Castle Rock Insurance Rates:

Castle Rock, CO homeowners insurance is about $762 to $1,034, about $63-$86/month. Our detailed research shows customers can save upto $358 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Best Homeowners Insurance in Castle Rock, CO

Homeowners in Castle Rock pay an average of $1644 for home insurance. However, the cost of your policy will vary based on a number of factors including coverage type and deductible amount as well as age of property or materials used to build it.Below is the summary of average home insurance costs available to Castle Rock Homeowners based on the deductible and other variables.


Homeowners are given discounts when they opt for higher deductibles which translates into cheaper monthly payments and affordable premiums over time. A high deductible policy is an easy way to benefit more while saving money. Castle Rock homeowners paying a high deductible of $2500 can avail of home insurance for $1180.Homeowners receive insurance for $1256 and $1383, respectively, on deductibles $2000 and $1500.

The average cost of house insurance is directly proportional to the age of the home. Newly constructed Castle Rock, CO homes can avail lower insurance of $589 since newly built homes have a lesser threat of damage. As a result, home insurance companies offer substantial discounts to newly constructed homes. An older housing means higher rates since houses are more prone to damage and as a result, those with homes over 40 or 50 years old have to pay an average of $1687-$1706 per year on their premiums.

Construction type is an important factor in the cost of homeowners insurance. The more resistant your house to damage, the less expensive homeowners insurance will be for you. For instance, if a person lives in Castle Rock and has fire-resistant construction on their roof they can benefit from average rates at $1414 per year.Insurance companies in Castle Rock offer home insurance for $1562 for homes built with Masonry and Brick. Homes constructed with superior and hail resistant roofs attract a higher amount $1496 and $1611 respectively.

Apart from all these factors, homeowners can avail cheap home insurance costs from insurance companies based on the security features and senior citizens residing in the households. Senior occupied houses in Castle Rock can also avail discounts on home insurance.

Castle Rock, CO Homeowners Insurance By Home Value

Castle Rock, CO Home Value Total Homes % of Total Average Castle Rock, CO Homeowners Insurance
Less than $50,000 223 2.0% $80
$100,000 to $124,999 107 1.0% $349
$125,000 to $149,999 404 3.0% $439
$150,000 to $174,999 748 7.0% $520
$175,000 to $199,999 1,020 9.0% $600
$200,000 to $249,999 2,687 26.0% $726
$250,000 to $299,999 2,178 21.0% $888
$300,000 to $399,999 2,842 27.0% $1130

Top Home Insurance Agents Near Castle Rock, CO

Home Insurance Company Near Castle Rock, CO Homeowners Insurance Agency Near Castle Rock, CO Address
NA Avanti Business & Insurance Services 1204 Washington Avenue 1204 Washington Avenue, Golden, CO, 80401
NA A'Hern Agency 1970 Kipling St , Denver, CO, 80215
Travelers Aai - Brad Garrett 2727 W 92ND AVE STE 104, FEDERAL HEIGHTS, CO, 80260
Liberty Mutual Independent Lautenbach Ins Agency Llc 5721 S NEVADA ST, LITTLETON, CO, 80120
State Farm Rick Simmons 14571 E Mississippi Ave, Aurora, CO, 80012-4682

Castle Rock, CO Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Castle Rock, CO

Streets in Castle Rock Area Homeowners Insurance Cost
Ember Pl, Oak Vista Ln, Castle Butte Dr, Bobolink Dr, W Parkridge Rd, Spr Cross Trl, S Quandry Peak Dr, Calhoun Cir, Owl Roost Ct, Distant View Pl$970
Fawn Ridge Way, Fallon Cir, W Dawson Rd, E Douglas Ln, Mountain Shadows Ln, Newport Cir, E Crestone Ave, E Essex Ave, Big Bear Cir, Miller Blvd$905
Coker Ave, Fell Mist Way, E Tabor Dr, Horse Creek St, Trailside Dr, Ginger Ct, Wolcott St, Arezzo Cir, N Motsenbocker Rd, Red Hill Rd$928
Burnt Oak Dr, Clematis Dr, Nuthatch Way, June Ct, Dolomite Ln, E Daley Cir, Rim View Pl, E Posse Rd, N Hillary Cir, Tailfeather Way$944
Independence Dr, San Miguel Ct, Sanborne St, Shadow Mountain Ranch Rd, Lemon Grass Pl, Douglas Ln, Cedar Ct, Caprice Dr, Tribute Pl, Bulrush Ct$910
Springbriar Dr, Wild Timber Ct, Second St, Copper Cloud Dr, Yarnell Dr, Beautiful Cir, Starry Night Loop, Castlegate Dr N, Arches Pl, Meyers Ct$901
Lemon Gulch Rd, Antelope Pl, E Caley Ln, Sand Lily Ln, Blacktail Ct, I- 25, Johnson Ct, Front St, Greystone Ln, Ebony Dr$895
Stone Crop Ct, Eaton Cir, 2nd St, Allen Way, Woodbourne Ter, Happy Canyon Rd, Timber Hollow Loop, Cherry Creek Dr, Lake Dr, Mining Camp Trl$893
Rawhide Cir, Mountain Vista Ln, Lemon Gulch Dr, N Bayou Hills Rd, N Wildflowers Way, Lemon Gulch Way, Poncho Cir, Kendrick Ct, Streambed Trl, Stoneham Ave$904
W Arrowleaf Ct, Grand Valley Ct, Orion Way, Ellsworth Ct, Sawdust Loop, Champagne Ave, Espera Ln, Voorhees Ranch Way, Bristol St, N Delbert Rd$908

Castle Rock, CO Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Castle Rock$134 to $137
Castle Pines Village$164
Douglas County$137

Castle Rock, 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
Castle Pines Village CDP, Colorado $137 $182 $273
Douglas County, Colorado $115 $153 $229
Parker CCD, Douglas County, Colorado $114 $151 $227

Castle Rock, 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
Castle Rock, CO3.6%15.4%
Castle Pines Village2.28%9.11%
Douglas County3.51%13.63%

Castle Rock Renters Insurance as a Percentage of Rent

Castle Rock Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 47 1.0% $1241
$500 to $749 416 10.0% $1916
$750 to $999 1,298 31.0% $2666
$1,000 to $1,499 1,306 32.0% $3791
$1,500 or more 965 23.0% $5441

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

Structure Type Deductible Company Premium
Frame $500 Foremost Insurance Company Grand Rapids, Michigan $2,275
Masonry $500 Liberty Insurance Corporation $1,620
Masonry $500 National Farmers Union Prop & Cas $1,687
Frame $500 Nationwide Affinity Insurance Company Of America $1,134
Masonry $500 Nationwide Insurance Company Of America $1,162
Masonry $500 Standard Guaranty Insurance Company $1,814
Masonry $500 The Travelers Home And Marine Insurance Company $1,497
Frame $500 Usaa Casualty Insurance Company $1,592
Frame $500 United Fire & Cas Co $1,239

Castle Rock, CO Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Castle Rock Homeowner Insurance Premium Example $1,900$1,400
Out of Pocket Expense During Claim$500$3,500
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $15,700$14,700
Net Savings to Castle Rock Home Owner from High Deductible Plan $1,000

Castle Rock, CO Home Insurance Costs With Home Replacement Value Scenarios

Scenario Castle Rock, CO Home Replacement Value MORE than Home Value Castle Rock, CO Home Replacement Value LESS than Home Value
Replacement Value $351,000 $259,500
Insurance Premium based on Replacement Value $1,575 $1,175
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $45,500 Risk Exposure from Under Insuring Coverage is $46,000
Premium Impact Insurance cheaper by $200/year Insurance costlier by $200/year

Example Castle Rock Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceAllstateState Farm
Monthly Premium 7164121
Year Built 200319992013
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 3 Baths
Coverage Amount $175000-$200000$350000-$400000$250000-$300000
Deductible $2500-$5000 Deductible> $10,000 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2013 255,000 Composition Roof 1,660 3 $1000-$2500 Deductible 1270 12 Stucco siding yes
2010 235,000 Tile Roof 1,540 3 $5000 to $10,000 Deductible 140 3 Brick siding No
2007 730,000 Metal Roof 4,490 5 $5000 to $10,000 Deductible 1090 7 Fiber-Cement Siding No
1994 290,000 Composition Roof 1,860 4 $500- $1000 Deductible 500 5 Stucco siding yes
2010 215,000 Shingles Roof 1,780 5 > $10,000 Deductible 480 10 Brick siding yes
2010 440,000 Membrane Roof 3,040 4 $500- $1000 Deductible 960 6 Wood siding yes
2001 285,000 Shingles Roof 1,950 4 $500- $1000 Deductible 730 7 Wood siding No
2014 540,000 Wood Shake Roof 3,400 4 > $10,000 Deductible 640 6 Fiber-Cement Siding No
2008 335,000 Slate Shingles Roof 2,420 5 $5000 to $10,000 Deductible 1130 9 Brick siding yes
2012 375,000 Tile Roof 2,390 5 $5000 to $10,000 Deductible 670 7 Fiber-Cement Siding No
2002 165,000 Metal Roof 1,320 3 $500- $1000 Deductible 850 12 Stone Siding yes
2011 270,000 Membrane Roof 2,110 3 $2500-$5000 Deductible 1020 12 Fiber-Cement Siding yes
2014 755,000 Membrane Roof 4,850 5 $1000-$2500 Deductible 1370 5 Brick siding yes
2011 215,000 Membrane Roof 1,370 3 > $10,000 Deductible 200 4 Vinyl siding No
1997 545,000 Metal Roof 3,560 5 > $10,000 Deductible 160 2 Fiber-Cement Siding yes
2011 305,000 Membrane Roof 2,130 3 > $10,000 Deductible 60 1 Fiber-Cement Siding No
2006 265,000 Slate Shingles Roof 1,820 3 $500 Deductible 720 9 Stucco siding No
2014 280,000 Tile Roof 1,710 5 $5000 to $10,000 Deductible 260 5 Brick siding No
2004 275,000 Metal Roof 1,660 3 $500 Deductible 950 7 Brick siding yes
1998 170,000 Metal Roof 1,350 3 $1000-$2500 Deductible 120 2 Vinyl siding yes
2010 590,000 Metal Roof 3,820 5 $500 Deductible 840 3 Wood siding yes
2014 245,000 Composition Roof 2,050 3 $5000 to $10,000 Deductible 400 5 Brick siding No
2009 185,000 Shingles Roof 1,310 3 $2500-$5000 Deductible 380 9 Brick siding No
2010 705,000 Metal Roof 4,560 5 $5000 to $10,000 Deductible 760 3 Wood siding No
2004 390,000 Composition Roof 2,300 3 $2500-$5000 Deductible 260 3 Stone Siding No
2013 280,000 Shingles Roof 2,270 3 $5000 to $10,000 Deductible 190 3 Fiber-Cement Siding No
1995 465,000 Asphalt Shingles Roof 2,740 4 $1000-$2500 Deductible 1500 9 Fiber-Cement Siding No
1995 310,000 Shingles Roof 2,000 4 $500 Deductible 1410 9 Fiber-Cement Siding yes
2003 280,000 Shingles Roof 1,780 3 $500 Deductible 220 2 Vinyl siding No
2011 280,000 Asphalt Shingles Roof 2,130 3 > $10,000 Deductible 680 9 Wood siding No
1993 480,000 Asphalt Shingles Roof 2,830 5 $500 Deductible 1120 6 Vinyl siding No
2006 340,000 Slate Shingles Roof 2,060 3 $500- $1000 Deductible 500 4 Stone Siding No
2013 245,000 Metal Roof 1,690 5 $500- $1000 Deductible 620 6 Stone Siding yes

Latest Home Insurance Reviews

I would have to recommend Allstate because the agent i work with is very responsive. He answers emails and always call you back. The Allstate website is also very useful.
State Farm
I would recommend State Farm. I think they are an ideal home insurance company for someone in their mid-20s with a first home they purchased, as long as that person has a good credit score.
I would rate Progressive Insurance a 5 for home insurance coverage. They offer great, competitive coverage for the homes in our area compared to other companies at an acceptable price.
They let your rental insurance apply towards a storage unit which is super convenient for when you're moving or transitioning between residences.
I would recommend based on the ease of working with their customer service representatives as well as price and value.
State Farm
The premiums are about the average cost but the deductible is a little high for my likings.
The people are always nice and available, and I can understand them and they can understand me. They don't try to upset me on anything. I like that a lot.
Liberty Mutual
I would recommend Liberty Mutual. Their costs are competitive with all the other major names out there. Also their customer service seems to be good. the one time I needed to contact them, they were very kind and went out of their way to help me out.
It was bad because we called them to fix our roof after a storm and it took them several weeks to arrive for the quote. Then, they disputed with us about the amount of money they were willing to give us.
It is one of the best company to cover the policies and to be there for giving the loan amount at any time if we needed. It is having a best coverage policy.
Compared to my last insurance company, Progressive offered me a much more reasonable deductible and premium. It was well worth switching insurance companies.
I have had a wonderful experience with the company all around, and would highly recommend them to anyone looking for any type of insurance. They are very understanding and actually listen to all of your needs.
i would rate them a 4. had only one issue with the insurance on shed in backyard in that the coverage had to b $25k, which is silly for a shed in a backyard.
they always good to me and taking care of my premium
State Farm
I have been using them for my home insurance for over a decade. one thing i like about them is they have many local branches. they are easy to get to or even drop by the office if you need to. another thing i like about them is they are responsive to any claims or questions you may have if you call the office. the big network they have makes getting in touch with someone easy.
One point i do not like about allstate is how when i call them i do not talk to a human on the phone. when i call all state, i always talk to a machine, and this can be annoying and frustrating at times. sometimes i would just prefer to talk to a human.
State Farm
We are getting a pretty good deal on our premiums. Not many other insurance companies would allow so much coverage for such a cheap price.
I like that they haven't let me down. Always helpful no matter who I talk to, whether it is a local agent or someone on the phone.
State Farm
It is quick and easy to find previous invoices, cards and policy information - two clicks from the main screen max.
State Farm
State Farm has been good to me. I really have no complaints. My Car insurance recently went up but that would happen with any company. They are very nice and professional.
It might be too expensive but this is my first home so I don't know what's acceptable.
The website/app stresses using their online messaging service rather than a phone call. It is difficult to locate a phone number to contact an agent.
I recommend them for any insurance. They have the easiest to deal with customer service of just about any company I can't think of. Also, they are as good or better on price than just about anyone.
I would recommend Allstate because they have been very easy to do business with. I went through an insurance agent and she evaluated my situation and recommended Allstate.
Liberty Mutual
The policy offerings are typical of a large carrier. We have coverage for the dwelling, contents, and liability coverage.
American Family Insurance
We pay a bit more for our insurance than we would at other companies. However, on the rare occassion that we had to make a claim, they were always friendly.

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