Longmont Insurance Rates:

Longmont, CO home insurance is approximately $758 to $1,028, about $63-$85/month. Our all inclusive guide shows customers can save upto $357 by comparing different quotes

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Longmont Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $560/6 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $310,000

3 Beds, 3 Baths 2120 sqft Primary Residence Constructed In 2009 with Ceramic Tile Flooring, Composition Roof, Crawl Space Foundation, Stone Siding, Metal Frame Construction. Home Features Include Swimming Pool, Fireplace, Indoor Sprinklers, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

72 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $1140/8 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $455,000

4 Beds, 4 Baths 2830 sqft Primary Residence Constructed In 1983 with Ceramic Tile Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Stucco siding, Stucco Construction. Home Features Include Fire Extinguisher, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

64 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

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $720/5 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $410,000

4 Beds, 4 Bath 2850 sqft Seasonal Residence Constructed In 2011 with Hardwood Flooring, Tile Roof, Slab Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Smoke Alarm, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

44 Years old Married Male who is a Freelancer with household income of $25-50,000 and has 1 Pet and is a Non-Smoker

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

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $190/1 month for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $505,000

4 Beds, 4 Bath 3180 sqft Vacation Property Constructed In 2003 with Carpet over wood flooring, Wood Shake Roof, Chainwall Foundation, Brick siding, Brick Frame. Home Features Include Fire Extinguisher, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

65 Years old Divorced Female who is Unemployed and has More than 3 Pets at home and is a Smoker

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

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $340/6 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $180,000

3 Beds, 3 Baths 1410 sqft Seasonal Residence Constructed In 1970 with Carpet over wood flooring, Slate Shingles Roof, Slab Foundation, Stone Siding, Stucco Construction. Home Features Include Fireplace, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

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

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $300/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $210,000

3 Beds, 3 Bath 1630 sqft Rental Property Constructed In 2006 with Carpet Flooring, Shingles Roof, Chainwall Foundation, Wood siding, Stucco Construction. Home Features Include Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

70 Years old Single 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

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $490/3 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $435,000

5 Beds, 5 Baths 3090 sqft Seasonal Residence Constructed In 1990 with Ceramic Tile Flooring, Metal Roof, Crawl Space Foundation, Brick siding, Brick Frame. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

48 Years old Divorced Male who is a Freelancer with household income of $100-$150,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $1440/9 months for $300,000-$350,000 Coverage
Policy Holder Home Details :

Home Value : $465,000

4 Beds, 4 Baths 3172 sqft Rental Property Constructed In 1994 with Carpet over wood flooring, Membrane Roof, Slab Foundation, Brick siding, Brick Frame. Home Features Include Central Air Conditioning, Copper Water Pipes, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

32 Years old Single Female who is Unemployed with household income of less than $25,000 and has More than 3 Pets and is a Non-Smoker

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

  • 500-549 Credit Score

  • Seniors staying at home

Longmont, CO Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
80503 $352,400 $940
80504 $255,500 $900
80501 $196,300 $880

Longmont Rates & Quotes Analysis:

Longmont Area Estimated House Insurance
23rd Ave, Wyndemere Cir, Rannoch Dr, Bluebird Dr, Atwood St, Princeton Cir, Abbey Dr, Sugar Mill Ave, Peregrine Cir, Park Dr$887
Lake Park Dr, Mariner Dr, Mount Sneffels St, Pace St, Beech Way, Henry Ct, W Co Rd 2, Cottonwood Ct, 10th Ave, Vail Ln$906
Jamison Pl, Riverview Ct, Buckham Way, Morgan Rd, Reese Ave, Grant St, Sunset Cir, Bramwood Pl, Walker Ct, Medford St$887
Turin Dr, 100 Year Party Ct, Smith Dr, Roma Ct, Steele St, Tucson Ct, Welch Ct, Peregrine Ln, Jade Way, Prairie Song Pl$958
Keystone Ct, Fordham St, Kansas Ave, Spring Creek Trl, Trout Creek Cir, Willowbrook Dr, Tyrrhenian Dr, Polo Dr, Santa Fe Dr, Pebble Rd$894
Glenbor Ct, Feltham Pl, Corinth Rd, N 67th St, N 49th St, Quebec Ave, Sorenlo Pl, Kinnikinnick Ct, Co Rd 49, Dry Creek Dr$1,010
Sage Valley Rd, Alpine St, Mayfield Ln, Doral Dr, Trevarton Ln, Springhill Dr, Grove Ct, Stardance Way, Camelia Ct, Saint Vrain Rd$1,030
Dahlia Way, Carnation Cir, Merriman Pl, Kylie Dr, Meeker Pl, Nimbus Rd, Comanche Ct, Elgin Ave, Antelope Dr, Aspen St$897
Cumberland Dr, Cambridge Dr, Skysail Ct, Eagle Springs Trl, E 17th Ave, Prairie Hawk Dr, Merideth Ln, Vassar Ct, Centrebridge Dr, Gaynor Way$892
20th Ave, St Clair Ave, N Parkside Dr, 1st Ave E, Mayfield Cir, N 85th St, Sunnyside Ln, Incorrigible Cir, Kiteley Ln, Coffman St$892

Insurance rates are influenced by a number of factors including:

  • Year Built: 8,818 Homes (21% of total homes ) built between 1990 to 1999 in Longmont are paying home insurance between $1,288-$1,301. Places close to Longmont, CO such as Lyons, Niwot, Gunbarrel are more expensive by $41, $143, $52 respectively while Frederick and Crisman are cheaper by $19 and $120 respectively for similar homes.
  • Bedrooms: 14,199 3 bedrooms homes (35% of total homes ) in Longmont are paying about $465. Areas near to Longmont such as Lyons, Niwot, Altona are costlier by $14, $51, $62 respectively whereas Firestone and Frederick are more economical by $3, $7 respectively for similar homes.
  • Auto Insurance Bundling: 12,273 Households (48% of all households) in Longmont have 2 vehicles available and when it is bundled with home insurance you can save $178 compared to Lyons ($184), Niwot ($198), Altona ($202).
  • Senior Discounts: 11,396 seniors (more than 55 years) occupied housing units (44% of total) in Longmont get discounts between $133 to $136. The comparative concessions in proximate regions such as Lyons, Niwot and Altona are $138, $148 and $151 respectively.
  • New Homes discounts: New homes such as the 18,145 homes built between 2000 to 2009 in Longmont can save $178 and differs from Lyons ($184), Niwot ($198), Altona ($202).

Longmont Homeowners insurance Facts

  • Longmont, CO has 25,522 owner occupied houses which is 65.2% of all units whereas Lyons, Niwot and Altona have 77.51%, 86.43% and 79.52% respectively.
  • Longmont, CO homeowners yearly insurance price at $893 is 0.34% of the typical house value of $260,500 which is in contrast with 0.26% in Lyons, 0.17% at Niwot & 0.16% in Altona.
  • Homeowners in Longmont, CO pay 1.32% of their income ($60,000 to $74,999) in insurance whereas homeowners in Lyons, Niwot and Gunbarrel pay 1.36%, 1.47% and 1.38% respectively.
  • Longmont, CO’s insurance is 4.4% of monthly housing costs of $1,710/month, for owners with a mortgage compared to 3.64% in Lyons, 3.66% at Niwot & 4.25% in Gunbarrel. But, for households without a mortgage, insurance is 18.8% of costs ($396 in Longmont, CO) in contrast with 17.6% in Lyons, 13.46% at Niwot & 16.09% in Gunbarrel.

Longmont, CO Home Values & Insurance rates

For example, insurance for 2,178 Homes (10.0% of total homes ) valued between $150,000 to $174,999 in Longmont, CO is about $553. Rates in nearby areas in such as Lyons, Niwot, Gunbarrel are cheaper by $130, $276, $154 respectively while Firestone and Frederick are costlier by $32 and $89 respectively for similar homes.

Longmont, CO Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 999 4.0% $80
$100,000 to $124,999 417 2.0% $375
$125,000 to $149,999 927 4.0% $464
$150,000 to $174,999 2,178 10.0% $553
$175,000 to $199,999 2,404 11.0% $634
$200,000 to $249,999 4,804 23.0% $767
$250,000 to $299,999 3,662 18.0% $937
$300,000 to $399,999 4,565 22.0% $1196

Renters Insurance in Longmont

  • Average Renters Insurance in Longmont :  $175($14/month)

  • Median Gross Rent in Longmont :  $949

  • Longmont Renters Insurance to Median Rent Ratio:  1.48%

  • Average household size of renter-occupied unit :  2.43

Longmont Renters Insurance as a Percentage of Rent

Longmont Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 140 1.0% $343
$200 to $299 208 1.0% $793
$300 to $499 427 3.0% $1243
$500 to $749 2,401 18.0% $1918
$750 to $999 4,604 34.0% $2668
$1,000 to $1,499 4,185 31.0% $3793
$1,500 or more 1,321 9.0% $5443

Rent Affordability in Longmont:

Approximately 45.0% (6,160) of households are spending more than 35% of their income on gross rent in Longmont

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,469 10.0%
15.0 to 19.9 percent 1,494 10.0%
20.0 to 24.9 percent 1,583 11.0%
25.0 to 29.9 percent 1,551 11.0%
30.0 to 34.9 percent 1,357 9.0%
35.0 percent or more 6,160 45.0%

Protective device discount in Longmont Up to :  $26

Claims-free discount in Longmont Up to :  $35