Thornton Insurance Rates:

Thornton, CO home insurance is about $744 to $1,009, about $62-$84/month. Our comprehensive research indicates shoppers can save upto $350 by comparing different quotes

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Thornton Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $340/7 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $195,000

3 Beds, 3 Bath 1430 sqft Vacation Property Constructed In 1991 with Linoleum, Tile Roof, Slab Foundation, Stone Siding, Stucco Construction. Home Features Include Fireplace, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $770/8 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $280,000

3 Beds, 3 Baths 2230 sqft Seasonal Residence Constructed In 1985 with Stone Flooring, Shingles Roof, Piers Foundation, Stucco siding, Brick Frame. Home Features Include Smoke Alarm, Indoor Sprinklers, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

37 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

  • Guests at home

Home Insurance Rate of $2520/12 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $405,000

4 Beds, 4 Baths 2980 sqft Rental Property Constructed In 2001 with Ceramic Tile Flooring, Membrane Roof, Crawl Space Foundation, Wood siding, Brick Frame. Home Features Include Fire Extinguisher, Indoor Sprinklers, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

25 Years old Married Male who has a Full Time Job with household income of more than $150,000 and has 3 Pets and is a Smoker

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

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $760/12 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $195,000

3 Beds, 3 Baths 2020 sqft Vacation Property Constructed In 1997 with Wood Flooring, Slate Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Fire Extinguisher, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

24 Years old Married Male who has a Full Time Job with household income of less than $25,000 and has No Pets and is a Non-Smoker

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

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1690/7 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $640,000

5 Beds, 5 Baths 4720 sqft Seasonal Residence Constructed In 1981 with Hardwood Flooring, Metal Roof, Slab Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

45 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 :
  • 0-25% through paying our mortgage

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $930/9 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $405,000

5 Beds, 5 Baths 3290 sqft Rental Property Constructed In 1986 with Carpet over wood flooring, Shingles Roof, Chainwall Foundation, Vinyl siding, Wood Frame. Home Features Include Fireplace, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

48 Years old Married 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 :
  • 0-25% through paying our mortgage

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $1480/10 months for $300,000-$350,000 Coverage
Policy Holder Home Details :

Home Value : $480,000

4 Beds, 4 Baths 2905 sqft Primary Residence Constructed In 1983 with Stone Flooring, Membrane Roof, Chainwall Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Fireplace, Central Air Conditioning, Copper Water Pipes, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

69 Years old Single Female who is a Freelancer with household income of $25-50,000 and has More than 3 Pets and is a Smoker

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

  • 600-649 Credit Score

  • Guests at home

Thornton, CO Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
80229 $153,300 $870

Thornton Rates & Quotes Analysis:

Thornton Area Estimated House Insurance
Alcott Dr, E 81st Pl, Ellen Ct, W 154th Ave, E 73rd Ave, Sheldon Dr, E 151st Ave, W 149th Ave, E 130th Ave, Grape Ct$919
el Paso Blvd, Eppinger Blvd, Mona Ct, Mitze Way, Wigham St, E 121st Ct, E 162nd Pl, E 147th Ave, Bellaire Ct, Sherman Way$861
E 121st Ave, E 91st Ave, Detroit Ct, Kimberly Dr, Quince St, Kingston Ct, Niagara Way, Torrey Rd, E 126th Way, E 166th Ct$888
E 132nd Cir, E 130th Dr, Wyco Dr, Larkwood St, Ivywood St, Wigham St, Birch Ave, 145th Ave, Utah Ct, E 118th Way$855
Elizabeth Way, Kola Dr, Snowmass Rd, E 103rd Pl, 83rd Ave, E 82nd Pl, E 130th Pl, Pelon Dr, Brandon Way, E 130th Pl$875
E 140th Dr, E 109th Dr, E 138th Cir, E 124th Pl, E 133rd Pl, I- 76 Svc Rd, Forest Dr, Fox Run Pkwy, E 85th Ave, E 132nd Cir$870
Bexley Close, Devonshire Blvd, Tamarac St, Gaylord Way, Jolene Dr, Newport Ct, W 84th Pl, E 94th Pl, Havana Way, E 96th Dr$947
Inca Ct, E 158th Ave, Kearney Cir, Holiday Dr, Grape Way, Heritage Dr, E 132nd Way, 89th Pl, 118th Ct, E 134th Ct$950
Eudora Dr, Driftwood Ln N, Spring Dr, E 131st Ct, Fairfax Cir, Melody Cir, Lake Ave, Osage Way, Darwin Ct, E 129th Pl$869
W 83rd Pl, Badding Dr, E 148th Ln, E 79th Pl, Verbena St, E 83rd Pl, Bryant Mews, Grant Cir N, Coronado Pkwy S, Kokai Cir$838

Insurance rates are influenced by a number of factors including:

  • Year Built: 7,992 Homes (18% of total) built between 1970 to 1979 in Thornton are paying home insurance between $1,420-$1,433 and differs from Todd Creek (+$130), Broomfield County (+$34), Brighton (+$16), Northglenn (-$12) and Federal Heights (-$83).
  • Bedrooms: 9,450 2 bedrooms homes (22% of total homes ) in Thornton are paying about $360. Areas near to Thornton such as Todd Creek, Broomfield County, Brighton are costlier by $32, $8, $3 respectively whereas Northglenn and Federal Heights are more economical by $3, $5 respectively for similar homes.
  • Auto Insurance Bundling: 8,790 Households (30% of all households) in Thornton have 3 or more vehicles available and when it is bundled with home insurance you can save $219 compared to Northglenn ($217), West Adams ($217), Federal Heights ($206).
  • Senior Discounts: 8,460 seniors (more than 55 years) occupied housing units (29% of total) in Thornton get discounts between $131 to $133 and differs from Northglenn ($130), Federal Heights ($123), Welby ($128).
  • New Homes discounts: New homes such as the 26,560 homes built between 2000 to 2009 in Thornton can save $175 and similar new home insurance discounts in nearby towns and cities like Northglenn, West Adams and Federal Heights are $173, $173 and $164 respectively.

Thornton Homeowners insurance Facts

  • Thornton, CO has 28,624 owner occupied houses which is 71.1% of all units whereas Northglenn, West Adams and Federal Heights have 58.38%, 64.19% and 51.63% respectively.
  • Thornton, CO homeowners yearly insurance price at $876 is 0.42% of the typical house value of $207,600 which is in contrast with 0.47% in Northglenn, 0.47% at West Adams & 2.04% in Federal Heights.
  • Homeowners in Thornton, CO pay 5.01% of their income ($15,000 to $19,999) in insurance whereas homeowners in Northglenn, West Adams and Federal Heights pay 4.97%, 4.97% and 4.71% respectively.
  • Thornton, CO’s insurance is 4.3% of monthly housing costs of $1,687/month, for owners with a mortgage compared to 4.92% in Northglenn, 4.66% at West Adams & 5.5% in Federal Heights. But, for households without a mortgage, insurance is 17.3% of costs ($422 in Thornton, CO) in contrast with 18.52% in Northglenn, 18.01% at West Adams & 10.4% in Federal Heights.

Thornton, CO Home Values & Insurance rates

For example, insurance for 3,793 Homes (13.0% of total homes ) valued between $175,000 to $199,999 in Thornton, CO is about $788. Rates in nearby areas in such as Todd Creek, Broomfield County, Broomfield are cheaper by $406, $179, $179 respectively while Northglenn and West Adams are costlier by $89 and $81 respectively for similar homes.

Thornton, CO Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 2,235 8.0% $105
$90,000 to $99,999 300 1.0% $394
$100,000 to $124,999 1,271 4.0% $455
$125,000 to $149,999 2,026 7.0% $578
$150,000 to $174,999 3,158 11.0% $683
$175,000 to $199,999 3,793 13.0% $788
$200,000 to $249,999 6,950 24.0% $946
$250,000 to $299,999 4,415 15.0% $1156
$300,000 to $399,999 3,206 11.0% $1471

Renters Insurance in Thornton

  • Average Renters Insurance in Thornton :  $206($17/month)

  • Median Gross Rent in Thornton :  $1,046

  • Thornton Renters Insurance to Median Rent Ratio:  1.63%

  • Average household size of renter-occupied unit :  2.73

Thornton Renters Insurance as a Percentage of Rent

Thornton Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 139 1.0% $351
$500 to $749 1,347 11.0% $1926
$750 to $999 3,431 29.0% $2676
$1,000 to $1,499 4,795 41.0% $3801
$1,500 or more 1,521 13.0% $5451

Rent Affordability in Thornton:

Approximately 41.0% (4,820) of households are spending more than 35% of their income on gross rent in Thornton

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,060 9.0%
15.0 to 19.9 percent 1,325 11.0%
20.0 to 24.9 percent 1,288 11.0%
25.0 to 29.9 percent 1,619 13.0%
30.0 to 34.9 percent 1,517 13.0%
35.0 percent or more 4,820 41.0%

Thornton Renters Insurance Discounts:

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

Number of Vehicles in Thornton, CO Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 5,494 47.0% $20.6
2 vehicles available 3,691 31.0% $30.9
3 or more vehicles available 1,489 12.0% $41.2

Thornton Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 288 2.0% $104
60 to 64 years 514 4.0% $83
65 to 74 years 367 3.0% $67
75 years and over 542 4.0% $52

Protective device discount in Thornton Up to :  $30

Claims-free discount in Thornton Up to :  $41