Aurora, CO homeowners insurance is nearly $737 to $998, about $61-$83/month. Our comprehensive guide indicates shoppers can save as much as $346 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
In Aurora, CO homeowners pay an average home insurance rate of $1303. Homeowners in Aurora can use discounts offered by different companies to reduce their rates further. To save money on your monthly payments homeowners can take advantage of discounts offered by some of the leading insurers in town like Nationwide and State Farm for a lower cost than what is currently being charged.
Home Insurance Discounts Based on Deductibles
A newly constructed Aurora home can enjoy $303 off on homeowners insurance. Houses are at their lowest propensity to damage when they're new, which is why companies offer attractive discounts for these homes as well. In contrast, older houses attract higher rates of repair and maintenance costs - a cost that's reflected in the price of your homeowner’s insurance premium and leads them to be charged an additional fee. For instance Aurora homes older than 40 and 50 years receive an additional charge of $34 and $50, respectively, on home insurance.
Homeowners in Aurora pay a small additional cost of $21 on their insurance premiums by installing a swimming pool. Installing self-latching and self-closing gates around the pool also benefits your insurance rates and insurance companies provide discounts for the same. Additionally, senior citizens receive discounts on home insurance rates so it is a perk that a household has at least one person over 50 years old living there.Homeowners who don't smoke or live with smokers may be eligible for an additional discount from certain companies too.
Although most of the factors that determine discounts cannot be controlled by homeowners, they can benefit most by choosing deductibles to reduce home insurance rates. Homeowners can avail of attractive discounts by opting for higher deductibles. Aurora homeowners paying a high deductible of $2,500 can avail of a discount of $367.45 on homeowners insurance. Homeowners receive discounts of $307.77 and $206.66, respectively, on deductibles of $2,000 and $1,500.
Homeowners in Aurora who have a claims-free history with their home insurance company can receive discounts on their premiums.Homeowners with prior claims can pay more for factors such as the number and type of claims. By providing a history of zero claim, homeowners save money on their premiums in Aurora by $547.26 or $208.48respectively based on two fire damage incidents or water-damage incidents they have experienced previously.
The average home insurance rate in Aurora, Colorado, ranges between $737 to $998. By comparing quotes from multiple home insurance companies, Aurora homeowners can save as much as $346 on home insurance. To help Aurora homeowners choose the cheapest insurance provider, we have curated a list of the top 5 home insurance companies in Colorado based on market share.
State Farm is the most acclaimed home insurance company in the U.S., occupying a market share of 20.05% in Colorado. The renowned home insurance company has written direct premiums worth $498,710 and has earned direct premiums worth $475,734. State Farm holds a financial strength rating of A++ from A.M. Best for its superior financial capacity in granting potential claims of current Aurora policyholders. It also received a customer satisfaction score of 4/5 from J.D. Power based on the feedback collected from policyholders.
USSA has a market share of 11.25% in Colorado by offering its services exclusively to army veterans and their family members. It has written direct premiums worth $279,860 and earned direct premiums worth $267,672. A.M. Best has awarded it with a financial strength rating of A++ for its superior financial ability in granting potential claims of current Aurora policyholders. It holds a customer satisfaction score of 5/5 based on the feedback collected from policyholders by J.D. Power.
According to the NAIC, Liberty Mutual holds a market share of 10.45% in Colorado. The home insurance company has direct premiums written worth $259,879, and direct premiums earned worth $243,797. A.M. Best rated Liberty Mutual with an A for its excellent ability to grant potential claims of current policyholders. In terms of overall customer satisfaction, Liberty Mutual received a score of 3/5 from J.D. Power.
American Family occupies a market share of 9.66% with total premiums written worth $240,158 and total premiums earned worth $232,461. It has earned a financial strength rating of A from A.M. Best for its excellent financial ability in granting claims of current policyholders. Based on the customer feedback curated by J.D. Power, American Family earned a customer satisfaction score of 3/5.
Allstate is another major player in the home insurance segment, with a market share of 9.47%. The home insurance company has direct premiums written worth $235,486, and direct premiums earned worth $225,891. Allstate has the superior financial ability in granting potential claims of current Aurora policyholders and has been awarded a rating of A+ from A.M. Best. It received a customer satisfaction score of 3/5 from J.D. Power.
In Aurora, CO, homeowners pay an average homeowner’s insurance rate of $884 per annum. According to Vhome’s research, homeowners can save up to $346 on home insurance rates by making use of the discounts provided by home insurance companies.
The average home insurance rate of a home in Aurora varies from $112 to $1,690, depending on the age of the home. Newly constructed homes in Aurora earn a discount of up to $239 on insurance rates. On the other hand, homes older than 50 years attract an additional charge of $42 on insurance rates.
Home insurance companies provide discounts of up to $106 on insurance rates based on home construction type. Aurora homes constructed using fire-resistant materials and superior materials get discounts of $106 and $97, respectively, on their insurance rates. Masonry and brick homes earn a discount of $53, while homes that have a hail resistant roof get a $27 discount.
Senior citizens in Aurora receive discounts of up to $132 on homeowner’s insurance. Homeowners who have multiple policies with the same insurance provider also earn considerable discounts on insurance rates.
The state of Colorado reported a high property crime rate of 31.01 per 1,000 residents in the current year. Aurora’s property crime rate is 30.04 per 1,000 residents, which is on par with that of Colorado. Taking these numbers into consideration, home insurance companies provide substantial discounts to homes equipped with safety features. Aurora homes located close to police stations and fire departments earn discounts of up to $27 and $35, respectively.
Homeowners can also earn discounts on home insurance rates by opting for a high deductible. According to a study done by Vhome, Aurora homeowners can save up to $1,800 for a lock-in period of 8 years by opting for a high deductible of $4,000 in place of $1,000.
|Aurora, CO Home Value||Total Homes||% of Total||Average Aurora, CO Homeowners Insurance|
|Less than $50,000||3,401||4.0%||$112|
|$60,000 to $69,999||951||1.0%||$312|
|$70,000 to $79,999||1,362||1.0%||$355|
|$80,000 to $89,999||1,751||2.0%||$407|
|$90,000 to $99,999||1,868||2.0%||$450|
|$100,000 to $124,999||5,941||8.0%||$528|
|$125,000 to $149,999||8,019||11.0%||$658|
|$150,000 to $174,999||11,009||15.0%||$780|
|$175,000 to $199,999||9,784||14.0%||$901|
|$200,000 to $249,999||13,651||19.0%||$1083|
|$250,000 to $299,999||6,248||8.0%||$1326|
|$300,000 to $399,999||4,915||7.0%||$1690|
|Home Insurance Company Near Aurora, CO||Homeowners Insurance Agency Near Aurora, CO||Address|
|Liberty Mutual||Craig Smith||900 W. Castleton Rd. Suite 118, Castle Rock, CO, 80109|
|Travelers||Ibc Insurance Llc||1580 LOGAN ST STE 510, DENVER, CO, 80202|
|Travelers||Jji Inc||880 BUCHTEL BLVD, DENVER, CO, 80210|
|State Farm||Kevin J Best||1990 59th Ave Ste D, Greeley, CO, 80634-9682|
|Farmers||Steven Hesch||441 Wadsworth Blvd Ste 111, Lakewood, CO, 80226|
|Streets in Aurora Area||Homeowners Insurance Cost|
|S Haleyville St, S Duquesne Way, Perth St, Elmira St, E Jewell Pl, S Mission Pkwy, S Nepal Way, S Ursula St, S Abilene Cir, E Gunnison Dr||$847|
|E Caspian Dr, E Peakview Dr, S Lima Cir, E Atlantic Dr, S Flat Rock St, E Hamilton Dr, S Halifax Ct, Evanston St, S Chester St, S Atchison Cir||$876|
|N Biloxi Way, S Carson Ct, S Argonne Way, S Lansing Way, E David Pl, Valleyhead Way, S Riviera Way, S Malaya Way, S Buchanan Way, E 5th Cir||$926|
|E Milan Dr, Quari St, E Amherst Way, E Idaho Ave, S Scranton Way, E Mansfield Dr, S Emporia Way, Geddes Ave, S Ventura Way, S Kewaunee Way||$943|
|S Rifle Cir, Clinton St, E Radcliff Dr, E Aberdeen Ave, S Kirk Way, S Kittredge Cir, Chester St, S Coolidge St, S Ventura Way, E Bethany Cir||$850|
|E Walker Pl, S Ukraine Ct, S Yost St, N Hayesmount Rd, S Country Club Pkwy, Newark St, S Kingston Ct, S Catawba Ct, E Amherst Ct, E Bethany Dr||$954|
|Langdale Way, E Irish Ave, S Biloxi Way, E Valleyview Ave, S Tower Way, E Hoover Pl, E Eldorado Dr, Nova Cir, S Ursula Way, Hanover St||$934|
|E Severn Pl, S Granby Cir, Rifle St, E Greenwood Cir, S Scranton Way, Jamaica St, S Algonquian Way, S Tucson St, E Bethany Dr, S Langdale Way||$879|
|S Liverpool Cir, E Wyoming Dr, Buchanan Ct, E Mercer Cir, S Valdai St, E Oregon Dr, Hanover St, S Cimarron St, Nevada Cir, Jamaica St||$860|
|S Truckee Ct, E Linvale Ave, E Tennessee Cir, E Virginia Ave, S Malta Ct, Macon St, E Napa Dr, S Oakland Way, S Atchison Ct, E Lehigh Pl||$874|
|Place||Savings For Senior Occupied Homes|
|Aurora||$130 to $132|
|Place||1 Car Bundle Savings On Insurance||2 Car Bundle Savings On Insurance||3 Car Bundle Savings On Insurance|
|Aetna Estates CDP, Colorado||$102||$136||$204|
|South Aurora CCD, Arapahoe County, Colorado||$109||$145||$218|
|Watkins CDP, Colorado||$115||$153||$230|
|Place||Home insurance as a % of housing cost for homes with mortgage||Home insurance as a % of housing cost for homes without mortgage|
|Aurora Home By Monthly Rent||Total Homes||% of Total||Estimated Monthly Income To Afford Rented House Including Renters Insurance|
|$300 to $499||1,091||2.0%||$1255|
|$500 to $749||11,644||24.0%||$1930|
|$750 to $999||15,418||32.0%||$2680|
|$1,000 to $1,499||14,214||29.0%||$3805|
|$1,500 or more||4,999||10.0%||$5455|
|Frame||$500||California Casualty Indemnity Exchange||$1,834|
|Masonry||$500||Depositors Insurance Company||$1,062|
|Masonry||$500||Encompass Indemnity Company||$1,152|
|Masonry||$500||Metropolitan Direct Property And Casualty Insurance Company||$1,972|
|Frame||$500||Praetorian Insurance Company||$1,207|
|Masonry||$500||Qbe Insurance Corporation||$1,086|
|Frame||$500||Secura Supreme Ins Co||$1,538|
|Low Deductible||High Deductible|
|Yearly Aurora Homeowner Insurance Premium Example||$2,200||$1,600|
|Out of Pocket Expense During Claim||$1,000||$4,000|
|Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim||$18,600||$16,800|
|Net Savings to Aurora Home Owner from High Deductible Plan||$1,800|
|Scenario||Aurora, CO Home Replacement Value MORE than Home Value||Aurora, CO Home Replacement Value LESS than Home Value|
|Insurance Premium based on Replacement Value||$800||$550|
|Risk Exposure from Under Insuring Coverage||Unnecessary Home Insurance Coverage of $25,500||Risk Exposure from Under Insuring Coverage is $34,000|
|Premium Impact||Insurance cheaper by $150/year||Insurance costlier by $100/year|
|Insurance Company||Nationwide Insurance||Allstate||Farmers Insurance|
|Home Details||3 Beds, 1 Baths||4 Beds, 1 Baths||2 Beds, 1 Baths|
|Deductible||$500 Deductible||$500- $1000 Deductible||$500- $1000 Deductible|
|Year Built||Home Value||Roof Type||Sqft||Number of Bedrooms||Deductible||Premium||Premium Months||Siding Type||Smoker/Non Smoker|
|1996||150,000||Shingles Roof||1,710||5||$2500-$5000 Deductible||330||8||Stone Siding||No|
|2011||175,000||Metal Roof||1,860||4||$500- $1000 Deductible||760||12||Stone Siding||yes|
|2000||150,000||Membrane Roof||1,390||2||$500 Deductible||70||2||Wood siding||No|
|1998||230,000||Slate Shingles Roof||2,580||4||> $10,000 Deductible||230||6||Fiber-Cement Siding||yes|
|1990||340,000||Metal Roof||3,360||4||> $10,000 Deductible||150||3||Brick siding||yes|
|2003||105,000||Composition Roof||1,270||2||$500- $1000 Deductible||220||6||Stone Siding||yes|
|1996||180,000||Shingles Roof||1,490||3||$500- $1000 Deductible||360||7||Vinyl siding||No|
|1998||410,000||Shingles Roof||3,890||5||> $10,000 Deductible||1010||10||Stucco siding||yes|
|1997||360,000||Asphalt Shingles Roof||3,320||4||$2500-$5000 Deductible||230||2||Vinyl siding||No|
|1989||240,000||Shingles Roof||2,470||4||$500- $1000 Deductible||1110||9||Stucco siding||No|
|1995||180,000||Asphalt Shingles Roof||2,080||4||$500 Deductible||310||4||Wood siding||No|
|1987||170,000||Membrane Roof||1,780||3||$2500-$5000 Deductible||500||10||Vinyl siding||yes|
|1996||255,000||Wood Shake Roof||2,660||4||$500 Deductible||300||4||Stucco siding||No|
|2010||340,000||Asphalt Shingles Roof||2,990||4||> $10,000 Deductible||580||8||Stone Siding||yes|
|1980||425,000||Metal Roof||4,510||5||> $10,000 Deductible||550||7||Wood siding||No|
|1988||305,000||Composition Roof||3,230||4||$2500-$5000 Deductible||270||3||Vinyl siding||No|
|1997||145,000||Asphalt Shingles Roof||1,400||2||$500- $1000 Deductible||630||10||Brick siding||No|
|1988||100,000||Shingles Roof||990||2||$1000-$2500 Deductible||150||5||Fiber-Cement Siding||yes|
|1995||210,000||Membrane Roof||2,040||3||$500 Deductible||520||6||Brick siding||yes|
|2012||195,000||Wood Shake Roof||1,600||2||$2500-$5000 Deductible||590||9||Wood siding||No|
|1983||440,000||Membrane Roof||4,260||5||> $10,000 Deductible||820||8||Brick siding||No|
|1984||255,000||Slate Shingles Roof||2,720||4||$500 Deductible||1100||10||Wood siding||No|
|2011||200,000||Asphalt Shingles Roof||1,770||4||> $10,000 Deductible||90||2||Stucco siding||No|
|2012||130,000||Slate Shingles Roof||1,570||2||$2500-$5000 Deductible||80||2||Stone Siding||yes|
|1997||235,000||Membrane Roof||2,240||3||$500- $1000 Deductible||740||6||Wood siding||yes|
|2011||175,000||Shingles Roof||1,760||2||$2500-$5000 Deductible||150||4||Stone Siding||yes|
|1993||175,000||Composition Roof||1,780||3||$500 Deductible||490||8||Stone Siding||yes|
|1999||240,000||Slate Shingles Roof||2,600||5||$500- $1000 Deductible||240||3||Wood siding||yes|
|1981||180,000||Slate Shingles Roof||1,790||2||$500 Deductible||620||10||Fiber-Cement Siding||No|
|1992||125,000||Asphalt Shingles Roof||1,100||2||$500 Deductible||110||2||Stone Siding||yes|
|1976||125,000||Asphalt Shingles Roof||886||1||$500- $1000 Deductible||200||4||Brick siding||No|