Loveland Insurance Rates:

Loveland, CO home insurance is roughly $750 to $1,017, about $62-$84/month. Our exhaustive analysis reveals consumers can save upto $353 by comparing different quotes

Compare Quotes from Top Providers and Save now!

Loveland, Colorado Homeowners share details on the cheapest & most trustworthy home insurance companies for you to compare & get great deals.

Loveland Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $210/2 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $240,000

3 Beds, 3 Baths 1750 sqft Seasonal Residence Constructed In 1987 with Carpet Flooring, Metal Roof, Piers Foundation, Stone Siding, Stucco Construction. Home Features Include Central Air Conditioning, Fire Extinguisher, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

59 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 :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $640/8 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $215,000

5 Beds, 5 Baths 2010 sqft Seasonal Residence Constructed In 1986 with Stone Flooring, Wood Shake Roof, Piers Foundation, Brick siding, Stucco Construction. Home Features Include Smoke Alarm, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

69 Years old Single Male who is Retired and has 1 Pet and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $380/10 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $135,000

3 Beds, 3 Bath 1200 sqft Seasonal Residence Constructed In 1993 with Carpet Flooring, Membrane Roof, Crawl Space Foundation, Stone Siding, Wood Frame. Home Features Include Indoor Sprinklers, Deadbolt Locks, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

41 Years old Married Male who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $80/1 month for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $310,000

4 Beds, 4 Baths 2350 sqft Rental Property Constructed In 1994 with Linoleum, Slate Shingles Roof, Crawl Space Foundation, Wood siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

30 Years old Single Female 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 :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $240/2 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $280,000

5 Beds, 5 Baths 1970 sqft Vacation Property Constructed In 2010 with Wood Flooring, Membrane Roof, Piers Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Copper Water Pipes, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

26 Years old Single Female who is Unemployed with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $1310/10 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $360,000

4 Beds, 4 Bath 3350 sqft Seasonal Residence Constructed In 2011 with Carpet over wood flooring, Tile Roof, Piers Foundation, Vinyl siding, Brick Frame. Home Features Include Deadbolt Locks, Central Air Conditioning, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

47 Years old Divorced Male who is a Freelancer with household income of $100-$150,000 and has 3 Pets and is a Smoker

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

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $210/2 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $255,000

4 Beds, 4 Baths 2210 sqft Vacation Property Constructed In 2001 with Wood Flooring, Wood Shake Roof, Piers Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Smoke Alarm, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

55 Years old Divorced Male who is Unemployed with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $270/5 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $190,000

3 Beds, 3 Baths 1310 sqft Seasonal Residence Constructed In 2010 with Ceramic Tile Flooring, Membrane Roof, Chainwall Foundation, Stucco siding, Brick Frame. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

38 Years old Married Male who has a Full Time Job with household income of $100-$150,000 and has 2 Pets and is a Smoker

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

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $2080/12 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $410,000

4 Beds, 4 Baths 2730 sqft Seasonal Residence Constructed In 2010 with Ceramic Tile Flooring, Shingles Roof, Piers Foundation, Wood siding, Stucco Construction. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

31 Years old Divorced Male who has a Full Time Job with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $950/6 months for $200,000-$250,000 Coverage
Policy Holder Home Details :

Home Value : $220,000

2 Beds, 2 Bath 1423 sqft Primary Residence Constructed In 1982 with Hardwood Flooring, Wood Shake Roof, Crawl Space Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Swimming Pool, Central Air Conditioning, Fireplace, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

46 Years old Divorced Male who is a Freelancer with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Loveland, CO Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
80538 $223,700 $890
80537 $216,200 $890

Loveland Rates & Quotes Analysis:

Loveland Area Estimated House Insurance
Keenesburg Ct, 9th Pl SW, John Galt Dr, Springwood Ct, Sheridan Ave, Gard Pl, Longspur St, Hawaii Cir, Prospect Dr, Turkey Roost Connection$879
Glen Dr, Norfolk Pl, Turquoise St, Thomas Ct, Ladera Rd, Shirke Rd, Many Elk Rd, S Cleveland Ave, N del Norte Ave, Springs Ranch Rd$907
Gladeview Ct, Roosevelt Ave, Jordan Dr, Calhoun Ct, Clear Creek Dr, Swan Mountain Dr, Laguna Ct, Creekwood Dr, Highland Dr, Taft Hill Rd$923
Shubert Dr, S Dotsero Dr, Idaho Pl, Singing Pines Ct, W 32nd St, Joyce Ct, Mount Fisher Ct, Jefferson Dr, W 6th St, Lebsack Ln$908
Meadow Ln, Mountain Lion Dr, Obrien Dr, Lucia Ct, 15th St SW, Sheridan Ave, N Custer Ave, Over Rd, Cox Ct, Sand Grouse Dr$882
E 12th St, Grey Mountain Dr, Spanish Bay Dr, Filbert Ave, Coral Burst Ct, Bulwark Ridge Ct, Brookwood Ct, Crowley Cir, Fallgold Dr, Jessen Dr$885
W 29th St, W Co Rd 18, Bulwark Ridge Dr, Monroe Ave, Mid Pointe Dr, Dry Creek, W Co Rd 16H, 2nd St SE, Indian Blind Trl, Sundisk Dr$920
Saddle Notch Rd, Sunflower Rd, E Co Rd 14, Breckenridge Dr, Fire Rte 344, Carmony Rd, Willow Vista Dr, Happy Jack Rd, Dovetail Dr, S Co Rd 9e$921
Polk Dr, Marshall Ash Dr, Panorama Pl, Marmac Dr, Williamsburg St, Highplains Dr, Hilltop Dr, Mountain River Rd, Thrush Ave, Sleepy Hollow Rd$921
S Garfield Ave, Country Mountain Dr, Green Mountain Dr, Sundisk Dr, Shockman Ln, Ground Squirrel Dr, Brandywine Dr, Holladay Ct, Longs Peak Cir, Black Maple Dr$911

Insurance rates are influenced by a number of factors including:

  • Year Built: 4,507 Homes (11% of total homes ) built between 1980 to 1989 in Loveland are paying home insurance between $1,319-$1,332. Places close to Loveland, CO such as Berthoud, Timnath, Lyons are more expensive by $26, $46, $56 respectively while Laporte and Milliken are cheaper by $12 and $28 respectively for similar homes.
  • Bedrooms: 8,487 4 bedrooms homes (20% of total homes ) in Loveland are paying about $752 compared to Berthoud (+$14), Timnath (+$26), Lyons (+$31), Laporte (-$7) and Milliken (-$8).
  • Auto Insurance Bundling: 8,764 Households (31% of all households) in Loveland have 3 or more vehicles available and when it is bundled with home insurance you can save $221 and differs from Berthoud ($225), Fort Collins ($221), Timnath ($228).
  • Senior Discounts: 13,077 seniors (more than 55 years) occupied housing units (46% of total) in Loveland get discounts between $132 to $134 and differs from Berthoud ($135), Fort Collins ($133), Timnath ($137).
  • New Homes discounts: New homes such as the 21,393 homes built between 2000 to 2009 in Loveland can save $176 compared to Berthoud ($180), Fort Collins ($177), Timnath ($183).

Loveland Homeowners insurance Facts

  • Loveland, CO has 27,895 owner occupied houses which is 72.2% of all units whereas Berthoud, Fort Collins and Timnath have 89.97%, 57.22% and 88.66% respectively.
  • Loveland, CO homeowners yearly insurance price at $884 is 0.38% of the typical house value of $232,000 which is in contrast with 0.31% in Berthoud, 0.37% at Fort Collins & 0.28% in Timnath.
  • Homeowners in Loveland, CO pay 7.07% of their income ($10,000 to $14,999) in insurance whereas homeowners in Berthoud, Fort Collins and Laporte pay 7.21%, 7.1% and 7.01% respectively.
  • Loveland, CO’s insurance is 4.8% of monthly housing costs of $1,535/month, for owners with a mortgage compared to 4.26% in Berthoud, 4.7% at Fort Collins & 3.34% in Timnath. But, for households without a mortgage, insurance is 20.5% of costs ($360 in Loveland, CO) in contrast with 15.42% in Berthoud, 18.48% at Fort Collins & 19.16% in Timnath.

Loveland, CO Home Values & Insurance rates

For example, insurance for 1,634 Homes (6.0% of total homes ) valued between $125,000 to $149,999 in Loveland, CO is about $521. Rates in nearby areas in such as Berthoud, Fort Collins, Johnstown-Milliken are cheaper by $89, $16, $1 respectively while Laporte and Milliken are costlier by $57 and $171 respectively for similar homes.

Loveland, CO Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,551 6.0% $88
$100,000 to $124,999 597 2.0% $415
$125,000 to $149,999 1,634 6.0% $521
$150,000 to $174,999 2,878 12.0% $618
$175,000 to $199,999 3,427 14.0% $707
$200,000 to $249,999 5,532 23.0% $857
$250,000 to $299,999 3,415 14.0% $1043
$300,000 to $399,999 4,304 18.0% $1326

Renters Insurance in Loveland

  • Average Renters Insurance in Loveland :  $191($15/month)

  • Median Gross Rent in Loveland :  $928

  • Loveland Renters Insurance to Median Rent Ratio:  1.62%

  • Average household size of renter-occupied unit :  2.34

Loveland Renters Insurance as a Percentage of Rent

Loveland Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 180 1.0% $347
$200 to $299 267 2.0% $797
$300 to $499 503 4.0% $1247
$500 to $749 2,265 21.0% $1922
$750 to $999 2,783 26.0% $2672
$1,000 to $1,499 3,404 32.0% $3797
$1,500 or more 1,009 9.0% $5447

Protective device discount in Loveland Up to :  $28

Claims-free discount in Loveland Up to :  $38