Fort Collins Insurance Rates:

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.

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Home Insurance Companies in Fort Collins, CO: Customer-Reviewed Options


Fort Collins, CO Homeowners Insurance Rates by Coverage Level

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


Fort Collins, CO Homeowners Insurance Rates by ZIP Code

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


Fort Collins, CO Homeowners Insurance Deductibles

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



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


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

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

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