Grand Junction Insurance Rates:

Grand Junction, CO homeowners insurance is approximately $746 to $1,010, about $62-$84/month. Our in depth guide reveals consumers can save upto $351 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Latest Home Insurance Reviews

I honestly didn't really shop around to compare USAA to other companies because I was already a customer with their auto insurance. I just bundled the two without looking into other companies.
Farmer's Insurance
I'm not sure about the specifics, but I am well covered for any damages that come up, including pet damages to carpets, etc.
I would recommend Geico for home insurance for other people. The purchase process was easy and their app is very easy to use for checking and confirming coverage. Their ongoing customer service has been good.
State Farm
I would recommend State Farm. I haven't had any trouble with this company. they offer a wide range of insurance products, discounts. My agent tells me about discounts that are available.
We are very satisfied with USAA's policy offerings; we feel well protected in our home and in our investment, and that our claims would be covered in the event we needed USAA.
I don't think they are any different from other companies with regard to what they offer in regards to amount of coverage, optional insurance they do offer discounts that other companies may not offer.
Liberty Mutual
My premium and deductible are very reasonable compared to other policies with the same coverage. In some cases they were half as expensive.
the customer service is ok, we have a not too bad experience with the current insurance company, it takes a while to make the phone call.
I rate my homeowners insurance company as excellent. They get a 5 in customer service as everyone I have spoken to is very knowledgeable and helpful. I don't believe I have ever waited on hold.
This ties into my previous answer as rates and services are of lateral comparison in my view. The rates for my company are excellent.
I liked my insurance company because it was loyal nice never mean and always had my back. when i got into a car accident it covered me
It can be hard to figure out which policy i need because they have a lot of them and the options seem very similar sometimes.
Safeco Insurance
It is a good price comparing to other companies. the value is good for the money cause it is the cheapest i found on the market.
I don't really have anything I dislike about the company. The premium is a bit higher, but the service this far had been much better than state farm.
There is nothing I dislike about this company. The prices are reasonable. The agents are friendly. The website and app are also easy to navigate. I also like the discount this company offers.
State Farm
I've had nothing but a good experience so far. The agent came to my house personally to bring a partial refund from a misunderstanding about the initial premium, along with a small gift. The agent and associate were able to patiently answer all of our many questions initially and verify our concerns.
Liberty Mutual
They always email me their newsletter as well as the proxy statement so I know what's going on.
great customer service, always reachable and extremely helpful when needed. Have never had an issue with this company!
State Farm
Customer Service is reliable, professional and answers my questions accurately. I like that they are always treating you like a valued customer. Sometimes they might take a long time to process, which is not their fault, is the systems fault. Other than that, they are exceptional at their job.
When i called and spoke with a Progressive Agent they was really kind, as well as answered any and all questions that i had about the service i was going to be purchasing.
State Farm
I am not aware of what the premium we pay is but our deductible is $3,000 which seems high compared to our friends.

Grand Junction, CO Homeowners Insurance By Home Value

Grand Junction, CO Home Value Total Homes % of Total Average Grand Junction, CO Homeowners Insurance
Less than $50,000 1,169 5.0% $96
$80,000 to $89,999 220 1.0% $342
$100,000 to $124,999 1,100 5.0% $447
$125,000 to $149,999 1,729 8.0% $561
$150,000 to $174,999 2,655 12.0% $658
$175,000 to $199,999 3,032 14.0% $763
$200,000 to $249,999 4,703 22.0% $921
$250,000 to $299,999 3,022 14.0% $1123
$300,000 to $399,999 2,904 13.0% $1431

Top Home Insurance Agents Near Grand Junction, CO

Home Insurance Company Near Grand Junction, CO Homeowners Insurance Agency Near Grand Junction, CO Address
Travelers Beckner Power Insurance Inc 2415 PATTERSON RD B, GRAND JUNCTION, CO, 81505
Travelers Colorado West Insurance Services Inc 2782 CROSSROADS BLVD, GRAND JUNCTION, CO, 81506
Liberty Mutual Independent Home Loan & Investment Co 205 N 4TH ST, GRAND JUNCTION, CO, 81501
Travelers Pete Tarr Insurance 253 W 5TH, DELTA, CO, 81416
Travelers Premier Group Insurance Inc-Russo A 1155 18 RD, FRUITA, CO, 81521

Grand Junction, CO Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Grand Junction, CO

Streets in Grand Junction Area Homeowners Insurance Cost
Terrace Dr, Conifer Ct, Ptarmigan Ridge Cir, 27 3/8 Rd, Prairie Wind Dr, Eagle Wood Ct, W White Ave, Laguna Ave, Pear Rd, Huffer Ln$869
Columbus Canyon Rd, Hummingbird Ct, Cider Mill Rd, N 11th St, Tiara Ct, Dakota Dr, Glendale Way, Gerken Rd, E Main St, Santa Clara Ave$927
Arriba Dr, S Broadway, Marianne Dr, Vencino Dr, 19 1/2 Rd, Laddie Way, Rimrock Rd, N 26th St, Maple Ct, N 11th St$888
Glen Rd, Montero St, Merle's Way, Bristol Ct, Trail's End Ct, N Arriba Cir, Red Cloud Ln, Railroad Ave, Country Lane Ct, Golfmore Dr$865
W Ute Ave, Brookwood Dr, 22 1/2 Rd, 29 1/2 Rd, Gunnison Way, Seely Rd, Kathy Jo Ln, Cambridge Rd, Mowry Dr, 29 3/8 Rd$885
Nine Iron Dr, Apple Blossom Rd, Pine Terrace Ct, Spyglass Dr, Crest Ct, Commerce Blvd, Cambridge Ct, Flora Ct, Charis Ct, Concord Ln$923
S Sunset Ct, Indian Wash Cir, Ronlin Dr, Snow Mesa Ln, Acacia Ave, Dodge St, Round Rock Cir, Sunlight Dr, Franklin Ave, 26 Rd$874
Driftwood Ln, Shadow Lake Ct, Capitol Ln, Budlong St, E Hanover Cir, Windsor Ct, Ravenwood Ln, Tiara Dr, Red Mesa Heights Rd, Compton St$919
Bell Ridge Ct, Melody Ln, River-Side Park Dr, B 4/10 Rd, Serenity Ct, Evanston Ave, Hollingsworth St, E Valley Dr, Spr Cross Rd, Meadows Ct$873
Linda Ln, Country Rd, Sunburst Ct, Cortland Ct, Rhine Ct, Beta Pl, Price Ditch Ct, Mason Dr, Pierce Ave, Dover Ct$872

Grand Junction, CO Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Grand Junction$131 to $133
Orchard Mesa$130

Grand Junction, 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
Redlands CDP, Colorado $135 $180 $270
Orchard Mesa CDP, Colorado $131 $174 $261
Fruitvale CDP, Colorado $131 $174 $261

Grand Junction, 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
Grand Junction, CO5.2%23.2%
Orchard Mesa5.46%24.74%

Grand Junction Renters Insurance as a Percentage of Rent

Grand Junction Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 314 2.0% $350
$200 to $299 633 5.0% $800
$300 to $499 786 6.0% $1250
$500 to $749 3,047 27.0% $1925
$750 to $999 2,490 22.0% $2675
$1,000 to $1,499 3,082 27.0% $3800
$1,500 or more 910 8.0% $5450

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

Structure Type Deductible Company Premium
Masonry $500 Aig Property Casualty Company $514
Frame $500 Esurance Insurance Company $921
Frame $500 Great Northern Insurance Company $1,273
Frame $500 Hartford Accident And Indemnity $899
Masonry $500 Liberty Mutual Fire Insurance Company $1,383
Frame $500 Pharmacists Mutual Insurance Company $752
Frame $500 The Travelers Home And Marine Insurance Company $670
Masonry $500 United Services Automobile Association $908

Grand Junction, CO Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Grand Junction Homeowner Insurance Premium Example $1,700$1,200
Out of Pocket Expense During Claim$1,900$3,900
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $13,800$12,300
Net Savings to Grand Junction Home Owner from High Deductible Plan $1,500

Grand Junction, CO Home Insurance Costs With Home Replacement Value Scenarios

Scenario Grand Junction, CO Home Replacement Value MORE than Home Value Grand Junction, CO Home Replacement Value LESS than Home Value
Replacement Value $200,000 $156,500
Insurance Premium based on Replacement Value $850 $650
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $25,500 Risk Exposure from Under Insuring Coverage is $18,000
Premium Impact Insurance cheaper by $75/year Insurance costlier by $125/year

Example Grand Junction Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateAmerican Family InsuranceLiberty Mutual
Monthly Premium 69114125
Year Built 196019951983
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths5 Beds, 1 Baths
Coverage Amount $200000-$250000$250000-$300000$600000-$700000
Deductible $1000-$2500 Deductible$500- $1000 Deductible> $10,000 Deductible

Sample Home Insurance Rates for Grand Junction, CO from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1969 305,000 Membrane Roof 2,290 5 $500 Deductible 900 8 Wood siding yes
2014 270,000 Asphalt Shingles Roof 2,260 3 $500- $1000 Deductible 180 2 Vinyl siding yes
2013 230,000 Composition Roof 1,830 5 > $10,000 Deductible 190 5 Stucco siding No
2006 270,000 Slate Shingles Roof 1,890 4 $2500-$5000 Deductible 240 4 Stone Siding No
2011 375,000 Wood Shake Roof 3,300 4 $5000 to $10,000 Deductible 370 5 Stone Siding yes
1981 235,000 Shingles Roof 2,310 5 $1000-$2500 Deductible 860 10 Vinyl siding yes
2010 270,000 Shingles Roof 1,980 4 $500 Deductible 320 3 Brick siding yes
2010 335,000 Composition Roof 3,020 4 $1000-$2500 Deductible 620 8 Brick siding yes
1987 290,000 Composition Roof 2,650 4 $1000-$2500 Deductible 380 3 Vinyl siding No
1962 370,000 Metal Roof 3,090 4 $500 Deductible 1230 8 Vinyl siding No
2007 240,000 Shingles Roof 1,790 3 $2500-$5000 Deductible 510 8 Wood siding yes
2005 495,000 Membrane Roof 4,070 5 $1000-$2500 Deductible 680 3 Vinyl siding No
2013 330,000 Shingles Roof 2,770 5 $5000 to $10,000 Deductible 460 7 Wood siding No
2010 225,000 Shingles Roof 1,650 4 > $10,000 Deductible 680 12 Stucco siding No
1961 495,000 Composition Roof 3,560 5 $5000 to $10,000 Deductible 1040 7 Vinyl siding yes
1965 190,000 Membrane Roof 1,400 3 $1000-$2500 Deductible 640 7 Fiber-Cement Siding yes
1984 350,000 Asphalt Shingles Roof 2,570 4 $2500-$5000 Deductible 850 8 Brick siding No
1993 445,000 Metal Roof 3,300 4 $500- $1000 Deductible 1900 12 Stucco siding No
2012 240,000 Asphalt Shingles Roof 1,930 4 $5000 to $10,000 Deductible 350 5 Brick siding yes
1969 550,000 Membrane Roof 4,060 5 $5000 to $10,000 Deductible 1800 10 Stucco siding No
1999 210,000 Shingles Roof 1,610 4 $5000 to $10,000 Deductible 410 9 Fiber-Cement Siding No
1996 310,000 Wood Shake Roof 2,670 5 $2500-$5000 Deductible 590 6 Stucco siding yes
1982 170,000 Wood Shake Roof 1,790 3 $500 Deductible 530 9 Stone Siding No
2002 200,000 Membrane Roof 1,730 3 $500- $1000 Deductible 390 5 Vinyl siding yes
1991 255,000 Slate Shingles Roof 2,560 4 > $10,000 Deductible 410 5 Stucco siding No
1986 270,000 Tile Roof 2,380 4 > $10,000 Deductible 380 9 Wood siding No
1989 260,000 Tile Roof 1,950 5 $2500-$5000 Deductible 890 9 Vinyl siding No
2000 325,000 Metal Roof 3,340 4 $2500-$5000 Deductible 860 7 Vinyl siding yes
2014 310,000 Slate Shingles Roof 2,760 4 $2500-$5000 Deductible 320 3 Vinyl siding yes
1964 260,000 Wood Shake Roof 2,120 3 $500 Deductible 420 4 Wood siding yes
1984 565,000 Composition Roof 4,310 5 $2500-$5000 Deductible 1780 10 Wood siding yes
1996 195,000 Membrane Roof 1,990 3 $500 Deductible 320 4 Stone Siding No
1998 220,000 Metal Roof 2,030 3 $500- $1000 Deductible 550 7 Stucco siding No
1983 225,000 Wood Shake Roof 1,910 5 $1000-$2500 Deductible 590 8 Stucco siding No
1970 330,000 Membrane Roof 2,157 4 $2500-$5000 Deductible 600 3 Stucco siding yes

How To Make Your Grand Junction, CO Home Insurance Cheaper

How Much Does Grand Junction, CO Home Insurance Cost?