Fort Collins ,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 Fort Collins, 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 Fort Collins, CO is $2026. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Fort Collins, CO. VHome Insurance will help you navigate the world of homeowners insurance coverages in Fort Collins, CO.
Coverage Level | Average Annual Premium |
---|---|
$100,000 | $810 |
$200,000 | $1,378 |
$300,000 | $1,702 |
$400,000 | $2,593 |
$500,000 | $3,262 |
Home insurance costs in Fort Collins 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 |
---|---|
080528 | $2,750 |
80525 | $2,693 |
80524 | $2,669 |
80526 | $2,673 |
80521 | $2,682 |
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 Fort Collins, CO, and how to choose the right one for your needs.
Deductible Level | Average Annual Premium |
---|---|
$500 Deductible | $2,077 |
$1000 Deductible | $1,858 |
$1500 Deductible | $1,752 |
$2500 Deductible | $1,580 |
$5000 Deductible | $1,337 |
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 |
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 |
Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
---|---|---|
Fort Collins, CO | 4.7% | 18.5% |
Laporte | 5.2% | 18.02% |
Timnath | 3.34% | 19.16% |
Wellington | 4.67% | 15.12% |
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 |
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 |
Place | Savings For Senior Occupied Homes |
---|---|
Fort Collins | $132 to $135 |
Laporte | $131 |
Timnath | $137 |
Wellington | $130 |
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 |
Low Deductible | High Deductible | |
---|---|---|
Deductible | $1,700 | $3,700 |
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 |
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 |
Insurance Company | Allstate | Liberty Mutual | Chubb Group of Insurance |
Monthly Premium | 65 | 130 | 157 |
Year Built | 2005 | 2014 | 1995 |
Home Details | 3 Beds, 1 Baths | 4 Beds, 3 Baths | 5 Beds, 4 Baths |
Coverage Amount | $200000-$250000 | $300000-$350000 | $350000-$400000 |
Deductible | $5000 to $10,000 Deductible | $500 Deductible | $1000-$2500 Deductible |