Greeley, CO Home Insurance - Analysis On Quotes, Rates & Agents
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.
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
| Place | Savings For Senior Occupied Homes |
|---|---|
| Greeley | $129 to $131 |
| Garden City | $126 |
| Eaton | $130 |
| 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
| 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 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 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 | |
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 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 |
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
UsaaUSAA 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
UsaaCaters to the military. great customer services. easy claim process
AllstateOur 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.
ProgressiveI am satisfied with our current one. We have had them so long that I cannot really compare them with other companies.
UsaaAlways friendly, nice and easy to understand and talk to unlike a lot of other companies. Always English speaking without heavy accent
State FarmI 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.
UsaaUSAA is a great home insurance carrier because they have great service, great cost, and a lot of policy options.
UsaaWe recommend USAA because they offer great service, coverage, and support at a wonderful price.
State FarmI 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.
NationwideI rate Nationwide a 2 because they refused to cover the damage of possessions that were damage in our home.
AllstateMy 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.
TravelersThey 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.
TravelersWhen compared to other home insurance company,this company provide more valuable coverage. But it's slightly favor.
American FamilyI have the coverage that I need and was was relatively easy to get.
State FarmVery good rates offered to the customer with multi products being insured. the discount is the best compared to other insurance providers.
Farmer's InsuranceMy 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.
GeicoPhone representatives are not always kind.
State FarmI'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.
ProgressiveThe 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 InsuranceI don't have any true complaints about the company. I have no bad news to report on my company.
UsaaThe company is well known and gives a generous discount to children of veterans. We like this perks and will continue to use it.
GeicoMy house was completely fucked up due to a natural disaster but geico aint pay me a penny
Centauri InsuranceOverall I was much satisfied with the company communication they will inform me before the due dates and they will message me as well
State FarmThe website is easy to access and easy to use. The tabs are conveniently located. The appearance is bright and friendly.
UsaaSince 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!
UsaaMy company has great rates, premiums, and customer service. since it hasn't been beaten by any other company, I'll stay with them
AllstateThe 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 InsuranceI 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 FamilyI 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 MutualI 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 FarmI 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 FarmI would not because I can think of at least 3 other companys that can easily beat the deals offered.
AllstateThey'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 FarmI 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.
Usaaas 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.