Lakewood Insurance Rates:

Lakewood, CO home insurance is approximately $753 to $1,019, about $62-$84/month. Our complete guide reveals consumers can save upto $354 by comparing many quotes

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Lakewood Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Allstate
Home Insurance Rate of $460/7 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $230,000

3 Beds, 3 Bath 2170 sqft Primary Residence Constructed In 1968 with Carpet Flooring, Membrane Roof, Crawl Space Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Fireplace, Deadbolt Locks, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

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

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $210/4 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $165,000

2 Beds, 2 Bath 1130 sqft Rental Property Constructed In 1972 with Hardwood Flooring, Tile Roof, Crawl Space Foundation, Vinyl siding, Stucco Construction. Home Features Include Central Air Conditioning, Indoor Sprinklers, Swimming Pool, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

51 Years old Divorced Male who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1180/8 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $505,000

5 Beds, 5 Baths 4460 sqft Primary Residence Constructed In 1976 with Linoleum, Wood Shake Roof, Piers Foundation, Stone Siding, Wood Frame. Home Features Include Copper Water Pipes, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

29 Years old Divorced 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 :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $520/9 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $135,000

2 Beds, 2 Bath 1090 sqft Rental Property Constructed In 1979 with Ceramic Tile Flooring, Membrane Roof, Chainwall Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Swimming Pool, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

47 Years old Married Female who is Unemployed with household income of less than $25,000 and has 1 Pet 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 $550/9 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $235,000

4 Beds, 4 Bath 1880 sqft Vacation Property Constructed In 1989 with Wood Flooring, Tile Roof, Crawl Space Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Fire Extinguisher, Swimming Pool, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

59 Years old Married Female who has a Full Time Job with household income of $50-$75,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $530/5 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $315,000

4 Beds, 4 Baths 2070 sqft Rental Property Constructed In 1988 with Hardwood Flooring, Slate Shingles Roof, Crawl Space Foundation, Stone Siding, Stucco Construction. Home Features Include Indoor Sprinklers, Fireplace, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

44 Years old Single Female who has a Full 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

  • 600-649 Credit Score

Home Insurance Rate of $390/2 months for $300,000-$350,000 Coverage
Policy Holder Home Details :

Home Value : $400,000

3 Beds, 3 Baths 2232 sqft Rental Property Constructed In 1970 with Linoleum, Metal Roof, Crawl Space Foundation, Stone Siding, Stucco Construction. Home Features Include Swimming Pool, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

31 Years old Single Male who has a Full Time Job with household income of more than $150,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Lakewood, CO Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
80215 $299,700 $920
80228 $269,700 $900
80226 $225,100 $890
80232 $216,500 $880

Lakewood Rates & Quotes Analysis:

Lakewood Area Estimated House Insurance
W Cedar Dr, S Otis St, W New Mexico Ave, Union Blvd, S Urban St, W Wesley Cir, S Simms Ct, W Baltic Ave, Morningside Dr, S Braun Ct$899
W 11th Dr, W Colorado Ln, W Grant Ranch Blvd, S Kline Cir, S Urban Dr, 26th Ave, Lupine Ct, W Archer Dr, Lee Ln, W Arlington Dr$957
W 23rd Cir, W Swarthmore Dr, W Louisiana Pl, S Ingalls Ct, S Swadley St, W Radcliffe Pl, W 20th Pl, W Utah Ave, W Auburn Ave, Pike St$882
Denver West Ct, Glen Bar Dr, Denver West Blvd, Willow Ln, W 32nd Pl, S Swadley St, W Tufts Ave, S Vancouver Ct, Newcombe Dr, Kilmer St$928
Darlee Ct, W Dartmouth Ave, W Arlington Way, W 28th Pl, Applewood Dr, S Vivian Way, W Yale Pl, S Braun Ct, W Exposition Pl, W Security Ave$880
S Loveland Ct, Denver West-Marriott Blvd, W 12th Ln, Bayaud Ct, E St, S Zinnia Way, Joyce Way, W 30th Dr, S Braun Ct, W Prentice Ave$939
W Grand Ave, W Hialeah Pl, W New Mexico Pl, W Brandt Dr, Red Rocks Business Dr, W Texas Ave, Turkey Creek Rd, Ellis Way, W Wesley Dr, W Maple Pl$922
Rooney Rd, W 7th Pl, W Layton Dr, S Coors Dr, Co Rd 116, S Ellis Ct, W Calahan Ave, W 13th Pl, Cornell Pl, Lakewood Pl$923
W Wesley Ct, W Florida Pl, S Fig St, W Cedar Pl, S Manor Ln, Rosewood Dr, W Dorado Pl, W Brandt Ave, Park Ln, S Depew Dr$924
W Glen Moor Pkwy, S Youngfield Pl, Nile St, W Bear Creek Dr, W Iliff Dr, W Maple Dr, Pikeview St, W Hampden Svc Rd, W Quincy Dr, Broadview Dr$886

Insurance rates are influenced by a number of factors including:

  • Year Built: 13,711 Homes (21% of total) built between 1960 to 1969 in Lakewood are paying home insurance between $1,552-$1,565 in contrast with East Pleasant View (+$18), Applewood (+$49), Bow Mar (+$364), West Pleasant View (-$25) and Mountain View (-$32).
  • Bedrooms: 17,233 3 bedrooms homes (27% of total homes ) in Lakewood are paying about $461 and varies from East Pleasant View (+$6), Applewood (+$15), Bow Mar (+$108), West Pleasant View (-$7) and Mountain View (-$9).
  • Auto Insurance Bundling: 9,724 Households (27% of all households) in Lakewood have 3 or more vehicles available and when it is bundled with home insurance you can save $221 and differs from East Pleasant View ($224), Northeast Jefferson ($221), West Pleasant View ($218).
  • Senior Discounts: 18,246 seniors (more than 55 years) occupied housing units (51% of total) in Lakewood get discounts between $132 to $135 compared to East Pleasant View ($134), Northeast Jefferson ($133), West Pleasant View ($130).
  • New Homes discounts: New homes such as the 20,237 homes built between 2000 to 2009 in Lakewood can save $177 in contrast with East Pleasant View ($179), Northeast Jefferson ($177), West Pleasant View ($174).

Lakewood Homeowners insurance Facts

  • Lakewood, CO has 35,539 owner occupied houses which is 58.0% of all units whereas East Pleasant View, Northeast Jefferson and West Pleasant View have 80.75%, 68.66% and 57.67% respectively.
  • Lakewood, CO homeowners yearly insurance price at $886 is 0.37% of the typical house value of $238,000 which is in contrast with 0.33% in East Pleasant View, 0.36% at Northeast Jefferson & 0.44% in West Pleasant View.
  • Homeowners in Lakewood, CO pay 1.54% of their income ($45,000 to $49,999) in insurance whereas homeowners in Northeast Jefferson, West Pleasant View and Applewood pay 1.54%, 1.52% and 1.59% respectively.
  • Lakewood, CO’s insurance is 4.6% of monthly housing costs of $1,607/month, for owners with a mortgage compared to 4.35% in Northeast Jefferson, 5.1% at West Pleasant View & 3.8% in Applewood. But, for households without a mortgage, insurance is 16.7% of costs ($443 in Lakewood, CO) in contrast with 16.88% in Northeast Jefferson, 16.04% at West Pleasant View & 14.36% in Applewood.

Lakewood, CO Home Values & Insurance rates

For example, insurance for 2,901 Homes (9.0% of total homes ) valued between $150,000 to $174,999 in Lakewood, CO is about $602. Rates in nearby areas in such as East Pleasant View, Northeast Jefferson, Applewood are cheaper by $73, $17, $163 respectively while West Pleasant View and Edgewater are costlier by $113 and $121 respectively for similar homes.

Lakewood, CO Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 920 2.0% $88
$80,000 to $89,999 418 1.0% $310
$90,000 to $99,999 430 1.0% $345
$100,000 to $124,999 1,462 4.0% $407
$125,000 to $149,999 2,159 6.0% $505
$150,000 to $174,999 2,901 9.0% $602
$175,000 to $199,999 2,768 8.0% $691
$200,000 to $249,999 8,334 26.0% $832
$250,000 to $299,999 6,710 20.0% $1018
$300,000 to $399,999 5,475 17.0% $1302

Renters Insurance in Lakewood

  • Average Renters Insurance in Lakewood :  $188($15/month)

  • Median Gross Rent in Lakewood :  $921

  • Lakewood Renters Insurance to Median Rent Ratio:  1.63%

  • Renter occupied housing units in Lakewood :  25,764

Lakewood Renters Insurance as a Percentage of Rent

Lakewood Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 933 3.0% $1247
$500 to $749 5,031 19.0% $1922
$750 to $999 8,471 33.0% $2672
$1,000 to $1,499 8,051 31.0% $3797
$1,500 or more 2,421 9.0% $5447

Rent Affordability in Lakewood:

Approximately 43.0% (11,220) of households are spending more than 35% of their income on gross rent in Lakewood

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 2,629 10.0%
15.0 to 19.9 percent 3,412 13.0%
20.0 to 24.9 percent 3,656 14.0%
25.0 to 29.9 percent 2,671 10.0%
30.0 to 34.9 percent 2,176 8.0%
35.0 percent or more 11,220 43.0%

Lakewood Renters Insurance Discounts:

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

Number of Vehicles in Lakewood, CO Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 12,646 49.0% $18.8
2 vehicles available 7,754 30.0% $28.2
3 or more vehicles available 1,747 6.0% $37.6

Protective device discount in Lakewood Up to :  $28

Claims-free discount in Lakewood Up to :  $37