Fort Collins Insurance Rates:

Fort Collins, CO homeowners insurance is about $754 to $1,019, about $62-$84/month. Our thorough research reveals consumers can save as much as $354 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Overall, I would recommend this company based on their offerings and their service.
State Farm
State farm quoted me the cheapest price for home insurance and I was able to negotiate the price to an even better deal. They were extremely helpful and patient with me.
Liberty Mutual
I actually recommend Liberty Mutual to everyone who is in the market for homeowner's insurance plans.I am completely satisfied with them because they are easy to work with.I am extremely pleased.
State Farm
State Farm was so helpful and so fast getting our claim through to fix our house from flood damage. I would give them a 5 they are amazing.
I would always like to pay less and I get emails, likely spam, which say I pay too much. I used to have another provider which cost me more for similar coverage, but I did get a discount from bundling with auto insurance.
In this case, he offered me very important and very good policies of different ranks and adjusted to our own scope, I found everything satisfactory well.
I like the ease of accessing their claims department and that they have local claims offices near me that will save time in filing a claim.
The contractor i chose from their recommendation was 3 weeks late after the demolition phase, and usaa didn't really do anything to punish them for being so late, nor was any kind of compensation discussed for the inconvenience of my basement being torn up and unusable for an extra 3 weeks. i felt like my complaints fell on deaf ears.
State Farm
If we need to process a claim, we can do that online. i don't have to schedule time with an agent at a physical location. the only time i speak to our agent is if i have to give them details about a new car or address change.
American Strategic Insurance
There is nothing that I dislike about my homeowners insurance policy. So far, so good. They come recommended by my insurance broker.
American Family
I do not like that it takes three to four people on the phone before you get the person who knows what they're doing and how to fix your problem.
All interactions I have ever had with USAA have always been pleasant. As a service member, they understand my unique situation and are extremely helpful. No complaints.
Amica Mutual Insurance
I like that I can check on the status of a claim if I ever make one. It also makes it easy to change and review coverage.
I would give them a 4. We've had to only use them once, to get a new roof after a really bad hail storm. But they were easy to work with and prompt in their attention to the matter. They provide a good product and their customer service was very helpful.
American Family
The customer service is terrible, whenever I call with a question I have to go through several people and several minutes before I can get an answer. Then they talk like I'm disturbing them, that's the worst part of the entire company is the customer service.
California Casualty
I was recommended one other company which I turned down because California Casualty had the better price for me.
I approve of the premium because I feel like it's reasonable for my house.
I can't say that I really dislike anything because they cover everything that I need them to, and their customer service has been excellent thus far.
I like that they are nice and willing to help everyone. They explain everything you need to know that way you're not confused and understand it all. They do what needs to be done
Well, I guess I wish it were cheaper? Just because I am basically getting nothing out of it right now. I know that insurance companies wouldn't exist if they weren't profitable though.
I would recommend my company because you cant get more coverage, better service, or people who care more about you anywhere in the industry
I would certainly recommend USAA to anyone I know, but I would also encourage them to explore and research other companies because there might just be better deals out there.
I have been with USAA for over 7 years now. They are very efficient if you need to process a claim and they are helpful if you have any questions.
Though I've never actually had to deal with them for home insurance claims, USAA has been very handy for everything else I've ever done with them, especially car insurance claims.
I cannot rate this anything but neutral. I am a homeowner for 10+ years, but we have had AllState this entire time. I do not have an experience to compare their service with.
State Farm
I enjoy the people that I have interacted with and they make me feel welcome. I also feel like I am getting a good deal and I am not being taken advantage of.
I like how helpful they are in explaining everything clearly, as insurance can sometimes be a very confusing concept for some people. They always walk me through the process whenever I have a claim to file and the website interface is very neat and clean
American Family
I like the great rates and customer service provided. I feel like a valued customer, which is important to me.

Fort Collins, CO Homeowners Insurance By Home Value

Fort Collins, CO Home Value Total Homes % of Total Average Fort Collins, CO Homeowners Insurance
Less than $50,000 2,098 6.0% $88
$100,000 to $124,999 732 2.0% $399
$125,000 to $149,999 1,357 4.0% $505
$150,000 to $174,999 2,577 8.0% $594
$175,000 to $199,999 3,664 11.0% $682
$200,000 to $249,999 8,407 27.0% $824
$250,000 to $299,999 5,621 18.0% $1011
$300,000 to $399,999 5,801 18.0% $1286

Top Home Insurance Agents Near Fort Collins, CO

Home Insurance Company Near Fort Collins, CO Homeowners Insurance Agency Near Fort Collins, CO Address
State Farm Barry B Bailey 902 W Drake Rd Unit 5, Fort Collins, CO, 80526-5561
Allstate Charlene Doguet 8010 S County Road 5 Unit 102, Fort Collins, CO, 80528
State Farm Chuck Vigil 9191 Sheridan Blvd Ste 200, Westminster, CO, 80031-3020
Allstate Juanita K. Martin 10138 Wadsworth Pkwy Ste F100, Westminster, CO, 80021
State Farm Patrick Smith 2400 28th St Ste 200, Boulder, CO, 80301-1241

Fort Collins, CO Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Fort Collins, CO

Streets in Fort Collins Area Homeowners Insurance Cost
West Dr, Lyons St, Frontage Rd, Bueno Dr, Rue Ranch Rd, Haralson Ct, W A St, Redburn Dr, Bordeaux Dr, W Co Rd 38E$864
Kenwood Dr, Clyde St, Durango Pl, Minor Rd, Table Mountain Pl, Larkbunting Dr, Hickory St, Surrey Ln, Swallow Bend, Saffron Ct$880
Burlington Ct, Charrington Ct, Fruited Plains Ln, Svc Rd 1, Eric St, Teakwood Dr, Arizona, Maplewood Rd, Wolf Creek Ct, Delozier Dr$818
del Clair Rd, Lancer Dr, Pole Pine Ln, Outrigger Way, Covington Ct, Mesa Verde St, Mc Hugh St, Bonita Ave, Big Dipper Dr, Alford St$887
S Howes St, Star Gazer Ct, E Plum St, Rose Ct, N Sunset St, Flag Dr, Rochdale Dr, Constitution Ave, Eagle Lake Dr, Hutchinson Dr$891
Sternwheeler Dr, Pine Dr, N College Ave, Alpaca Trl, Fall River Dr, Arctic Fox Dr, Mill Stone Way, Landings Dr, Shamrock St, Phantom Creek Ct$909
Hawkins St, Gifford Ct, Midway Dr, Dixon Canyon Rd, Deer Trail Ct, Buntwing Ln, Dusty Sage Dr, Lowe St, Alamo Ave, Linden Meier Ct$935
Northern Lights Dr, Duke Ln, Berwick Ct, Innovation Dr, Heber Dr, Prescott St, Farview Dr, Rangeview Dr, Indigo Ct, Montezuma Fuller Aly$886
Sycamore St, Leeward Ct, Summerpark Ln, Stanford Rd, Eastbrook Dr, Killarney Dr, Timberwood Dr, N Pearl St, E Co Rd 54, Maxwell Dr$921
Hackney Ln, S Howes St, W Venturi Ln, Endicott St, Dora St, Plateau Ct, Ninebark Ct, Alexander Ct, Golden Harvest Ln, Catalpa Pl$908

Fort Collins, CO Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Fort Collins$132 to $135

Fort Collins, 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
Laporte CDP, Colorado $110 $146 $219
Timnath town, Colorado $114 $152 $228
Wellington town, Colorado $109 $145 $218

Fort Collins, 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
Fort Collins, CO4.7%18.5%

Fort Collins Renters Insurance as a Percentage of Rent

Fort Collins Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 360 1.0% $796
$300 to $499 823 3.0% $1246
$500 to $749 5,428 20.0% $1921
$750 to $999 8,140 31.0% $2671
$1,000 to $1,499 8,075 30.0% $3796
$1,500 or more 3,257 12.0% $5446

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

Structure Type Deductible Company Premium
Frame $500 American Reliable Insurance Company $474
Frame $500 Csaa General Insurance Company $1,131
Masonry $500 Hartford Accident And Indemnity $1,571
Frame $500 Metropolitan Property And Casualty Insurance Company $2,119
Frame $500 Secura Supreme Ins Co $1,130
Frame $500 Stillwater Property And Casualty Insurance Co $1,253
Masonry $500 The Cincinnati Insurance Company $993
Masonry $500 Travelers Commercial Insurance Company $907
Masonry $500 Trumbull Insurance Company $1,427

Fort Collins, CO Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Fort Collins Homeowner Insurance Premium Example $1,700$1,300
Out of Pocket Expense During Claim$1,700$3,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $15,300$14,100
Net Savings to Fort Collins Home Owner from High Deductible Plan $1,200

Fort Collins, CO Home Insurance Costs With Home Replacement Value Scenarios

Scenario Fort Collins, CO Home Replacement Value MORE than Home Value Fort Collins, CO Home Replacement Value LESS than Home Value
Replacement Value $316,000 $238,000
Insurance Premium based on Replacement Value $1,425 $1,075
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $39,000 Risk Exposure from Under Insuring Coverage is $39,000
Premium Impact Insurance cheaper by $175/year Insurance costlier by $175/year

Example Fort Collins Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateLiberty MutualChubb Group of Insurance
Monthly Premium 65130157
Year Built 200520141995
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 4 Baths
Coverage Amount $200000-$250000$300000-$350000$350000-$400000
Deductible $5000 to $10,000 Deductible$500 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2010 415,000 Metal Roof 2,840 4 $500 Deductible 190 1 Wood siding yes
1980 200,000 Slate Shingles Roof 1,430 3 $1000-$2500 Deductible 100 1 Stone Siding No
2013 190,000 Tile Roof 1,700 5 $500 Deductible 540 8 Brick siding yes
1989 510,000 Wood Shake Roof 3,290 4 $1000-$2500 Deductible 880 7 Vinyl siding yes
2009 420,000 Wood Shake Roof 2,990 5 $2500-$5000 Deductible 120 1 Brick siding No
1983 345,000 Slate Shingles Roof 2,670 4 $2500-$5000 Deductible 330 4 Vinyl siding yes
1982 220,000 Wood Shake Roof 1,480 3 $500 Deductible 1120 12 Wood siding No
2010 210,000 Tile Roof 2,010 4 $2500-$5000 Deductible 160 3 Stone Siding yes
2013 210,000 Slate Shingles Roof 1,680 3 $500- $1000 Deductible 110 2 Stone Siding yes
2004 385,000 Slate Shingles Roof 2,930 4 $2500-$5000 Deductible 570 4 Brick siding No
2008 330,000 Asphalt Shingles Roof 2,340 4 $500- $1000 Deductible 990 9 Fiber-Cement Siding yes
1985 420,000 Metal Roof 3,350 4 $5000 to $10,000 Deductible 1000 9 Vinyl siding No
2013 260,000 Tile Roof 2,220 3 $500- $1000 Deductible 1030 9 Wood siding No
1984 610,000 Tile Roof 4,030 5 $500 Deductible 1890 7 Stone Siding No
1994 145,000 Slate Shingles Roof 1,390 3 $500- $1000 Deductible 120 3 Vinyl siding yes
2014 185,000 Tile Roof 1,680 4 $500 Deductible 550 10 Brick siding yes
2002 330,000 Tile Roof 2,320 3 $5000 to $10,000 Deductible 300 4 Stucco siding No
2008 265,000 Metal Roof 1,770 3 $500 Deductible 840 8 Stucco siding yes
1983 480,000 Tile Roof 3,710 5 $5000 to $10,000 Deductible 930 8 Fiber-Cement Siding yes
1981 700,000 Membrane Roof 4,900 5 $500 Deductible 2640 9 Fiber-Cement Siding yes
2010 375,000 Asphalt Shingles Roof 3,370 5 $1000-$2500 Deductible 1040 7 Stone Siding yes
1984 295,000 Tile Roof 2,450 4 $500- $1000 Deductible 690 5 Wood siding yes
1980 315,000 Shingles Roof 2,830 4 $500- $1000 Deductible 460 3 Stucco siding yes
2009 385,000 Asphalt Shingles Roof 3,350 5 $500 Deductible 1420 8 Fiber-Cement Siding yes
2008 550,000 Membrane Roof 4,210 5 > $10,000 Deductible 330 3 Fiber-Cement Siding yes
1981 445,000 Tile Roof 3,210 5 $1000-$2500 Deductible 810 7 Brick siding No
1985 200,000 Asphalt Shingles Roof 1,940 3 $500 Deductible 230 3 Wood siding yes
2011 315,000 Wood Shake Roof 2,310 3 > $10,000 Deductible 220 4 Stone Siding yes
2014 310,000 Metal Roof 2,750 4 $2500-$5000 Deductible 920 8 Wood siding yes
1995 280,000 Wood Shake Roof 2,370 3 $1000-$2500 Deductible 290 3 Vinyl siding No
1999 345,000 Tile Roof 2,220 3 $500 Deductible 1660 9 Stone Siding yes

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