Boulder Insurance Rates:

Boulder, CO homeowners insurance is about $816 to $1,107, about $68-$92/month. Our complete analysis shows customers can save upto $384 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Latest Home Insurance Reviews

Farmer's Insurance
I wish there were more agencies available to visit in person. other than that, everything is fine, and i am completely satisfied.
Nationwide
In my case, the coverage they offer in case of fire is less. it makes me nervous that if we ever have a large fire we will lose everything and not be able to recover the way we should.
State Farm
One thing i really enjoy about state farm is the fact that the agents are all local people in the community.
State Farm
I like the fact that they are very responsive whether I call with a claim, questions on billing or alterations of our policy. And it isn't just when I wanted to add umbrella insurance but had questions on the changes to the insurance policy or letters about changes in their corporate policy.
Usaa
I wish there were different level options of insurance than just the 2 they offered me. the options need to be extended.
Amica Mutual Insurance
Only called them once in 8 years so a one-off is not much of a survey but it was fine
State Farm
We have all our insurance products through State Farm and have been with the company for over 25 years. We wonder about the prices, but it has been reliable for us. We can meet personally with the agent who has his office in our area.
Liberty Mutual
I wish they wouldn't dock you when you do file claims. After our second claim, our premium did go up.
California Casualty
I like how my home insurance company is friendly and personal when I arrive to speak in person. They are always very kind and respectful of me, and they take their time explaining things, which I value.
American Family
There isn't anything that I don't like. It is actually very easy to use. And I can always find what I need
Usaa
It’s really easy to navigate and I can also find and print off my auto insurance cards right from my phone. I can also get information like my policy number, vehicle data for all vehicles covered as well as get quotes for additional vehicles.
Usaa
I like USAA because it supports veterans, it has a lot of options, it seems more personable and it gives discounts for the more products you use them. I have used them for years for banking, mortgages, insurance, and credit and I have never had a bad time with them.
Progressive
The coverage could be cheaper. I mean this would be a dislike for every insurance company, any of them could be cheaper.
Usaa
Overall, I have nothing to complain about USAA's home insurance services. If I ever do make a claim, I am confident they will do the best they can to help me recover the loss.
Progressive
I like that it's a well known company. I like how they have bundles for things, and have an app that seems to work really well. When I have needed to get documents for insurance verification it has been really fast and easy.
American Family
I do wish we could be provided with a few highlights about what our policy covers, almost like a quick reference guide.
American Family
There really is truly nothing that I dislike about the company. I do wish the premiums were less, but again, I think they are average for my area and I do get a discount because I also have them for my car insurance.
State Farm
There isn't anything I would change about State Farm. I have been with them my entire adult life and will continue to stay with them. Their rates could be a bit lower, but if that meant sacrificing the quality of service I get, I am willing to pay the premiums I do.
Geico
bundled and saved a bit of money, mostly like them because never had to use them. Usually insurance companies are fine until you file a claim.

Boulder, CO Homeowners Insurance By Home Value

Boulder, CO Home Value Total Homes % of Total Average Boulder, CO Homeowners Insurance
Less than $50,000 1,373 13.0% $48
$50,000 to $59,999 115 1.0% $96
$100,000 to $124,999 376 3.0% $221
$125,000 to $149,999 279 2.0% $269
$150,000 to $174,999 841 8.0% $317
$175,000 to $199,999 356 3.0% $374
$200,000 to $249,999 1,284 12.0% $451
$250,000 to $299,999 1,407 13.0% $547
$300,000 to $399,999 3,862 38.0% $701

Top Home Insurance Agents Near Boulder, CO

Home Insurance Company Near Boulder, CO Homeowners Insurance Agency Near Boulder, CO Address
NA Insurance Design & Placement, Inc. 3401 Quebec St Ste 8200, Denver, CO, 80207
Allstate Erika Lousberg 3450 Penrose Pl Ste 110, Boulder, CO, 80301
Travelers Front Range Insurance Group Llc 1100 HAXTON DR STE 100, FT COLLINS, CO, 80525
Allstate James S. Muniz 950 Wadsworth Blvd Ste 313, Lakewood, CO, 80214
Farmers Lisa Moss 6800 Broadwaynit 104, Denver, CO, 80221

Cost Of Homeowners Insurance By Street Near Boulder, CO

Streets in Boulder Area Homeowners Insurance Cost
Westview Dr, Tantra Dr, 8th St, Case Cir, Kewanee Dr, Valmont Rd, Bear Mountain Ct, Cedarwood Cir, Cherryvale Rd, Sun Dial Pl$934
Dellwood Ave, Dellwood Ave, Toedtli Dr, Baldwin Cir, Co Rd 67, Fox Ln, Silver Sage Ct, Bixby Ln, Bugle Ct, Sky Lark Way$958
Primrose Rd, W Coal Creek Dr, 48th Ct, Ithaca Dr, Kincaid Pl, Greenbriar Blvd, Grant Pl, E Weldona Way, Regent Dr, Cayman Pl$904
Balsam Ave, Rollins Dr, Macky Way, Alpine Ave, Merritt Dr, Blackhawk Rd, Maple Ct, Idylwild Trl, Bates St, Co Hwy 43$902
Crestmoor Dr, Vassar Dr, Innovation Dr, Lipan Way, Links Dr, S 40th St, Rosewood St, Ithaca Dr, Rockview Dr, Winchester Cir$1,013
Tamarack Ave, Chisholm Trl, Sherwood Cir, S Bldr Fthls Ditch, Bradley Dr, Crystal Ct, Centennial Trl, Kiowa Pl, Habitat Dr, Zamia Ave$993
Aikins Cir, Riverside Ave, Burr Pl, Oakdale Pl, Athens St, Cypress Dr, 8th St, Mount View Rd, W Dyer Rd, Berwick Ct$1,039
Mustique Ct, Minshal Rd, Darley Ave, S Vale Rd, Emerald Rd, Park Cir, Kenosha Rd, Dover Dr, Harrison Ct, Hogan Ct$1,002
Kent St, Ouray St, White Rock Cir, S Cherryvale Rd, St Lucia St, Mead Dr, Clematis Dr, Chatham Way, Dessert Pine Ct, S 42nd St$993
Morrison Ct, Chestnut Ln, Old Brompton Rd, Juneau Rd, Sandpiper Cir, Park Lake Dr, Tanglewood Ct, Coventry Ct, Hanover Ave, Fairview Dr$958

Boulder, CO Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Boulder$143 to $146
Valmont$168
Pine Brook Hill$152
Eldorado Springs$147

Boulder, CO Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Valmont CDP, Colorado $141 $187 $281
Paragon Estates CDP, Colorado $141 $187 $281
Pine Brook Hill CDP, Colorado $127 $169 $253

Boulder, CO Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Boulder, CO3.8%14.7%
Paragon Estates2.35%15.64%
Pine Brook Hill2.95%13.16%
Eldorado Springs5.62%16.96%

Boulder Renters Insurance as a Percentage of Rent

Boulder Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 296 1.0% $763
$300 to $499 386 1.0% $1213
$500 to $749 1,850 8.0% $1888
$750 to $999 5,971 26.0% $2638
$1,000 to $1,499 7,353 33.0% $3763
$1,500 or more 6,155 27.0% $5413

Average Cost Of Home Insurance By Company In Areas Nearby Boulder For Different Scenarios

Structure Type Deductible Company Premium
Frame $500 360 Insurance Company $1,119
Masonry $500 Economy Premier Assurance Company $2,100
Frame $500 Encompass Indemnity Company $1,513
Frame $500 Foremost Insurance Company Grand Rapids, Michigan $1,895
Frame $500 Pharmacists Mutual Insurance Company $939
Frame $500 Shelter Mutual Insurance Company $1,846
Masonry $500 Trumbull Insurance Company $1,756
Frame $500 United Services Automobile Association $1,633
Masonry $500 United Services Automobile Association $1,511
Frame $500 Unitrin Auto And Home Insurance Company $1,426

Boulder, CO Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,200$4,200
Yearly Boulder Homeowner Insurance Premium Example $3,600$3,000
Out of Pocket Expense During Claim$1,200$4,200
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $26,400$25,200
Net Savings to Boulder Home Owner from High Deductible Plan $1,200

Boulder, CO Home Insurance Costs With Home Replacement Value Scenarios

Scenario Boulder, CO Home Replacement Value MORE than Home Value Boulder, CO Home Replacement Value LESS than Home Value
Replacement Value $434,500 $262,000
Insurance Premium based on Replacement Value $1,950 $1,175
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $97,000 Risk Exposure from Under Insuring Coverage is $75,500
Premium Impact Insurance cheaper by $325/year Insurance costlier by $450/year

Example Boulder Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceAllstateAmerican Family Insurance
Monthly Premium 188135175
Year Built 198119752005
Home Details 3 Beds, 1 Baths2 Beds, 1 Baths5 Beds, 4 Baths
Coverage Amount $500000-$600000$400000-$500000$500000-$600000
Deductible $2500-$5000 Deductible$500- $1000 Deductible$5000 to $10,000 Deductible

Sample Home Insurance Rates for Boulder, CO from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1988 250,000 Shingles Roof 1,130 2 $500- $1000 Deductible 530 7 Brick siding No
1980 200,000 Wood Shake Roof 1,030 2 > $10,000 Deductible 70 2 Brick siding yes
1976 435,000 Metal Roof 1,610 4 $2500-$5000 Deductible 760 7 Stucco siding yes
1988 620,000 Metal Roof 2,790 4 $500- $1000 Deductible 940 4 Stone Siding No
1995 355,000 Shingles Roof 1,580 3 $5000 to $10,000 Deductible 1170 10 Stucco siding No
1999 430,000 Metal Roof 1,650 2 $500- $1000 Deductible 1240 6 Brick siding yes
2001 1,215,000 Wood Shake Roof 4,400 5 > $10,000 Deductible 230 1 Brick siding yes
2002 800,000 Membrane Roof 3,790 5 $2500-$5000 Deductible 2430 10 Brick siding yes
1988 525,000 Tile Roof 2,110 4 $5000 to $10,000 Deductible 370 2 Fiber-Cement Siding yes
1981 285,000 Tile Roof 1,220 3 $500 Deductible 950 9 Brick siding yes
2007 740,000 Wood Shake Roof 3,050 5 $2500-$5000 Deductible 2050 9 Wood siding No
1991 670,000 Composition Roof 2,910 4 $2500-$5000 Deductible 1490 10 Fiber-Cement Siding yes
2006 625,000 Asphalt Shingles Roof 2,970 4 > $10,000 Deductible 450 3 Fiber-Cement Siding No
1981 465,000 Wood Shake Roof 1,870 3 $1000-$2500 Deductible 880 6 Vinyl siding No
2005 365,000 Metal Roof 1,600 4 > $10,000 Deductible 620 9 Wood siding No
2006 1,145,000 Metal Roof 4,760 5 $500- $1000 Deductible 1230 4 Vinyl siding yes
1996 330,000 Asphalt Shingles Roof 1,630 2 $5000 to $10,000 Deductible 60 1 Fiber-Cement Siding No
1980 225,000 Wood Shake Roof 1,130 2 $500- $1000 Deductible 300 3 Wood siding No
1984 375,000 Membrane Roof 1,430 3 $500 Deductible 1410 9 Stone Siding yes
1974 420,000 Asphalt Shingles Roof 1,630 3 $500 Deductible 1290 8 Vinyl siding yes
1972 395,000 Wood Shake Roof 2,010 3 $500- $1000 Deductible 530 3 Vinyl siding yes
2001 380,000 Metal Roof 1,450 2 $500- $1000 Deductible 860 6 Vinyl siding No
1997 865,000 Shingles Roof 3,510 5 $1000-$2500 Deductible 240 1 Stucco siding yes
1986 510,000 Asphalt Shingles Roof 2,183 3 $500 Deductible 1410 8 Vinyl siding yes