Golden Insurance Rates:

Golden, CO homeowners insurance is approximately $793 to $1,083, about $66-$90/month. Our in depth analysis shows customers can save upto $375 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Safeco Insurance
They seem to push communication to me and I do not need to be pulling information. Again, haven't had a claim so I have not had much interaction.
Centauri Insurance
I don't have to worry about any details I may require as their communication is complete. I am really satisfied.
Usaa
I haven't found anything that I dislike about USAA. The phone calls are always pleasant and everything is good.
Travelers
I have no experience with them as I have not had a claim. I let my agent do all the work. I just pay the bill.
Farmer's Insurance
I know that my premium isn't too bad but my house has not retained the same value it did once I bought it (right before the 2008-2009 Recession) so I am paying more relative to what the house is worth and the insurance company won't change it.
Liberty Mutual
They protect my home for a full replacement value as opposed to other companies that have offered me less. They have reached out to try to save me money by bundling home and auto but I do not own a car to qualify for that.
State Farm
I do not like that they have fairly high rates with no executive things that they offer. they charge a premium for just their company name, and while i think it is worth it, i still think it is high.
State Farm
I've got to tell you. state farm is a great insurance company. they have the most competitive rates that i have found. their customer service is good. anytime i have had a problem, they have helped me and not robbed me with fees.
Usaa
While they are quick to respond to questions, getting them to respond when you file a claim is a different story.

Golden, CO Homeowners Insurance By Home Value

Golden, CO Home Value Total Homes % of Total Average Golden, CO Homeowners Insurance
Less than $50,000 686 13.0% $56
$80,000 to $89,999 63 1.0% $187
$90,000 to $99,999 63 1.0% $215
$100,000 to $124,999 164 3.0% $253
$150,000 to $174,999 252 5.0% $375
$175,000 to $199,999 73 1.0% $431
$200,000 to $249,999 859 17.0% $516
$250,000 to $299,999 970 19.0% $638
$300,000 to $399,999 1,809 35.0% $807

Top Home Insurance Agents Near Golden, CO

Home Insurance Company Near Golden, CO Homeowners Insurance Agency Near Golden, CO Address
Travelers Aai-Andy Roy 2090 E 104TH AVE STE 300, THORNTON, CO, 80229
State Farm Brian Himmelman 25597 Conifer Rd, Conifer, CO, 80433
Allstate Jennifer Thomason 12500 E Iliff Ave # 350, Aurora, CO, 80014
Farmers Joanie Patterson-Clark 1919 8th St, Boulder, CO, 80302
State Farm Tammy Melendez 12810 W Alameda Pkwy Unit D, Lakewood, CO, 80228-3116

Cost Of Homeowners Insurance By Street Near Golden, CO

Streets in Golden Area Homeowners Insurance Cost
Aspen Way, Pine Song Trl, 11th St, Violet St, Table Dr, 17th St, Shimley Rd, E Grapevine Rd, Brickyard Cir, Water St$927
Spirit Ranch Rd, Golden Park Pl, C St, Woodland Ln, Quartz Loop, Stapleton Dr, Lone Pine Dr, Chimney Creek Dr, Chippewa Ln, A St$926
W 60th Cir, Terry St, Mobile Cir, Choke Cherry Ln, Alpine Ave, Choke Cherry Rd, 7th Pl, 59th Pl, Mt Evans Rd, W 55th Ln$943
Winder Pl, Torrey Ln, Moss Ct, S Mount Vernon Country Club Rd, Willow Cir, W 16th Pl, White Ash Dr, Lyons St, Easley Way, Mesa Dr$961
Co Rd 93, Crawford Dr, Warner Dr, Noble Ct, Dunraven Rd, Golden Hills Pl, Mallard St, Westridge Rd, Clear Creek Ln, Wyoming Cir$895

Golden, CO Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Golden$139 to $141
Fairmount$138
Genesee$150
West Pleasant View$130

Golden, 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
Fairmount CDP, Colorado $139 $185 $278
Genesee CDP, Colorado $150 $200 $300
West Pleasant View CDP, Colorado $131 $174 $261

Golden, 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
Golden, CO3.6%12.3%
Fairmount4.03%12.7%
Genesee2.98%9.85%
West Pleasant View5.1%16.04%

Golden Renters Insurance as a Percentage of Rent

Golden Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 73 2.0% $1223
$500 to $749 861 23.0% $1898
$750 to $999 1,008 27.0% $2648
$1,000 to $1,499 1,061 29.0% $3773
$1,500 or more 576 15.0% $5423

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

Structure Type Deductible Company Premium
Frame $500 Country Mutual Insurance Company $2,240
Frame $500 Foremost Insurance Company Grand Rapids, Michigan $1,895
Frame $500 Hartford Accident And Indemnity $1,920
Masonry $500 Hartford Fire Insurance Company $1,770
Frame $500 Homesite Insurance Company $1,488
Frame $500 Horace Mann Insurance Company $926
Frame $500 Ids Property Casualty $998
Masonry $500 Secura Supreme Ins Co $1,348
Frame $500 Vigilant Insurance Company $1,952

Golden, CO Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,500$5,500
Yearly Golden Homeowner Insurance Premium Example $1,900$1,100
Out of Pocket Expense During Claim$1,500$5,500
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $14,800$13,200
Net Savings to Golden Home Owner from High Deductible Plan $1,600

Golden, CO Home Insurance Costs With Home Replacement Value Scenarios

Scenario Golden, CO Home Replacement Value MORE than Home Value Golden, CO Home Replacement Value LESS than Home Value
Replacement Value $521,000 $321,000
Insurance Premium based on Replacement Value $2,825 $1,725
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $124,500 Risk Exposure from Under Insuring Coverage is $75,500
Premium Impact Insurance cheaper by $425/year Insurance costlier by $675/year

Example Golden Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceAmica Mutual Insurance CompanyFarmers Insurance
Monthly Premium 24780175
Year Built 198719791993
Home Details 5 Beds, 1 Baths2 Beds, 1 Baths4 Beds, 3 Baths
Coverage Amount $700000-$800000$200000-$250000$600000-$700000
Deductible $500- $1000 Deductible$500 Deductible> $10,000 Deductible

Sample Home Insurance Rates for Golden, 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 555,000 Composition Roof 2,590 4 > $10,000 Deductible 930 9 Stucco siding yes
1980 425,000 Slate Shingles Roof 1,820 4 $1000-$2500 Deductible 400 3 Stucco siding yes
2009 380,000 Composition Roof 1,940 3 > $10,000 Deductible 690 8 Stone Siding yes
2007 335,000 Shingles Roof 1,630 4 $1000-$2500 Deductible 230 2 Fiber-Cement Siding No
1974 650,000 Composition Roof 3,980 5 $2500-$5000 Deductible 750 3 Vinyl siding yes
2001 185,000 Asphalt Shingles Roof 970 2 $1000-$2500 Deductible 390 5 Wood siding yes
1998 400,000 Membrane Roof 1,670 5 > $10,000 Deductible 340 4 Stone Siding yes
1991 220,000 Asphalt Shingles Roof 1,110 2 $2500-$5000 Deductible 750 8 Stucco siding No
1981 240,000 Asphalt Shingles Roof 1,400 2 $500 Deductible 650 5 Vinyl siding yes
2006 350,000 Metal Roof 1,700 2 > $10,000 Deductible 490 6 Stone Siding No
2009 230,000 Slate Shingles Roof 1,280 2 $5000 to $10,000 Deductible 180 4 Vinyl siding No
2012 370,000 Slate Shingles Roof 1,670 3 $1000-$2500 Deductible 350 3 Stone Siding No
1974 785,000 Metal Roof 4,550 5 $2500-$5000 Deductible 1480 5 Brick siding No
2004 340,000 Tile Roof 1,740 4 $500- $1000 Deductible 370 3 Vinyl siding yes
1973 295,000 Membrane Roof 1,320 2 $1000-$2500 Deductible 950 12 Stone Siding No
1981 590,000 Membrane Roof 3,000 4 $500 Deductible 2330 10 Stucco siding No
2011 655,000 Composition Roof 2,910 4 $500- $1000 Deductible 2460 12 Brick siding yes
1998 300,000 Composition Roof 1,590 5 $2500-$5000 Deductible 470 5 Fiber-Cement Siding No
2014 325,000 Metal Roof 1,710 2 $5000 to $10,000 Deductible 400 5 Wood siding yes
2014 330,000 Shingles Roof 1,450 3 $500- $1000 Deductible 1020 10 Stone Siding yes
2001 695,000 Metal Roof 3,240 4 $2500-$5000 Deductible 1210 6 Wood siding No
2004 305,000 Asphalt Shingles Roof 1,680 5 $500- $1000 Deductible 1210 9 Stone Siding No
1988 290,000 Tile Roof 1,700 4 $500- $1000 Deductible 610 5 Stone Siding No
2013 415,000 Composition Roof 1,830 3 $2500-$5000 Deductible 1290 8 Stone Siding No
2013 385,000 Wood Shake Roof 1,730 4 $2500-$5000 Deductible 140 1 Brick siding No
2002 320,000 Membrane Roof 1,720 4 $5000 to $10,000 Deductible 990 10 Stucco siding No
1975 430,000 Slate Shingles Roof 2,320 4 $500 Deductible 1280 5 Vinyl siding No
2003 490,000 Composition Roof 2,210 3 $500 Deductible 720 4 Stucco siding yes