Erie Insurance Rates:

Erie, CO home insurance is roughly $777 to $1,055, about $64-$87/month. Our exhaustive guide reveals consumers can save as much as $366 by getting different quotes

Compare Quotes from Top Providers and Save now!

Erie, Colorado Homeowners share details on the best home insurance providers. You too can compare from the same companies & get a great deal.

Erie Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Allstate
Home Insurance Rate of $610/3 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $585,000

4 Beds, 4 Baths 3150 sqft Vacation Property Constructed In 2011 with Carpet over wood flooring, Metal Roof, Piers Foundation, Stone Siding, Wood Frame. Home Features Include Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

48 Years old Married Male who is Unemployed and has No Pets and is a Non-Smoker

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

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $430/6 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $230,000

3 Beds, 3 Baths 1430 sqft Vacation Property Constructed In 2007 with Stone Flooring, Slate Shingles Roof, Slab Foundation, Brick siding, Stucco Construction. Home Features Include Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

27 Years old Married Male who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $640/8 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $330,000

4 Beds, 4 Baths 2130 sqft Primary Residence Constructed In 2001 with Carpet Flooring, Tile Roof, Slab Foundation, Wood siding, Stucco Construction. Home Features Include Swimming Pool, Central Air Conditioning, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

68 Years old Married Female who is Unemployed with household income of less than $25,000 and has No Pets and is a Smoker

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

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $860/5 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $380,000

5 Beds, 5 Baths 2480 sqft Seasonal Residence Constructed In 2001 with Linoleum, Shingles Roof, Piers Foundation, Stucco siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Copper Water Pipes, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

55 Years old Married Female who is a Freelancer with household income of more than $150,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $250/2 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $365,000

4 Beds, 4 Baths 1940 sqft Vacation Property Constructed In 2000 with Carpet over wood flooring, Slate Shingles Roof, Piers Foundation, Vinyl siding, Brick Frame. Home Features Include Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

63 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $740/4 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $650,000

5 Beds, 5 Baths 3310 sqft Vacation Property Constructed In 2013 with Carpet over wood flooring, Composition Roof, Piers Foundation, Brick siding, Stucco Construction. Home Features Include Fire Extinguisher, Fireplace, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

57 Years old Married Male who is a Freelancer with household income of $75-$100,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $990/10 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $325,000

3 Beds, 3 Bath 1650 sqft Primary Residence Constructed In 2003 with Hardwood Flooring, Asphalt Shingles Roof, Piers Foundation, Brick siding, Brick Frame. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

24 Years old Single Male who has a Full Time Job with household income of $50-$75,000 and has More than 3 Pets at home and is a Non-Smoker

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

  • 800-850 Credit Score

Home Insurance Rate of $810/4 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $405,000

3 Beds, 3 Baths 2150 sqft Rental Property Constructed In 2007 with Wood Flooring, Shingles Roof, Piers Foundation, Wood siding, Stucco Construction. Home Features Include Copper Water Pipes, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

69 Years old Divorced Male who is Retired and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $510/9 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $250,000

3 Beds, 3 Bath 1810 sqft Seasonal Residence Constructed In 2004 with Stone Flooring, Metal Roof, Chainwall Foundation, Brick siding, Stucco Construction. Home Features Include Indoor Sprinklers, Central Air Conditioning, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

51 Years old Married Female who has a Full Time Job with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1720/12 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $280,000

3 Beds, 3 Bath 1520 sqft Primary Residence Constructed In 2008 with Stone Flooring, Membrane Roof, Slab Foundation, Wood siding, Brick Frame. Home Features Include Central Air Conditioning, Copper Water Pipes, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

54 Years old Married Male who has a Full Time Job with household income of $75-$100,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

Erie, CO Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
80516 $339,600 $920

Erie Rates & Quotes Analysis:

Erie Area Estimated House Insurance
Prince Cir, Noel Ave, Kenosha Rd, James Way, Wasuteh Pt, Saint John St, Billings Ave, Baxter Farm Ln, Dobbins Run, Stein St$928
S Coffman St, Jasper Rd, Lark St, Snowbird Ln, Balmora Dr, Harris Ct, Titan Pl, S Egrew Ct, Topaz Ct, Marfell St$925
Random Way, Grenfell Ct, Nebraska Way, Stonehenge Dr, Phillips Ct, Diamond Cir, Gordon Ct, Niwot Trl, Avian Ct, Frailey Dr$922
Mathews Cir, Sanders Cir, Crestview Dr, Niwot Ridge Ln, Rendezvous Dr, W Brome Ave, State Hwy 52, S Kimbark St, N 107th Ave, Sedge Way$944
Glenwood Dr, Crossing Dr, Lookout Dr, Dawson Dr, Wasatch Pt, Tyler Pl, Summit Pl, Cooke Ct, Jackson Ln, Brooks Way$927

Insurance rates are influenced by a number of factors including:

  • Year Built: 232 Homes (3% of total homes ) built between 1980 to 1989 in Erie are paying home insurance between $1,366-$1,380. Places close to Erie, CO such as Gunbarrel, Louisville, Niwot are more expensive by $20, $19, $114 respectively while Lafayette and Dacono are cheaper by $35 and $80 respectively for similar homes.
  • Bedrooms: 1,092 2 bedrooms homes (17% of total homes ) in Erie are paying about $376 compared to Gunbarrel (+$5), Niwot (+$31), Paragon Estates (+$86), Lafayette (-$10) and Dacono (-$22).
  • Auto Insurance Bundling: 2,733 Households (53% of all households) in Erie have 2 vehicles available and when it is bundled with home insurance you can save $183. Discounts for similar bundling in close by locations such as Lafayette, Lafayette-Louisville, Dacono come to $178, $184, $172 respectively.
  • Senior Discounts: 1,319 seniors (more than 55 years) occupied housing units (25% of total) in Erie get discounts between $136 to $139. The comparative concessions in proximate regions such as Lafayette, Lafayette-Louisville and Dacono are $133, $138 and $129 respectively.
  • New Homes discounts: New homes such as the 5,584 homes built between 2000 to 2009 in Erie can save $183 in contrast with Lafayette ($178), Lafayette-Louisville ($184), Dacono ($172).

Erie Homeowners insurance Facts

  • Erie, CO has 5,139 owner occupied houses which is 84.5% of all units whereas Leyner, Lafayette and Lafayette-Louisville have 0%, 73.22% and 74.56% respectively.
  • Erie, CO homeowners yearly insurance price at $916 is 0.27% of the typical house value of $334,200 which is in contrast with 0.34% in Lafayette, 0.26% at Lafayette-Louisville & 0.52% in Dacono.
  • Homeowners in Erie, CO pay 2.44% of their income ($35,000 to $39,999) in insurance whereas homeowners in Lafayette, Lafayette-Louisville and Dacono pay 2.38%, 2.46% and 2.3% respectively.
  • Erie, CO’s insurance is 3.5% of monthly housing costs of $2,172/month, for owners with a mortgage compared to 4.3% in Lafayette, 3.92% at Lafayette-Louisville & 5.03% in Dacono. But, for households without a mortgage, insurance is 15.6% of costs ($489 in Erie, CO) in contrast with 15.85% in Lafayette, 15.86% at Lafayette-Louisville & 25.29% in Dacono.

Erie, CO Home Values & Insurance rates

For example, insurance for 403 Homes (10.0% of total homes ) valued between $200,000 to $249,999 in Erie, CO is about $613. Rates in nearby areas in such as Lafayette-Louisville, Gunbarrel, Louisville are cheaper by $24, $65, $57 respectively while Lafayette and Dacono are costlier by $163 and $567 respectively for similar homes.

Erie, CO Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 194 5.0% $64
$100,000 to $124,999 96 2.0% $293
$125,000 to $149,999 95 2.0% $375
$150,000 to $174,999 185 4.0% $439
$175,000 to $199,999 127 3.0% $512
$200,000 to $249,999 403 10.0% $613
$250,000 to $299,999 847 22.0% $751
$300,000 to $399,999 1,777 47.0% $952

Renters Insurance in Erie

  • Average Renters Insurance in Erie :  $133($11/month)

  • Median Gross Rent in Erie :  $1,610

  • Erie Renters Insurance to Median Rent Ratio:  0.68%

  • Average household size of renter-occupied unit :  2.65

Erie Renters Insurance as a Percentage of Rent

Erie Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 39 4.0% $1908
$750 to $999 87 9.0% $2658
$1,000 to $1,499 253 28.0% $3783
$1,500 or more 523 57.0% $5433

Rent Affordability in Erie:

Approximately 25.0% (242) of households are spending more than 35% of their income on gross rent in Erie

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 82 8.0%
15.0 to 19.9 percent 156 16.0%
20.0 to 24.9 percent 192 20.0%
25.0 to 29.9 percent 116 12.0%
30.0 to 34.9 percent 153 16.0%
35.0 percent or more 242 25.0%

Protective device discount in Erie Up to :  $19

Claims-free discount in Erie Up to :  $26