, 2 living spaces, modern kitchen appliances, covered front porch and a large custom deck. House is also only a few blocks from the park, and near bus lines.
We are a middle aged couple whose parents stay with us with good credit & half way through paying our mortgage. We have no pets/dogs.
Home Insurance Rate of $80/1 month for $250,000 Coverage
We live in a single family home of 1500 square feet with 2 bedrooms & 2 bathrooms worth about $300,000. Replacement cost estimates are about $250k.
We are a newly married couple with no kids, dogs, guests or anything that should increase our home insurance or accidents. Our credit rating is pretty solid as well.

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Denver Rates & Quotes Analysis:

Denver Area Estimated House Insurance
W 18th Ave, S Florence St, Randolph Pl, Andrews Dr, State Hwy 265, Cornish Way, S Kirkwood Ct, E Jefferson Ave, W Alice Pl, 14th St$852
W Tanforan Dr, Elkhart St, S Forest Way, E 5th Avenue Pkwy, Quentin St, Benton St, S Tulare Cir, E 47th Pl, 12th St, S Flamingo Ct$899
Umpteen St, S Michigan Way, W Tufts Ave, S Vine St, Idalia St, S Hawthorne St, S Santa Fe Dr, S Wabash Cir, Elitch Cir, S Jason St$884
Belcaro Dr, N Espana Ct, Crystal Way, Boulder St, Helena St, E 51st Pl, Floyd Ave, E 29th Dr, W Conejos Pl, E 80th Ave$871
Eaton St, Mitchell Cir, Richard Allen Ct, Ursula Way, E Dickenson Pl, N Ireland St, 38th St, Nepal St, E Elgin Dr, S Quantum St$865
E 67th Ave, N Akron Way, W Hurst Pl, E Cornell Dr, Julian Way, N Lisbon St, E Greenwood Pl, W Dorado Dr, Linley Ct, E 6th Pl$854
S Kendall Way, Eagle St, Panorama Ln, E 38th Pl, S Magnolia Way, N Espana St, Netherland St, S Vrain Way, W 8th Byp, Valentia St$863
E 69th Ave, Beach Ct, S Xeric Way, N Downing St, E Bates Ave, W Irvington Pl, W 37th Pl, Wynkoop St, S Elati St, Fontana Way$892
N Roslyn St, N Akron St, E Maple Ct, S Quieto Ct, E Gateway Ave, N Joplin St, I- 70 Frontage Rd, E Oxford Ave, Altura St, E 50th Pl$946
Billings St, S Gray Ct, E 52nd Avenue Dr, W Kent Pl, S Santa Fe Dr, W Barberry Pl, S Trenton St, S Pecos Way, W Elk Pl, Queensberg St$851

Insurance rates are influenced by a number of factors including:

  • Year Built: 60,775 Homes (21% of total) built between 1939 or earlier in Denver are paying home insurance between $1,900-$1,913 and differs from Cherry Hills Village (+$510), Greenwood Village (+$334), Cherry Creek (+$114), Derby (-$93) and North Washington (-$68).
  • Bedrooms: 95,036 2 bedrooms homes (34% of total homes ) in Denver are paying about $365. Areas near to Denver such as Holly Hills, Cherry Hills Village, Greenwood Village are costlier by $9, $97, $64 respectively whereas Glendale and Derby are more economical by $12, $18 respectively for similar homes.
  • Auto Insurance Bundling: 59,396 Households (44% of all households) in Denver have 2 vehicles available and when it is bundled with home insurance you can save $177. Discounts for similar bundling in close by locations such as Denver County, Glendale, Derby come to $177, $172, $169 respectively.
  • Senior Discounts: 55,441 seniors (more than 55 years) occupied housing units (41% of total) in Denver get discounts between $133 to $135 in contrast with Denver County ($133), Glendale ($129), Derby ($126).
  • New Homes discounts: New homes such as the 102,721 homes built between 2000 to 2009 in Denver can save $177 in contrast with Denver County ($177), Glendale ($172), Derby ($169).

Denver Homeowners insurance Facts

  • Denver, CO has 132,001 owner occupied houses which is 50.4% of all units whereas Denver, Glendale and Derby have 50.41%, 8.02% and 71.91% respectively.
  • Denver, CO homeowners yearly insurance price at $888 is 0.36% of the typical house value of $246,300 which is in contrast with 0.36% in Denver, 0.55% at Glendale & 0.75% in Derby.
  • Homeowners in Denver, CO pay 7.1% of their income ($10,000 to $14,999) in insurance whereas homeowners in Denver, Glendale and Derby pay 7.1%, 6.88% and 6.77% respectively.
  • Denver, CO’s insurance is 4.6% of monthly housing costs of $1,616/month, for owners with a mortgage compared to 4.58% in Denver, 5.83% at Glendale & 5.88% in Derby. But, for households without a mortgage, insurance is 18.6% of costs ($398 in Denver, CO) in contrast with 18.59% in Denver, 13.78% at Glendale & 19.69% in Derby.

Denver, CO Home Values & Insurance rates

For example, insurance for 14,940 Homes (14.0% of total homes ) valued between $250,000 to $299,999 in Denver, CO is about $985. Rates in nearby areas in such as Holly Hills, Cherry Hills Village, Greenwood Village are cheaper by $194, $681, $599 respectively while Welby and Sherrelwood are costlier by $649 and $511 respectively for similar homes.

Denver, CO Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 2,638 2.0% $88
$70,000 to $79,999 1,405 1.0% $266
$80,000 to $89,999 1,879 1.0% $301
$90,000 to $99,999 2,223 2.0% $337
$100,000 to $124,999 8,035 7.0% $390
$125,000 to $149,999 9,220 8.0% $488
$150,000 to $174,999 11,560 11.0% $577
$175,000 to $199,999 10,470 10.0% $674
$200,000 to $249,999 18,228 17.0% $808
$250,000 to $299,999 14,940 14.0% $985
$300,000 to $399,999 21,104 20.0% $1260

Renters Insurance in Denver

  • Average Renters Insurance in Denver :  $183($15/month)

  • Median Gross Rent in Denver :  $863

  • Denver Renters Insurance to Median Rent Ratio:  1.74%

  • Average household size of renter-occupied unit :  2.14

Denver Renters Insurance as a Percentage of Rent

Denver Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 3,537 2.0% $345
$200 to $299 5,165 4.0% $795
$300 to $499 6,346 4.0% $1245
$500 to $749 32,354 25.0% $1920
$750 to $999 33,038 25.0% $2670
$1,000 to $1,499 32,240 25.0% $3795
$1,500 or more 14,450 11.0% $5445

Rent Affordability in Denver:

Approximately 43.0% (56,967) of households are spending more than 35% of their income on gross rent in Denver

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 13,969 10.0%
15.0 to 19.9 percent 15,282 11.0%
20.0 to 24.9 percent 16,812 12.0%
25.0 to 29.9 percent 15,586 12.0%
30.0 to 34.9 percent 11,219 8.0%
35.0 percent or more 56,967 43.0%

Denver Renters Insurance Discounts:

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

Number of Vehicles in Denver, CO Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 65,560 50.0% $18.3
2 vehicles available 29,248 22.0% $27.45
3 or more vehicles available 7,652 5.0% $36.6

Denver Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 7,119 5.0% $86
60 to 64 years 5,892 4.0% $69
65 to 74 years 6,892 5.0% $56
75 years and over 7,017 5.0% $43

Protective device discount in Denver Up to :  $27

Claims-free discount in Denver Up to :  $36

Denver, CO Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
80260 $92,700 $840
80209 $466,000 $980
80230 $465,100 $990
80206 $435,900 $960
80202 $386,500 $950
80210 $385,700 $950
80220 $373,200 $950
80218 $319,800 $920
80237 $288,900 $910
80211 $283,600 $920
80246 $266,200 $900
80207 $265,700 $900
80235 $259,300 $890
80224 $256,600 $900
80203 $240,000 $900
80205 $237,400 $900
80227 $233,200 $890
80231 $232,800 $890
80236 $217,200 $890
80249 $188,900 $880
80204 $181,800 $870
80223 $166,500 $870
80219 $153,800 $870
80239 $152,300 $870
80216 $128,900 $850