Greeley, CO homeowners insurance is nearly $732 to $992, about $61-$82/month. Our detailed research reveals consumers can save upto $344 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Are you looking for home insurance in Greeley, CO? You've come to the right place! Based on the VHome research, Greeley, CO, the average cost of homeowners insurance is $1229. The home insurance Greeley, CO, may vary according to certain factors like coverage type, deductible, house age, claims history, area of residence, and the material used to build your home. Therefore, it is of supreme importance to know their home insurance needs before proceeding.
Cost of insurance based on the coverage level in Greeley, CO
Home insurance ensures that you can relax and enjoy your life in your house without any worries. If any damage occurs to your home due to unfortunate incidents, the insurer will cover the loss. It also covers damages in natural calamities such as floods and earthquakes.
Greeley, CO, homeowners paying a coverage of $100K can avail of home insurance for $504. Typically homeowners choose to pay coverage of $200K to $300K, which comes to $1210 and $2540, respectively.
Cost of insurance based on the deductibles in Greeley, CO
When you're shopping for homeowners insurance in Greeley, CO, one of the elements people often look at is the deductible. The higher the deductible, the lower your risk and, therefore, your premium. A deductible is an amount for which the insured must be responsible before the insurance company pays a claim.
In Greeley, CO, homeowners paying a deductible of 1500 and 2000 pay a premium of $1034.08 and $938.71. In contrast, homeowners paying a deductible of 500 and 1000 pay $1214.25 and $1098.48, respectively. Therefore, the higher the deductible, the lower the premium.
Cost of insurance based on the materials used in Greeley, CO
Home insurance Greeley, CO, is affordable for homeowners when you use top-quality materials during building. Adding upgrades such as impact-resistant roofing, storm shutters, and fire-resistive brick can lower your home insurance in Greeley, CO. Homeowners in Greeley who used masonry and fire-resistive brick to build their homes pay $1167.55 and $1056.94, respectively, on homeowners insurance in Greeley, CO.
Homeowners in Greeley, Colorado, pay an average home insurance rate of $1,229. However, the cost of home insurance in Greeley varies widely depending upon several variables. Homeowners need to understand these factors in order to reduce their home insurance rates and pick the cheapest home insurance company.
Home insurance providers consider different parameters before determining home insurance rates. As a result, the quotes offered to homeowners differ from one insurance company to another. Greeley homeowners are advised to compare quotes from multiple home insurance companies to choose the cheapest one for their coverage requirements.
Deductibles Vs. Home Insurance Rates
Home insurance companies provide homeowners with the option of choosing a deductible based on their needs. Homeowners can reduce their home insurance rates by paying a one-time high deductible. The percentage of reduction in home insurance rates for a given deductible differs from one insurance company to another. Greeley homeowners are recommended to choose the home insurance company that offers the highest price reduction for their deductible.
Home insurance agents work with homeowners to understand individual needs and suggest appropriate add-on policies. These policies are in place to cover items or damage caused due to specific reasons. The add-on policies include pet insurance, flood insurance, collectibles insurance, and earthquake insurance.
Home insurance companies offer numerous discounts to homeowners to help lower the cost of insurance. Apart from the lifestyle choices of residents, home insurance companies also offer discounts based on the safety measures implemented by homeowners. Considering the specific features of their home, Greeley homeowners are advised to choose the home insurance company that offers the highest discount for their coverage needs.
Claims History of Homeowners
If home insurance companies find repetitive claims or a pattern in filing claims, the home insurance rates for such homeowners can increase drastically. On the other hand, homeowners receive discounts on home insurance rates if they have a claims-free history. Greeley homeowners should choose home insurance companies that are liberal in determining home insurance rates based on the claims history.
|Greeley, CO Home Value||Total Homes||% of Total||Average Greeley, CO Homeowners Insurance|
|Less than $50,000||2,389||9.0%||$129|
|$70,000 to $79,999||306||1.0%||$387|
|$80,000 to $89,999||657||2.0%||$439|
|$90,000 to $99,999||602||2.0%||$491|
|$100,000 to $124,999||2,517||10.0%||$577|
|$125,000 to $149,999||3,639||14.0%||$715|
|$150,000 to $174,999||4,363||17.0%||$853|
|$175,000 to $199,999||2,659||10.0%||$982|
|$200,000 to $249,999||3,253||13.0%||$1180|
|$250,000 to $299,999||1,729||7.0%||$1448|
|$300,000 to $399,999||2,044||8.0%||$1836|
|Home Insurance Company Near Greeley, CO||Homeowners Insurance Agency Near Greeley, CO||Address|
|NA||Holliway Insurance Agency Inc||5765 Olde Wadsworth Blvd Ste 20, Arvada, CO, 80002|
|Farmers||Joey Terranova||1811 Hover St Ste F, Longmont, CO, 80501|
|Farmers||Matthew Mullins||12001 Tejon St Ste 128, Westminster, CO, 80234|
|Allstate||Paul Novak||7985 Allison Way Unit B, Arvada, CO, 80005|
|Travelers||Union Colony Insurance Agency, Inc.||1218 8TH AVE, GREELEY, CO, 80631|
|Streets in Greeley Area||Homeowners Insurance Cost|
|52nd Avenue Ct, Glenmere Ct, 38th St, W 11th Street Pl, Beech Ave, Ridge Ct, Sienna Ave, S Maple St, 61st Ave Ct, 27th Street Ln||$884|
|Glen Meadows Dr, Osprey Rd, Magnolia Ct, Cedar Ct, 20th Street Rd, 19th Street Dr, N 81st Ave, W B St, W 25th St, N 49th Avenue Pl||$882|
|Mountainview Dr, 41st Avenue Ct, Maverick Ln, Panorama Dr, Wilshire Ave, 50th Avenue Pl, 35th Street Ct, Lucca Dr, W 7th Street Rd, N 10th Ave||$862|
|N 55th Ave, N 15th Ave, Cramer Ave, Centerplace Dr, 30th Ave, 71st Ave, Claremont Ave, E 37th St, N 21st Ave, Stampede Dr||$857|
|Juniper St, N 46th Avenue Ct, Windmill Ct, Conestoga Ct, N 53rd Avenue Ct, Surrey St, Cheyenne Ave, Red Tail Way, Saltgrass Ln, 25th Avenue Ct||$876|
|30th St, N 54th Ave, 10th Ave, Leola Way, White Sands St, Longs Peak Rd, Wedgewood Ct, Canvasback Ct, Flaming Gorge Ct, W E St||$875|
|S Shenandoah St, Elmwood Ave, 48th Avenue Ct, Reising St, Acadia Ct, 36th Ave, 70th Ave, 68th Ave, 52nd Avenue Ct, N 6th Ave||$855|
|Laurin St, 20th Avenue Ct, 25th St Rd, Ute Dr, Oconnor Ave, Becerro Dr, 37th Ct, Navajo Ct, E 18th St Rd, W 26th St||$861|
|82nd Ave, Olive St, 42nd St, Co Rd 39 1/2, Willow Dr, N 29th Ave, Alpine Ave, W 1st Street Rd, Canyon Ct, W Canberra St||$884|
|Mariposa Ln, Sage Ave, Wolfcreek Blvd, Valley View Ave, Double Tree Dr, Tuscany St, 10th Ave, Willow Ave, Bryce Canyon Dr, Harbor Ln||$856|
|Place||Savings For Senior Occupied Homes|
|Greeley||$129 to $131|
|Place||1 Car Bundle Savings On Insurance||2 Car Bundle Savings On Insurance||3 Car Bundle Savings On Insurance|
|Garden City town, Colorado||$106||$141||$211|
|Eaton town, Colorado||$109||$145||$218|
|La Salle town, Colorado||$107||$142||$213|
|Place||Home insurance as a % of housing cost for homes with mortgage||Home insurance as a % of housing cost for homes without mortgage|
|Greeley Home By Monthly Rent||Total Homes||% of Total||Estimated Monthly Income To Afford Rented House Including Renters Insurance|
|Less than $200||537||3.0%||$357|
|$200 to $299||746||4.0%||$807|
|$300 to $499||1,829||10.0%||$1257|
|$500 to $749||5,700||32.0%||$1932|
|$750 to $999||3,843||21.0%||$2682|
|$1,000 to $1,499||3,954||22.0%||$3807|
|$1,500 or more||1,063||6.0%||$5457|
|Low Deductible||High Deductible|
|Yearly Greeley Homeowner Insurance Premium Example||$900||$700|
|Out of Pocket Expense During Claim||$800||$1,800|
|Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim||$8,000||$7,400|
|Net Savings to Greeley Home Owner from High Deductible Plan||$600|
|Scenario||Greeley, CO Home Replacement Value MORE than Home Value||Greeley, CO Home Replacement Value LESS than Home Value|
|Insurance Premium based on Replacement Value||$1,250||$850|
|Risk Exposure from Under Insuring Coverage||Unnecessary Home Insurance Coverage of $18,500||Risk Exposure from Under Insuring Coverage is $49,000|
|Premium Impact||Insurance cheaper by $300/year||Insurance costlier by $100/year|
|Insurance Company||American Family Insurance||Allstate||GEICO Insurance|
|Home Details||3 Beds, 1 Baths||4 Beds, 1 Baths||5 Beds, 1 Baths|
|Deductible||$5000 to $10,000 Deductible||$500- $1000 Deductible||$2500-$5000 Deductible|
|Year Built||Home Value||Roof Type||Sqft||Number of Bedrooms||Deductible||Premium||Premium Months||Siding Type||Smoker/Non Smoker|
|1970||155,000||Wood Shake Roof||1,660||4||$2500-$5000 Deductible||110||3||Stone Siding||yes|
|2011||170,000||Metal Roof||1,730||3||$1000-$2500 Deductible||940||12||Stone Siding||yes|
|1942||320,000||Membrane Roof||2,850||5||$500- $1000 Deductible||850||6||Wood siding||No|
|1981||275,000||Membrane Roof||2,580||4||$2500-$5000 Deductible||840||9||Vinyl siding||yes|
|1984||185,000||Membrane Roof||1,670||3||$1000-$2500 Deductible||650||10||Vinyl siding||yes|
|2011||205,000||Asphalt Shingles Roof||2,010||3||$2500-$5000 Deductible||670||12||Brick siding||No|
|1981||220,000||Metal Roof||1,910||3||$500 Deductible||1060||10||Wood siding||yes|
|2014||370,000||Asphalt Shingles Roof||3,190||4||$500- $1000 Deductible||870||5||Wood siding||yes|
|1974||200,000||Metal Roof||1,720||3||$1000-$2500 Deductible||800||10||Stone Siding||yes|
|1994||300,000||Slate Shingles Roof||3,200||4||> $10,000 Deductible||440||8||Brick siding||No|
|1971||390,000||Membrane Roof||3,530||5||$500- $1000 Deductible||1700||12||Vinyl siding||yes|
|1974||240,000||Shingles Roof||2,350||3||> $10,000 Deductible||380||6||Brick siding||No|
|2013||150,000||Composition Roof||1,820||3||$1000-$2500 Deductible||700||12||Fiber-Cement Siding||No|
|2003||275,000||Composition Roof||3,370||4||$500- $1000 Deductible||710||5||Stucco siding||yes|
|1991||220,000||Slate Shingles Roof||2,730||4||$1000-$2500 Deductible||630||9||Brick siding||No|
|1981||240,000||Metal Roof||2,160||3||$500- $1000 Deductible||920||10||Stone Siding||yes|
|2001||405,000||Tile Roof||4,330||5||> $10,000 Deductible||620||6||Vinyl siding||yes|
|2007||185,000||Tile Roof||1,720||3||$500 Deductible||150||2||Vinyl siding||yes|
|1943||300,000||Composition Roof||2,580||5||> $10,000 Deductible||170||2||Fiber-Cement Siding||yes|
|2005||275,000||Tile Roof||3,110||5||$500- $1000 Deductible||1200||10||Brick siding||No|
|1984||230,000||Composition Roof||2,260||4||$1000-$2500 Deductible||240||3||Wood siding||yes|
|1996||175,000||Shingles Roof||1,670||4||$1000-$2500 Deductible||500||8||Vinyl siding||No|
|2001||370,000||Membrane Roof||3,770||5||> $10,000 Deductible||700||8||Brick siding||yes|
|1987||165,000||Membrane Roof||1,450||3||$500- $1000 Deductible||700||12||Fiber-Cement Siding||No|
|1981||280,000||Metal Roof||2,890||5||$5000 to $10,000 Deductible||50||1||Vinyl siding||No|
|1977||235,000||Shingles Roof||2,250||5||$1000-$2500 Deductible||220||2||Vinyl siding||No|
|1990||230,000||Slate Shingles Roof||2,710||4||$5000 to $10,000 Deductible||50||1||Vinyl siding||No|
|1987||120,000||Composition Roof||1,510||3||$1000-$2500 Deductible||610||12||Stone Siding||No|
|1987||430,000||Composition Roof||3,890||5||$5000 to $10,000 Deductible||1020||8||Stucco siding||No|
|1964||245,000||Slate Shingles Roof||2,392||3||$1000-$2500 Deductible||1200||7||Stone Siding||No|