Greeley ,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 Greeley, 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 Greeley, CO is $1935. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Greeley, CO. VHome Insurance will help you navigate the world of homeowners insurance coverages in Greeley, CO.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $774 |
| $200,000 | $1,316 |
| $300,000 | $1,625 |
| $400,000 | $2,477 |
| $500,000 | $3,115 |
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 Greeley, CO, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,984 |
| $1000 Deductible | $1,774 |
| $1500 Deductible | $1,674 |
| $2500 Deductible | $1,509 |
| $5000 Deductible | $1,277 |
| 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 |
| 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, CO | 5.3% | 18.9% |
| Garden City | 6.27% | 29.62% |
| Eaton | 5.19% | 19.02% |
| La Salle | 5.7% | 22.81% |
| 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 |
| 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 |
| Garden City | $126 |
| Eaton | $130 |
| La Salle | $128 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $800 | $1,800 |
| 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 |
|---|---|---|
| Replacement Value | $217,500 | $150,000 |
| 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 |
| Monthly Premium | 31 | 69 | 61 |
| Year Built | 1989 | 1976 | 1999 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 1 Baths | 5 Beds, 1 Baths |
| Coverage Amount | $125000-$150000 | $150000-$175000 | $200000-$250000 |
| Deductible | $5000 to $10,000 Deductible | $500- $1000 Deductible | $2500-$5000 Deductible |