Fort Collins Insurance Rates:

Fort Collins, CO home insurance is about $754 to $1,019, about $62-$84/month. Our thorough research reveals consumers can save as much as $354 by getting different quotes

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Fort Collins Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $230/3 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $200,000

3 Beds, 3 Baths 1940 sqft Primary Residence Constructed In 1985 with Ceramic Tile Flooring, Asphalt Shingles Roof, Piers Foundation, Wood siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Copper Water Pipes, Swimming Pool, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

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

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $220/4 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $315,000

3 Beds, 3 Baths 2310 sqft Vacation Property Constructed In 2011 with Carpet over wood flooring, Wood Shake Roof, Slab Foundation, Stone Siding, Wood Frame. Home Features Include Central Air Conditioning, Indoor Sprinklers, Deadbolt Locks, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

31 Years old Divorced Male who has a Part Time Job with household income of less than $25,000 and has 3 Pets and is a Smoker

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

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $920/8 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $310,000

4 Beds, 4 Bath 2750 sqft Vacation Property Constructed In 2014 with Carpet over wood flooring, Metal Roof, Chainwall Foundation, Wood siding, Stucco Construction. Home Features Include Fire Extinguisher, Swimming Pool, Copper Water Pipes, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

48 Years old Divorced Male who has a Full Time Job with household income of less than $25,000 and has 3 Pets and is a Smoker

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

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $290/3 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $280,000

3 Beds, 3 Baths 2370 sqft Vacation Property Constructed In 1995 with Carpet over wood flooring, Wood Shake Roof, Piers Foundation, Vinyl siding, Stucco Construction. Home Features Include Indoor Sprinklers, Fire Extinguisher, Smoke Alarm, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

47 Years old Divorced Male who is Unemployed and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1660/9 months for $350,000-$400,000 Coverage
Policy Holder Home Details :

Home Value : $345,000

3 Beds, 3 Baths 2220 sqft Primary Residence Constructed In 1999 with Stone Flooring, Tile Roof, Piers Foundation, Stone Siding, Wood Frame. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

58 Years old Single Male who is a Freelancer with household income of $50-$75,000 and has More than 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Fort Collins, CO Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
80528 $329,000 $930
80525 $263,200 $900
80524 $242,700 $900
80526 $239,900 $890
80521 $221,200 $890

Fort Collins Rates & Quotes Analysis:

Fort Collins Area Estimated House Insurance
West Dr, Lyons St, Frontage Rd, Bueno Dr, Rue Ranch Rd, Haralson Ct, W A St, Redburn Dr, Bordeaux Dr, W Co Rd 38E$864
Kenwood Dr, Clyde St, Durango Pl, Minor Rd, Table Mountain Pl, Larkbunting Dr, Hickory St, Surrey Ln, Swallow Bend, Saffron Ct$880
Burlington Ct, Charrington Ct, Fruited Plains Ln, Svc Rd 1, Eric St, Teakwood Dr, Arizona, Maplewood Rd, Wolf Creek Ct, Delozier Dr$818
del Clair Rd, Lancer Dr, Pole Pine Ln, Outrigger Way, Covington Ct, Mesa Verde St, Mc Hugh St, Bonita Ave, Big Dipper Dr, Alford St$887
S Howes St, Star Gazer Ct, E Plum St, Rose Ct, N Sunset St, Flag Dr, Rochdale Dr, Constitution Ave, Eagle Lake Dr, Hutchinson Dr$891
Sternwheeler Dr, Pine Dr, N College Ave, Alpaca Trl, Fall River Dr, Arctic Fox Dr, Mill Stone Way, Landings Dr, Shamrock St, Phantom Creek Ct$909
Hawkins St, Gifford Ct, Midway Dr, Dixon Canyon Rd, Deer Trail Ct, Buntwing Ln, Dusty Sage Dr, Lowe St, Alamo Ave, Linden Meier Ct$935
Northern Lights Dr, Duke Ln, Berwick Ct, Innovation Dr, Heber Dr, Prescott St, Farview Dr, Rangeview Dr, Indigo Ct, Montezuma Fuller Aly$886
Sycamore St, Leeward Ct, Summerpark Ln, Stanford Rd, Eastbrook Dr, Killarney Dr, Timberwood Dr, N Pearl St, E Co Rd 54, Maxwell Dr$921
Hackney Ln, S Howes St, W Venturi Ln, Endicott St, Dora St, Plateau Ct, Ninebark Ct, Alexander Ct, Golden Harvest Ln, Catalpa Pl$908

Insurance rates are influenced by a number of factors including:

  • Year Built: 12,171 Homes (18% of total homes ) built between 1980 to 1989 in Fort Collins are paying home insurance between $1,323-$1,337. Places close to Fort Collins, CO such as Timnath, Timnath-Wellington, Berthoud are more expensive by $42, $16, $22 respectively while Laporte and Wellington are cheaper by $16 and $21 respectively for similar homes.
  • Bedrooms: 19,400 2 bedrooms homes (29% of total homes ) in Fort Collins are paying about $364. Areas near to Fort Collins such as Timnath, Timnath-Wellington, Berthoud are costlier by $12, $5, $6 respectively whereas Laporte and Wellington are more economical by $4, $6 respectively for similar homes.
  • Auto Insurance Bundling: 9,834 Households (27% of all households) in Fort Collins have 3 or more vehicles available and when it is bundled with home insurance you can save $221 and differs from Laporte ($219), Timnath ($228), Wellington ($218).
  • Senior Discounts: 15,008 seniors (more than 55 years) occupied housing units (41% of total) in Fort Collins get discounts between $132 to $135. The comparative concessions in proximate regions such as Laporte, Timnath and Wellington are $131, $137 and $130 respectively.
  • New Homes discounts: New homes such as the 27,079 homes built between 2000 to 2009 in Fort Collins can save $177 and similar new home insurance discounts in nearby towns and cities like Laporte, Timnath and Wellington are $175, $183 and $174 respectively.

Fort Collins Homeowners insurance Facts

  • Fort Collins, CO has 36,086 owner occupied houses which is 57.2% of all units whereas Laporte, Timnath and Wellington have 69.8%, 88.66% and 80.63% respectively.
  • Fort Collins, CO homeowners yearly insurance price at $887 is 0.37% of the typical house value of $240,900 which is in contrast with 0.42% in Laporte, 0.28% at Timnath & 0.44% in Wellington.
  • Homeowners in Fort Collins, CO pay 17.74% of their income (Less than $10,000) in insurance whereas homeowners in Laporte, Wellington and Loveland pay 17.52%, 17.46% and 17.68% respectively.
  • Fort Collins, CO’s insurance is 4.7% of monthly housing costs of $1,573/month, for owners with a mortgage compared to 5.2% in Laporte, 3.34% at Timnath & 4.67% in Wellington. But, for households without a mortgage, insurance is 18.5% of costs ($400 in Fort Collins, CO) in contrast with 18.02% in Laporte, 19.16% at Timnath & 15.12% in Wellington.

Fort Collins, CO Home Values & Insurance rates

For example, insurance for 2,577 Homes (8.0% of total homes ) valued between $150,000 to $174,999 in Fort Collins, CO is about $594. Rates in nearby areas in such as Timnath, Timnath-Wellington, Berthoud are cheaper by $155, $74, $90 respectively while Laporte and Wellington are costlier by $89 and $121 respectively for similar homes.

Fort Collins, CO Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 2,098 6.0% $88
$100,000 to $124,999 732 2.0% $399
$125,000 to $149,999 1,357 4.0% $505
$150,000 to $174,999 2,577 8.0% $594
$175,000 to $199,999 3,664 11.0% $682
$200,000 to $249,999 8,407 27.0% $824
$250,000 to $299,999 5,621 18.0% $1011
$300,000 to $399,999 5,801 18.0% $1286

Renters Insurance in Fort Collins

  • Average Renters Insurance in Fort Collins :  $186($15/month)

  • Median Gross Rent in Fort Collins :  $939

  • Fort Collins Renters Insurance to Median Rent Ratio:  1.6%

  • Average household size of renter-occupied unit :  2.21

Fort Collins Renters Insurance as a Percentage of Rent

Fort Collins Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 360 1.0% $796
$300 to $499 823 3.0% $1246
$500 to $749 5,428 20.0% $1921
$750 to $999 8,140 31.0% $2671
$1,000 to $1,499 8,075 30.0% $3796
$1,500 or more 3,257 12.0% $5446

Rent Affordability in Fort Collins:

Approximately 52.0% (14,144) of households are spending more than 35% of their income on gross rent in Fort Collins

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,985 7.0%
15.0 to 19.9 percent 2,556 9.0%
20.0 to 24.9 percent 2,878 10.0%
25.0 to 29.9 percent 2,817 10.0%
30.0 to 34.9 percent 2,597 9.0%
35.0 percent or more 14,144 52.0%

Protective device discount in Fort Collins Up to :  $27

Claims-free discount in Fort Collins Up to :  $37