Aurora ,CO Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Aurora, CO homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Aurora, CO is $1975. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Aurora, CO. VHome Insurance will help you navigate the world of homeowners insurance coverages in Aurora, CO.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $790 |
| $200,000 | $1,343 |
| $300,000 | $1,659 |
| $400,000 | $2,528 |
| $500,000 | $3,180 |
Home insurance costs in Aurora can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.
| Zipcode | Average Insurance Premium |
|---|---|
| 080016 | $2,793 |
| 80018 | $2,686 |
| 80015 | $2,684 |
| 80013 | $2,634 |
| 80014 | $2,611 |
| 80012 | $2,605 |
| 80017 | $2,606 |
| 80019 | $2,627 |
| 80010 | $2,606 |
| 80011 | $2,591 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Aurora, CO, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $2,025 |
| $1000 Deductible | $1,811 |
| $1500 Deductible | $1,708 |
| $2500 Deductible | $1,541 |
| $5000 Deductible | $1,304 |
| 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 |
| 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, CO | 4.8% | 17.6% |
| Aetna Estates | 13.91% | 11.76% |
| South Aurora | 4.52% | 16.86% |
| North Aurora | 5.48% | 17.3% |
| 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 |
| 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 |
| Aetna Estates | $122 |
| South Aurora | $131 |
| Watkins | $138 |
| Structure Type | Deductible | Company | Premium |
|---|---|---|---|
| Frame | $500 | Anpac | $2,342 |
| 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 | |
|---|---|---|
| Deductible | $1,000 | $4,000 |
| 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 |
|---|---|---|
| Replacement Value | $176,500 | $117,000 |
| 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 |
| Monthly Premium | 78 | 118 | 50 |
| Year Built | 2000 | 1990 | 2014 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 1 Baths | 2 Beds, 1 Baths |
| Coverage Amount | $200000-$250000 | $250000-$300000 | $125000-$150000 |
| Deductible | $500 Deductible | $500- $1000 Deductible | $500- $1000 Deductible |