Parker Insurance Rates:

Parker, CO home insurance is nearly $772 to $1,047, about $64-$87/month. Our extensive analysis shows customers can save as much as $364 by comparing multiple quotes

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Parker Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Allstate
Home Insurance Rate of $460/4 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $300,000

3 Beds, 3 Baths 2170 sqft Seasonal Residence Constructed In 2008 with Carpet Flooring, Asphalt Shingles Roof, Chainwall Foundation, Brick siding, Brick Frame. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1100/8 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $440,000

5 Beds, 5 Baths 3250 sqft Primary Residence Constructed In 2002 with Ceramic Tile Flooring, Tile Roof, Crawl Space Foundation, Wood siding, Wood Frame. Home Features Include Copper Water Pipes, Deadbolt Locks, Swimming Pool, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

64 Years old Divorced Male who has a Full Time Job with household income of $50-$75,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $690/5 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $630,000

5 Beds, 5 Baths 4460 sqft Seasonal Residence Constructed In 2013 with Carpet over wood flooring, Wood Shake Roof, Crawl Space Foundation, Brick siding, Stucco Construction. Home Features Include Fire Extinguisher, Indoor Sprinklers, Copper Water Pipes, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

69 Years old Divorced Female who is Retired and has More than 3 Pets at home and is a Non-Smoker

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

  • 700-749 Credit Score

Home Insurance Rate of $3720/12 months for $700,000-$800,000 Coverage
Policy Holder Home Details :

Home Value : $630,000

4 Beds, 4 Baths 3559 sqft Primary Residence Constructed In 1994 with Hardwood Flooring, Wood Shake Roof, Piers Foundation, Brick siding, Brick Frame. Home Features Include Indoor Sprinklers, Fireplace, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

44 Years old Single Female who is Unemployed and has More than 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

Parker, CO Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
80138 $342,200 $920
80134 $313,600 $920

Parker Rates & Quotes Analysis:

Parker Area Estimated House Insurance
Jones Rd, Chiquita Pl, E Sussex Ct, Cornish Pl, High Desert Rd, S Jordan Rd, Crestwood Ct, Northbrook Ave, N Donner Ct, Melborne Ct$888
Saranac Way, E Basswood Ln, Canterberry Pkwy, E Richlawn Ln, E Piute Row, E York Ave, N Templin Ln, E Brownstone Dr, Needles Ln, Dove Ridge Way$930
Nuthatch Rd, Dunrich Rd, Autumn Oak Rd, S Trailmaster Cir, Martingale Ln, Gigi St, Territorial St, E Thunderbird Cir, Anton Ct, Maple Rock Ct$958
Carefree Trl, N Thunderhill Rd, Thomaston Cir, Sulfur Ct, Allendale Ave, S Arcaro Creek Ct, Blue Sage Ln, Stanhope Rd, Oldfield St, Meadow Green Cir$926
N Cardinal Dr, Hope Dale Ave, Colony Loop, Knobcone Dr, Lexington Way, Diamond Ridge Pkwy, E Valley Hi Dr, S Crazy Horse Ct, Longford Dr, Hidden Pines Ct$935
N Windfield, N Cantrell Ct, Warbonnet Trl, SE Cherry Creek Rd, Hastings Ct, Chambers Rd, Saddleback Dr, Clandan Ct, Crow Hill Dr, Dransfeldt Rd$924
Sunset Dr, E Oak Creek Pl, N Village Rd, Grey Squirrel Way, E Wiley Pl, Arroyo Verde Ct, Peridot Ct, S Evans Way, Conestoga Pl, Pine Top St$1,006
Bridle Path Ln, E Smith Rd, Glenmoor Ct, S Crowberry Ln, Peru Creek Ave, S Cedar Gulch Cir, Clarke Farms Dr, E Stallion Dr, Angie Ct, Summit Ridge Pl$890
E Horseshoe Cir, E Althea Cir, Arroyo Verde Way, Branston Way, E Pinewood Dr, S Carson Ct, Leesburg Rd, Ashcroft Ave, Betts Ranch Rd, Burning Ridge Dr$933
Oakmoor Ct, Switzer Park Ln, Warriors Mark Rd, E Prescott Ave, Lodes Star Way, Sunrise Trl, Stratton Ave, E Lark Dr, Tamarron Dr, Grand Mesa Ln$916

Insurance rates are influenced by a number of factors including:

  • Year Built: 11,699 Homes (30% of total) built between 1990 to 1999 in Parker are paying home insurance between $1,313-$1,326 and varies from The Pinery (+$20), Castle Pines (+$60), Castle Pines Village (+$265), Castle Rock (-$19) and Larkspur (-$74).
  • Bedrooms: 13,833 3 bedrooms homes (36% of total homes ) in Parker are paying about $474. Areas near to Parker such as The Pinery, Castle Pines, Castle Pines Village are costlier by $7, $22, $95 respectively whereas Castle Rock and Larkspur are more economical by $7, $27 respectively for similar homes.
  • Auto Insurance Bundling: 16,218 Households (53% of all households) in Parker have 2 vehicles available and when it is bundled with home insurance you can save $182. Discounts for similar bundling in close by locations such as Franktown, The Pinery, Castle Rock come to $182, $184, $179 respectively.
  • Senior Discounts: 8,378 seniors (more than 55 years) occupied housing units (27% of total) in Parker get discounts between $136 to $138. The comparative concessions in proximate regions such as Franktown, The Pinery and Castle Rock are $137, $138 and $134 respectively.
  • New Homes discounts: New homes such as the 28,319 homes built between 2000 to 2009 in Parker can save $182 and varies from Franktown ($182), The Pinery ($184), Castle Rock ($179).

Parker Homeowners insurance Facts

  • Parker, CO has 30,265 owner occupied houses which is 82.7% of all units whereas Franktown, The Pinery and Castle Rock have 79.8%, 93.51% and 75.47% respectively.
  • Parker, CO homeowners yearly insurance price at $910 is 0.29% of the typical house value of $314,000 which is in contrast with 0.28% in Franktown, 0.26% at The Pinery & 0.33% in Castle Rock.
  • Homeowners in Parker, CO pay 1.35% of their income ($60,000 to $74,999) in insurance whereas homeowners in Franktown, The Pinery and Castle Rock pay 1.35%, 1.37% and 1.33% respectively.
  • Parker, CO’s insurance is 3.6% of monthly housing costs of $2,117/month, for owners with a mortgage compared to 3.37% in Franktown, 3.13% at The Pinery & 3.56% in Castle Rock. But, for households without a mortgage, insurance is 13.6% of costs ($559 in Parker, CO) in contrast with 16.49% in Franktown, 12.16% at The Pinery & 15.38% in Castle Rock.

Parker, CO Home Values & Insurance rates

For example, insurance for 751 Homes (3.0% of total homes ) valued between $125,000 to $149,999 in Parker, CO is about $391. Rates in nearby areas in such as Douglas County, Foxfield, Elizabeth are cheaper by $16, $155, $24 respectively while Castle Rock and Dove Valley are costlier by $48 and $268 respectively for similar homes.

Parker, CO Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 275 1.0% $63
$100,000 to $124,999 359 1.0% $318
$125,000 to $149,999 751 3.0% $391
$150,000 to $174,999 1,357 6.0% $464
$175,000 to $199,999 1,379 6.0% $536
$200,000 to $249,999 5,012 22.0% $646
$250,000 to $299,999 4,626 20.0% $791
$300,000 to $399,999 8,395 37.0% $1010

Renters Insurance in Parker

  • Average Renters Insurance in Parker :  $144($12/month)

  • Median Gross Rent in Parker :  $1,212

  • Parker Renters Insurance to Median Rent Ratio:  0.99%

  • Average household size of renter-occupied unit :  2.36

Parker Renters Insurance as a Percentage of Rent

Parker Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 73 1.0% $336
$500 to $749 381 6.0% $1911
$750 to $999 1,471 24.0% $2661
$1,000 to $1,499 2,293 37.0% $3786
$1,500 or more 1,811 29.0% $5436

Protective device discount in Parker Up to :  $21

Claims-free discount in Parker Up to :  $28