Highlands Ranch Insurance Rates:

Highlands Ranch, CO homeowners insurance is nearly $777 to $1,054, about $64-$87/month. Our detailed guide reveals consumers can save as much as $366 by comparing different 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

USAA has a countless offering of insurance for the home and/or rental. So much so that there are almost too many.
I would definitely recommend this to my families and friends because of there great policies .I will rate them as 4
USAA is the best i believe with policy offerings because they really give you flexible payment plan. Which i consider convenient and hassle free, Plus they have plenty of option they can offer for your convenient.
I would recommend USAA because of their customer service. I would also recommend based on low premium. I would recommend due to their unique offerings and options.
I would recommend progressive insurance to anyone looking for insurance. They provide a lot of coverages to meet you needs as reasonable prices. The online services and apps are very useful and easy to use.
I would recommend USAA because it takes care of my and makes me feel secure. I know that if something happens I will be covered.
Our deductible is reasonable and was one of the selling points to go with Allstate. We were comfortable with the amount we would need to have on hand and what that allowed us to have coverage for as well.
My home insurance compares very well with other companies in what coverage it provides.
Liberty Mutual
I would recommend this company because they were able to fill all my needs and do it at a much lower rate. Good customer service
State Farm
I can recommend them as far as coverage is concerned. they will write policies on newer homes or homes that been remodeled. Again an insurance company that will write policies in my are is hard to come by.
State Farm
My premium and deductible are very competitive. They don't have the lowest rates but with what they are offering along with everything else it's not even close.
The company is great as far as correspondence through e-mail and website information . However they are slow to follow-up with claims and often can take at least three weeks to hear back from the branch I do business with.
The policy that Allstate offers compared to other companies are really good. You really do get the best bang for your buck.
Farmer's Insurance
We have been with farmers for the entire time we have had home insurance. We had a few storms roll through I needed to submit claims for our roofs damage along with some other property damages over the years.
I have nothing negative to say about Travelers, so I would recommend them for home insurance. Every dealing with them thus far has been positive.
I do not recommend trying to use their reward program system. it truly is not accepted and is a hassle just to get anything redeemed if you have a technical issue or internet goes out in the middle.
The pricing we have found has been incomparable to other companies, however, we have found that offering the same amount of coverage.
I believe in the company and enjoy that is is owned by the customers and have never had a negative interaction with them.
Easy to use and navigate. Each section is outlined and user-friendly. Contact information readily available if I have questions that I cannot find the answer to, the website was very helpful with the answers
Centauri Insurance
I am sure about the premium compared to other insurance companies as its been many years and I didn't change my insurance. However, if I search il get a better deal for sure.
Overall, the premiums for all home insurance policies seem high, however, USAA's was the most affordable for us in our area.
USAA has a lot of things to offer for not only homeowners insurance but other types of policies. They also have worked with us to help reduce our premium based on what we really need.
The Hartford
If you want stability, reliablity, and a friendly company then choose Hartford. If you want price alone then you will have to go somewhere else after shopping around for the best deal.
I would recommend this insurance company because of its consistent excellence in many areas and also it is one of the leaders in the field. It is highly recommendable.
We bundle auto and home with Progressive so rates seem a little high, but not exorbitantly so. In this light, I guess I also have to go with a 3.
State Farm
I haven't had the chance to really compare rates lately; however, last time I checked, about a year ago, they were extremely competitive.
They are a reliable company and I bundle my home and auto to receive discounts. They respond quickly when you have a question and are very helpful.

Highlands Ranch, CO Homeowners Insurance By Home Value

Highlands Ranch, CO Home Value Total Homes % of Total Average Highlands Ranch, CO Homeowners Insurance
$150,000 to $174,999 258 1.0% $439
$175,000 to $199,999 254 1.0% $512
$200,000 to $249,999 3,747 18.0% $613
$250,000 to $299,999 6,594 33.0% $750
$300,000 to $399,999 8,529 42.0% $960

Top Home Insurance Agents Near Highlands Ranch, CO

Home Insurance Company Near Highlands Ranch, CO Homeowners Insurance Agency Near Highlands Ranch, CO Address
Travelers Atrium Ins Group Inc 6970 S HOLLY CIR STE 104, CENTENNIAL, CO, 80112
Farmers Cindy Miller 1240 Ken Pratt Blvd Ste 6b, Longmont, CO, 80501
Allstate Denny Davis 12500 W 58th Ave Unit 200, Arvada, CO, 80002
Liberty Mutual Melissa Gonzales 10901 W. 120Th Avenue Suite 190, Broomfield, CO, 80021
Liberty Mutual Independent Willis Of Colorado Inc 2000 S COLORADO BLVD STE 900, DENVER, CO, 80222

Highlands Ranch, CO Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Highlands Ranch, CO

Streets in Highlands Ranch Area Homeowners Insurance Cost
S Wiltshire Dr, Ridgemont Cir, Southshire Rd, S Princeton St, Flowerburst Ct, Sedge Grass Way, Chatswood Trl, Cliffrose Way, Silver Mesa Dr, S Stratford Ln$904
S Salem Ct, W Montview Ln, Westbury Way, Fox Hunt Cir, Canyonbrook Way, S Strathfield Ct, E Kingston Ave, S Rockhampton Way, E Brookwood Ct, S Blue Mountain Pl$898
Aravon Ct, S Mountain Maple Ct, Stonington St, S Burberry Way, S Fox Fire Dr, W Mulberry Ln, E Miners Ct, S Sand Hill Trl, Chadsworth Pt, Hyacinth Pl$896
Foxridge Trl, S Hagen Ct, Garnet Pl, Wildfield Ln, Sundial Rim Rd, S Balsam Ct, S Roadrunner Dr, S Monaco St, Thistle Ridge Cir, S Miners Pl$899
Coachlight Way, Applebrook Ln, W White Oak Trl, E Stratford Way, S Snowbunting Ct, Sturbridge Dr, S Silver Maple Cir, W Bucknell Ct, Burgundy St, E Bexley St$920
Rockbridge Dr, N Main St, Shadecrest Pt, S Merimbula St, Co Rd 20, Sori Ln, Fox Fire Ln, S Clifton Ct, Crooked Stick Pl, Heatherglen Ct$1,004
Indian Paintbrush Dr, Pasque Flower Way, White Bay Dr, S Foothills Canyon Blvd, Glengate Loop, S Golden Eagle Dr, S Westridge Knolls Ln, S Wyecliff Dr, W English Sparrow Dr, S Whitecliff Pl$902
S Miners Dr, Commerce Center Cir, W Fendlebrush St, Skyreach Way, W Cactus Bluff Pl, Fawnbrook Ln, E Hughes St, S Millstone Ct, S Fox Fire St, Winterthur Cir$904
Harvard Dr, E Millstone St, Astorbrook Ln, Co Rd 24, Aldershot Ct, Cascade Ct, Meadowvale Cir, Victor St, W Sylvestor Rd, S Princeton Cir$902
Fullerton Ln, Anasazi Indian Way, Golden Eagle Dr, Knoll Dr, S Nickolas Ave, E Fall Ln, Timberchase Pointe, Atwood Cir, S Rotherwood Cir, Norwood Dr$937

Highlands Ranch, CO Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Highlands Ranch$137 to $139
Acres Green$132
Southwest Arapahoe$135

Highlands Ranch, 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
Acres Green CDP, Colorado $132 $176 $264
Littleton city, Colorado $134 $179 $269
Southwest Arapahoe CCD, Arapahoe County, Colorado $135 $180 $270

Highlands Ranch, 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
Highlands Ranch, CO3.6%14.9%
Acres Green4.31%17.71%
Southwest Arapahoe4.19%15.14%

Highlands Ranch Renters Insurance as a Percentage of Rent

Highlands Ranch Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 136 2.0% $1908
$750 to $999 772 12.0% $2658
$1,000 to $1,499 2,433 38.0% $3783
$1,500 or more 2,922 46.0% $5433

Average Cost Of Home Insurance By Company In Areas Nearby Highlands Ranch For Different Scenarios

Structure Type Deductible Company Premium
Masonry $500 Country Mutual Insurance Company $2,433
Masonry $500 California Casualty Indemnity Exchange $1,910
Masonry $500 Colorado Farm Bureau Mutual Insurance $1,693
Frame $500 Farmers Alliance Mutual Insurance Company $1,190
Frame $500 Horace Mann Insurance Company $1,182
Masonry $500 Horace Mann Property & Casualty Insurance Company $1,412
Masonry $500 Metropolitan Direct Property And Casualty Insurance Company $1,816
Frame $500 Shelter Mutual Insurance Company $2,014
Frame $500 The Cincinnati Insurance Company $1,402
Masonry $500 United Fire & Cas Co $1,089

Highlands Ranch, CO Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Highlands Ranch Homeowner Insurance Premium Example $2,700$2,200
Out of Pocket Expense During Claim$1,500$4,500
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $23,100$22,100
Net Savings to Highlands Ranch Home Owner from High Deductible Plan $1,000

Highlands Ranch, CO Home Insurance Costs With Home Replacement Value Scenarios

Scenario Highlands Ranch, CO Home Replacement Value MORE than Home Value Highlands Ranch, CO Home Replacement Value LESS than Home Value
Replacement Value $320,500 $244,000
Insurance Premium based on Replacement Value $1,450 $1,100
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $30,000 Risk Exposure from Under Insuring Coverage is $46,500
Premium Impact Insurance cheaper by $225/year Insurance costlier by $125/year

Example Highlands Ranch Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceLiberty MutualGEICO Insurance
Monthly Premium 103158153
Year Built 200419922011
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths5 Beds, 2 Baths
Coverage Amount $400000-$500000$400000-$500000$400000-$500000
Deductible > $10,000 Deductible$2500-$5000 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2012 380,000 Tile Roof 1,910 4 > $10,000 Deductible 680 8 Fiber-Cement Siding No
2010 610,000 Tile Roof 3,090 5 $500- $1000 Deductible 840 4 Wood siding No
2006 465,000 Wood Shake Roof 2,500 4 $1000-$2500 Deductible 1050 7 Wood siding yes
2010 395,000 Slate Shingles Roof 2,090 3 $500 Deductible 1320 8 Brick siding No
2011 885,000 Asphalt Shingles Roof 4,810 5 $500 Deductible 1490 5 Stone Siding yes
2004 470,000 Slate Shingles Roof 3,180 5 $500 Deductible 730 4 Vinyl siding No
2004 290,000 Slate Shingles Roof 1,950 3 $1000-$2500 Deductible 580 6 Wood siding No
1993 580,000 Slate Shingles Roof 3,400 4 $2500-$5000 Deductible 910 7 Wood siding yes
2012 400,000 Metal Roof 2,550 4 $500 Deductible 780 5 Vinyl siding yes
2006 265,000 Composition Roof 1,570 3 > $10,000 Deductible 720 12 Fiber-Cement Siding No
2012 545,000 Wood Shake Roof 2,810 5 $5000 to $10,000 Deductible 540 3 Wood siding yes
2014 365,000 Tile Roof 1,860 5 $500 Deductible 1580 12 Brick siding No
2006 930,000 Shingles Roof 4,900 5 $1000-$2500 Deductible 1140 4 Wood siding No
2006 255,000 Tile Roof 1,380 3 $1000-$2500 Deductible 900 12 Vinyl siding No
2014 235,000 Asphalt Shingles Roof 1,290 3 $500 Deductible 330 4 Vinyl siding No
1999 475,000 Metal Roof 2,370 4 $5000 to $10,000 Deductible 340 2 Stucco siding yes
2012 320,000 Tile Roof 1,610 3 $500 Deductible 740 7 Brick siding No
2003 230,000 Shingles Roof 1,610 4 $1000-$2500 Deductible 480 8 Vinyl siding yes
2007 405,000 Composition Roof 2,110 4 > $10,000 Deductible 250 3 Fiber-Cement Siding yes
2014 410,000 Wood Shake Roof 2,800 4 > $10,000 Deductible 320 4 Brick siding yes
2000 925,000 Metal Roof 4,690 5 > $10,000 Deductible 490 2 Fiber-Cement Siding yes
2013 265,000 Membrane Roof 1,610 3 $5000 to $10,000 Deductible 130 2 Fiber-Cement Siding yes
2014 210,000 Tile Roof 1,420 3 $500 Deductible 1260 12 Stone Siding No
1997 275,000 Membrane Roof 1,990 4 $2500-$5000 Deductible 950 9 Brick siding yes
2010 460,000 Wood Shake Roof 2,650 4 $500- $1000 Deductible 1440 7 Vinyl siding No
2014 220,000 Asphalt Shingles Roof 1,330 3 $500 Deductible 730 8 Stucco siding No
2009 335,000 Metal Roof 1,920 4 $2500-$5000 Deductible 320 3 Fiber-Cement Siding No
1992 305,000 Metal Roof 2,000 4 > $10,000 Deductible 440 6 Brick siding No
2004 420,000 Composition Roof 3,010 5 $500 Deductible 860 6 Stucco siding No
2012 435,000 Tile Roof 3,210 4 $500 Deductible 1950 9 Stucco siding No
1997 450,000 Metal Roof 2,370 4 $5000 to $10,000 Deductible 890 8 Stone Siding No
2013 330,000 Tile Roof 2,320 4 $500 Deductible 950 9 Wood siding yes
1992 335,000 Asphalt Shingles Roof 1,710 3 > $10,000 Deductible 490 6 Vinyl siding No

How To Make Your Highlands Ranch, CO Home Insurance Cheaper

How Much Does Highlands Ranch, CO Home Insurance Cost?