Homeowners Insurance Colorado

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Average Homeowners Insurance in Colorado: $900

Median Home Price in Colorado: $285,000

Colorado homeowners insurance rates in December 2013 stood at an average of $900 as compared to $900 in November 2013.

Insurance Premium Saving Tips in Colorado

  • Bundle your insurance:

    Bundling home and car insurance in Colorado with the same provider will have approximately $90 to $135 of savings in Colorado

  • Safety Systems:

    Having safety systems at home can save up to $158 in Colorado

  • New Home:

    If your home was built within the past 10 years in Colorado, you could save up to $180

  • Senior Discounts:

    Senior citizens (55 or older) in Colorado could save approximately $180

Homeowners insurance cost by coverage

Insurance rangeAverage homeowners insurance cost($)
$49,999 and Under573
$50,000 to $74,999612
$75,000 to $99,999752
$100,000 to $124,999829
$125,000 to $149,999888
$150,000 to $174,999944
$175,000 to $199,9991,010
$200,000 to $299,9991,154
$300,000 to $399,9991,380
$400,000 to $499,9991,606
$500,000 and Over2,326

Renters insurance cost by coverage

Insurance rangeAverage renters insurance cost($)
$13,999 and Under131
$14,000 to $19,999142
$20,000 to $25,999154
$26,000 to $31,999165
$32,000 to $37,999158
$38,000 to $43,999175
$44,000 to $49,999170
$50,000 to $74,999196
$75,000 to $99,999 237
$100,000 and Over391

Average homeowners insurance by county

CountyHome Insurance Cost
Archuleta County$762 to $1043
Montezuma County$737 to $1003
Mineral County$753 to $1041
Prowers County$711 to $963
Washington County$717 to $975
Dolores County$717 to $981
Sedgwick County$709 to $964
Bent County$705 to $960
Otero County$713 to $966
Las Animas County$724 to $987
Moffat County$736 to $1001
Logan County$720 to $977
Rio Grande County$722 to $986
Cheyenne County$709 to $963
Alamosa County$720 to $985
Baca County$707 to $960
Pitkin County$831 to $1181
Lincoln County$715 to $974
Ouray County$788 to $1086
Conejos County$716 to $972
Douglas County$915 to $917
Eagle County$957 to $975
Denver County$887 to $889
Elbert County$913 to $919
Custer County$872 to $890
Crowley County$834 to $838
Costilla County$834 to $843
Delta County$871 to $876
Gilpin County$893 to $914
Boulder County$921 to $923
Broomfield County$895 to $900
Chaffee County$887 to $896
Clear Creek County$892 to $905
Arapahoe County$883 to $884
Adams County$869 to $870
Routt County$928 to $950
Pueblo County$854 to $856
Rio Blanco County$871 to $884
Saguache County$847 to $857
Mesa County$878 to $880
Summit County$949 to $963
San Miguel County$948 to $983
San Juan County$879 to $896
Teller County$879 to $887
Larimer County$887 to $888
Kit Carson County$844 to $851
Kiowa County$831 to $838
La Plata County$914 to $920
Lake County$859 to $865
Weld County$870 to $872
Yuma County$844 to $854
Jackson County$842 to $855
Huerfano County$853 to $869
Hinsdale County$875 to $905
Gunnison County$905 to $923
El Paso County$878 to $880
Fremont County$860 to $863
Garfield County$906 to $919
Grand County$893 to $906
Park County$886 to $893
Phillips County$848 to $853
Montrose County$871 to $877
Morgan County$852 to $857
Jefferson County$892 to $894

Recent home insurance reviews

Company: Allstate,
Location: Northern Colorado, north of Wellington, CO 80549

I am reviewing my Homeowners Insurance with Allstate. Currently I carry insurance on my main residence and barn along with coverage for personal property. I am located in Northern Colorado, north of Wellington, CO 80549.
I have had my insurance with this company for 30+ years and have been very satisfied with them. My agent is very helpful and handles my questions promptly and courteously. I wish that their office was closer to me is on the far south end of Fort Collins.
I am a 62 year old widowed female. The house is an older model Redmond modular. It was purchased used and is 30+ years old. It has a metal roof (new) and sits on a engineered concrete foundation. The house consists of approx. 1500 square feet, three bedrooms, two bathrooms, kitchen and living room. The nearest fire station is Wellington Volunteer Fire House (7 miles) or the Rawhide Power Plant Fire crew (3 miles). Rawhide's fire dept. is primarily in house only, but they do respond to wildfires. My house and auto insurance are bundled for greater savings. The deductible is $1000.00. There is no swimming pool and the gate and front entrance are monitored.

Home Insurance Monthly Trends

The below graph compares Colorados home median prices against, renters and owners home insurance average rates in Colorado.

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