Westminster Insurance Rates:

Westminster, CO home insurance is roughly $748 to $1,014, about $62-$84/month. Our detailed research indicates shoppers can save as much as $352 by comparing many quotes

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Westminster Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Nationwide Insurance
Home Insurance Rate of $890/6 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $485,000

5 Beds, 5 Baths 4720 sqft Vacation Property Constructed In 2010 with Carpet over wood flooring, Tile Roof, Crawl Space Foundation, Stucco siding, Stucco Construction. Home Features Include Fire Extinguisher, Central Air Conditioning, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

46 Years old Single Female who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $270/3 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $450,000

5 Beds, 5 Bath 4560 sqft Primary Residence Constructed In 2014 with Linoleum, Composition Roof, Piers Foundation, Stone Siding, Stucco Construction. Home Features Include Smoke Alarm, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

23 Years old Married Male who is Unemployed and has 1 Pet and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $380/4 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $290,000

4 Beds, 4 Baths 2700 sqft Vacation Property Constructed In 1992 with Wood Flooring, Composition Roof, Crawl Space Foundation, Stucco siding, Wood Frame. Home Features Include Fire Extinguisher, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

53 Years old Divorced Female who has a Full Time Job with household income of $25-50,000 and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1000/9 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $360,000

5 Beds, 5 Baths 3510 sqft Primary Residence Constructed In 1998 with Carpet Flooring, Asphalt Shingles Roof, Slab Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Deadbolt Locks, Central Air Conditioning, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

73 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Smoker

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

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $890/6 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $295,000

4 Beds, 4 Baths 2640 sqft Seasonal Residence Constructed In 1980 with Ceramic Tile Flooring, Metal Roof, Slab Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Central Air Conditioning, Copper Water Pipes, Smoke Alarm, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

72 Years old Divorced Female who is Retired with household income of less than $25,000 and has 1 Pet and is a Smoker

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

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1340/7 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $445,000

5 Beds, 5 Baths 3790 sqft Seasonal Residence Constructed In 2006 with Ceramic Tile Flooring, Wood Shake Roof, Piers Foundation, Stone Siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

29 Years old Married Male who has a Full Time Job with household income of $50-$75,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

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

Home Value : $495,000

5 Beds, 5 Baths 4320 sqft Vacation Property Constructed In 2009 with Carpet Flooring, Asphalt Shingles Roof, Slab Foundation, Vinyl siding, Brick Frame. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

39 Years old Divorced Male who has a Full Time Job with household income of $25-50,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $1640/12 months for $250,000-$300,000 Coverage
Policy Holder Home Details :

Home Value : $300,000

2 Beds, 2 Bath 1673 sqft Primary Residence Constructed In 1973 with Stone Flooring, Metal Roof, Piers Foundation, Brick siding, Metal Frame Construction. Home Features Include Smoke Alarm, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

69 Years old Married Female who is Unemployed and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Westminster, CO Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
80021 $231,500 $900
80031 $228,900 $890
80030 $166,400 $870

Westminster Rates & Quotes Analysis:

Westminster Area Estimated House Insurance
W 133rd Cir, Tejon Way, Lowell Way, W 132nd Pl, W 107th Pl, W 135th Pl, W 115th Dr, W 107th Ct, E 156th Ave, Grove Ct$885
N Elliot St, W 71st Way, Hunter Way, W 90th Pl, W 116th Ave, Bradburn Blvd, W 99th Pl, W 116th Way, Circle Dr, E 144th Way$870
W 81st Ave, N Tennyson Way, W 106th Pl, 103rd Pl, Canosa St, Pratt St, W Hawthorne Pl, Grove Ct, W 86th Ave, Pratt Pl$863
Yates Dr, E 152nd Pl, W 144th Ave, W 152nd Pl, W 71st Ct, Cherry Ln, W 77th Ave, Bradburn Blvd, 110th Pl, W 116th Ln$930
Alcott Dr, W 98th Pl, W 98th Way, W 97th Pl, W 119th Ave, Avrum Dr, W 114th Pl, W 80th Pl, Saint Paul St, Lipan Ct$916

Insurance rates are influenced by a number of factors including:

  • Year Built: 10,122 Homes (22% of total) built between 1990 to 1999 in Westminster are paying home insurance between $1,271-$1,284 and varies from Broomfield County (+$23), Superior (+$85), Louisville (+$68), Shaw Heights (-$19) and Federal Heights (-$82).
  • Bedrooms: 11,150 2 bedrooms homes (25% of total homes ) in Westminster are paying about $362. Areas near to Westminster such as Broomfield County, Superior, Louisville are costlier by $6, $24, $19 respectively whereas Shaw Heights and Federal Heights are more economical by $6, $7 respectively for similar homes.
  • Auto Insurance Bundling: 8,033 Households (29% of all households) in Westminster have 3 or more vehicles available and when it is bundled with home insurance you can save $220. Discounts for similar bundling in close by locations such as Shaw Heights, Federal Heights, West Adams come to $217, $206, $217 respectively.
  • Senior Discounts: 10,581 seniors (more than 55 years) occupied housing units (39% of total) in Westminster get discounts between $132 to $134. The comparative concessions in proximate regions such as Shaw Heights, Federal Heights and Sherrelwood are $130, $123 and $129 respectively.
  • New Homes discounts: New homes such as the 18,525 homes built between 2000 to 2009 in Westminster can save $176 and differs from Shaw Heights ($173), Federal Heights ($164), West Adams ($173).

Westminster Homeowners insurance Facts

  • Westminster, CO has 26,987 owner occupied houses which is 65.2% of all units whereas Shaw Heights, Federal Heights and West Adams have 76.41%, 51.63% and 64.19% respectively.
  • Westminster, CO homeowners yearly insurance price at $881 is 0.39% of the typical house value of $223,700 which is in contrast with 0.48% in Shaw Heights, 2.04% at Federal Heights & 0.47% in West Adams.
  • Homeowners in Westminster, CO pay 1.6% of their income ($50,000 to $59,999) in insurance whereas homeowners in Shaw Heights, Federal Heights and West Adams pay 1.58%, 1.5% and 1.58% respectively.
  • Westminster, CO’s insurance is 4.5% of monthly housing costs of $1,616/month, for owners with a mortgage compared to 4.78% in Shaw Heights, 5.5% at Federal Heights & 4.66% in West Adams. But, for households without a mortgage, insurance is 17.6% of costs ($417 in Westminster, CO) in contrast with 18.5% in Shaw Heights, 10.4% at Federal Heights & 18.01% in West Adams.

Westminster, CO Home Values & Insurance rates

For example, insurance for 824 Homes (3.0% of total homes ) valued between Less than $50,000 in Westminster, CO is about $96. Rates in nearby areas in such as Broomfield County, Broomfield, Arvada are cheaper by $16, $16, $8 respectively while Federal Heights and West Adams are costlier by $414 and $16 respectively for similar homes.

Westminster, CO Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 824 3.0% $96
$90,000 to $99,999 252 1.0% $370
$100,000 to $124,999 923 3.0% $431
$125,000 to $149,999 1,659 6.0% $537
$150,000 to $174,999 2,825 11.0% $634
$175,000 to $199,999 3,149 13.0% $731
$200,000 to $249,999 7,054 29.0% $881
$250,000 to $299,999 3,685 15.0% $1083
$300,000 to $399,999 3,088 12.0% $1374

Renters Insurance in Westminster

  • Average Renters Insurance in Westminster :  $196($16/month)

  • Median Gross Rent in Westminster :  $1,000

  • Westminster Renters Insurance to Median Rent Ratio:  1.6%

  • Average household size of renter-occupied unit :  2.48

Westminster Renters Insurance as a Percentage of Rent

Westminster Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 230 1.0% $799
$300 to $499 284 2.0% $1249
$500 to $749 2,330 16.0% $1924
$750 to $999 4,157 29.0% $2674
$1,000 to $1,499 4,856 34.0% $3799
$1,500 or more 2,231 15.0% $5449

Protective device discount in Westminster Up to :  $29

Claims-free discount in Westminster Up to :  $39