Greeley Insurance Rates:

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.

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How to Save on Homeowners Insurance Rates in Greeley, CO

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.

Tips For Choosing the Cheapest Greeley, CO, Home Insurance Companies

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.


Comparing Quotes

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.

Add-on Policies

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.

Available Discounts

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 Homeowners Insurance By Home Value

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

Top Home Insurance Agents Near Greeley, CO

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

Greeley, CO Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Greeley, CO

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

Greeley, CO Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Greeley$129 to $131
Garden City$126
La Salle$128

Greeley, 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
Garden City town, Colorado $106 $141 $211
Eaton town, Colorado $109 $145 $218
La Salle town, Colorado $107 $142 $213

Greeley, 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
Greeley, CO5.3%18.9%
Garden City6.27%29.62%
La Salle5.7%22.81%

Greeley Renters Insurance as a Percentage of Rent

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

Greeley, CO Home Insurance Costs With Deductible Scenario

Low DeductibleHigh 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

Greeley, CO Home Insurance Costs With Home Replacement Value Scenarios

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

Example Greeley Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company American Family InsuranceAllstateGEICO Insurance
Monthly Premium 316961
Year Built 198919761999
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 1 Baths
Coverage Amount $125000-$150000$150000-$175000$200000-$250000
Deductible $5000 to $10,000 Deductible$500- $1000 Deductible$2500-$5000 Deductible

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

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

Latest Home Insurance Reviews

USAA will continue to provide auto insurance, life insurance, banking, and investment products to its members in Florida, as long as the state permits it to do so
Caters to the military. great customer services. easy claim process
Our premium is amazing. It will never go up if we don't have any insurance claims. It is nice to know that the insurance company we picked has out back and won't just raise our rates because all the others are doing it.
I am satisfied with our current one. We have had them so long that I cannot really compare them with other companies.
Always friendly, nice and easy to understand and talk to unlike a lot of other companies. Always English speaking without heavy accent
State Farm
I think State Farm is a reputable home insurer and I am overall impressed with my experience. I think premiums could be improved, but customer service is still quite good from the times I have dealt with them.
USAA is a great home insurance carrier because they have great service, great cost, and a lot of policy options.
We recommend USAA because they offer great service, coverage, and support at a wonderful price.
State Farm
I would recommend State Farm to anyone looking for new homeowners insurance because they have great rates, provide good service and have never given me any issues what so ever. I also like their mobile app, it makes accessing information very easy.
I rate Nationwide a 2 because they refused to cover the damage of possessions that were damage in our home.
My home insurance company calls me once a year to go over my plan and make sure it still fits my needs. I am satisfied with my conversations, they are knowledgeable and helpful.
They appear to be standard policy offerings. I don't have a major need for many intricate solutions. I have confidence if I had a need they would be able to offer it.
When compared to other home insurance company,this company provide more valuable coverage. But it's slightly favor.
American Family
I have the coverage that I need and was was relatively easy to get.
State Farm
Very good rates offered to the customer with multi products being insured. the discount is the best compared to other insurance providers.
Farmer's Insurance
My insurance company covers what i need and allows me to choose what exactly i want covered. there are some coverage policies offered by competitors that won't let you choose a le carte options which means you are paying for coverages you don't need.
Phone representatives are not always kind.
State Farm
I've never had a problem contacting the insurance company. They've always been very patient and thorough during the whole process when I've needed them.
The representatives that I have talked to were understanding and answered all of the questions that I had. All responses were either immediate or responded to with minor delays.
Safeco Insurance
I don't have any true complaints about the company. I have no bad news to report on my company.
The company is well known and gives a generous discount to children of veterans. We like this perks and will continue to use it.
My house was completely fucked up due to a natural disaster but geico aint pay me a penny
Centauri Insurance
Overall I was much satisfied with the company communication they will inform me before the due dates and they will message me as well
State Farm
The website is easy to access and easy to use. The tabs are conveniently located. The appearance is bright and friendly.
Since my agent is one of my friends, I am able to call or text her day or night and she will respond. I have never had any issues getting a hold of my agent!
My company has great rates, premiums, and customer service. since it hasn't been beaten by any other company, I'll stay with them
The company does a fine job of satisfying my current needs. They are professional and I don't feel like I am being ripped off by their premiums. I would choose them again if I had to pick from a list. They do the job well.
Farmer's Insurance
I have always had great experiences with my insurance company, Farmers. Their customer service is exemplary and has handled every issue I've ever had in a short time. I would recommend them to anyone.
American Family
I recommend this company because of the personal service and the coverage options. I feel comfortable dealing with this company and they have been extremely pleasant to work with and to address my issues.
Liberty Mutual
I have all the reasons why to have this company for your needs. They are fair, friendly and will work with you because they care
State Farm
I recommend state farm. They are knowledgeable, communicative, understanding, and affordable. They work hard to make sure that you know what your options are so that you get the coverage that is best for you without pressuring you to get more coverage than you need.
State Farm
I would not because I can think of at least 3 other companys that can easily beat the deals offered.
They're not pushy, which is really the only thing I can worry about when it comes to people selling you stuff. I am happy that they leave me alone and don't bother me unless there's a serious issue.
State Farm
I feel that this company has been very fair to me and they have treated me well while providing sufficient coverage. The agent is friendly and knowledgeable. State Farms seems to train their agents well.
as noted earlier sometimes it can be difficult to know who the right person is related to issues that cross over specific lines of responsibility: medical/structure.

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