Lakewood Insurance Rates:

Lakewood, CO homeowners insurance is approximately $753 to $1,019, about $62-$84/month. Our complete guide reveals consumers can save upto $354 by comparing many 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

I am not sure what others offer, I have been with the same insurance company and agent since for over 20 years.
I would highly recommend and have recommended this company to others.They have amazing customer service and are great with getting you the lowest rates possible.
I rate them a 1. I only have insurance because somebody makes me as it is useless. When I got the quote it was the lowest so I purchased it at which point they raised the price.
State Farm
I would recommend this company for homes because for the past 10 years they have serviced me well. I have utilized and benefited from their services greatly and don't intend on leaving their insurance company.
USAA is a full service provider who has not given us the slightest reason to doubt their worth. If you have USAA as an option, be sure to take their services seriously.
Great customer service and availability. I also use them for my car insurance and get a discount for having two services through them.
I would recommend because they are very responsive for all inquiries which makes me stay with them.
Premium seems to be reasonable. At times I've seen them increase without my knowledge. I had to go in and adjust myself which was annoying.
My insurance company has the same range of products that other insurance companies have - I can set my deductible and chose what special features I want in the plan.
As my insurance company for home and auto, i enjoy the ease with which my claims are handled and the convenience of online or using their 800 number as a member.
State Farm
The state farm's insurance prices are absolutely high.each time, they continue to raise the price customers are becoming more aggressive.
I do not have many positive things to say about allstate at the moment. i have spoken to one nice agent so far
Safeco Insurance
It is important to have earthquake insurance in my area since it is prone to earthquakes.
Liberty Mutual
When I shopped for insurance, some companies were as high as $2000.00 a year for the same coverage and same deductible. Liberty Mutual was definitely the lowest.
The premium with USAA is much lower than all the other companies that we looked at for comparison
They are responsive and always resolve my problems. We've had to file multiple claims with them over the years, and they've never raised our rates. There's nothing I don't like
Farmer's Insurance
It is cheap and rolled into my mortgage, so that is nice
My overall dislike about my insurance provider is much harder to outline, however, if I could change anything about the provider it would be the online sign-in process on a desktop/laptop. The interaction through mobile is much easier to navigate and faster to navigate.
State Farm
I like that there are a lot of different agents. I also like that you can call State Farm at anytime because they have a 1-800 number to help you.
California Casualty
I had the same agent for about 30 years. He recently retired and my new agent is young, pretty and very eager to assist me. I like her a lot and expect that all things insurance related will go well.
There isn't really anything I can think of that makes me dislike the company. I'm happy with my experiences so far, knock on wood.
I hate that they are not local. Their phone service is great but sometimes doing things face to face has value. That is the only shortcoming that I have experienced. I think they do a good job compensating for the phone thing.
I feel like I don't necessarily get the lowest rate with my company. But I feel like I'm paying for quality and customer service. I'm not just a number. It feels like they truly care about me as a customer, whereas other companies could care less if I was a customer or not.
The only thing I like about the company is that the policy is reasonably priced and seems to cover everything we may need to cover. I'd like a lower hurricane deductible, but I'm not likely to get it, because I live 20 miles away from the Gulf of Mexico. I've heard some people say that they're likely to drop you after the first claim has been processed.
I would like more ways to lower my premiums. They do not offer a wide enough selection of ways to lower costs. If they did this I would be even happier and would recommend them to anyone.
Liberty Mutual
I would recommend my home insurance because I have not had any problems with them. At the same time I would not go out of my way to recommend them, since I have never experienced an instance where I would need to make a claim. I don't know how well they will do in such a circumstance.
State Farm
I had a bad experience when need to put a claim in for my renter's insurance when I had a robbery at my place. They refused to pay and brought in their lawyer to interrogate me when I was the victim of a crime.
The price is very similar to the other policies I compared it to and so is the coverage. I did feel the premium was a little expensive.
Liberty Mutual
I had a real problem when my car broke down late at night on a dark highway. I called their emergency number to get a tow truck. It was a disaster. The girl had no clue how to help me. Ended up call a local tow truck. I called LM the next day and went off on them. They apologized and said they would address the issue. Not sure if they have done that yet. The company tv commercials are really bad and they need to find a new ad firm. I think I dislike that about the company more than ANYTHING!
American Family
As I said before I like everything about the company, especially its good and fast attention both to the client and when it is necessary to solve a problem
Safeco Insurance
I like how they are the cheapest and have always answered right away and answered any of the questions I've had. Other companies called me back weeks after I called.

Lakewood, CO Homeowners Insurance By Home Value

Lakewood, CO Home Value Total Homes % of Total Average Lakewood, CO Homeowners Insurance
Less than $50,000 920 2.0% $88
$80,000 to $89,999 418 1.0% $310
$90,000 to $99,999 430 1.0% $345
$100,000 to $124,999 1,462 4.0% $407
$125,000 to $149,999 2,159 6.0% $505
$150,000 to $174,999 2,901 9.0% $602
$175,000 to $199,999 2,768 8.0% $691
$200,000 to $249,999 8,334 26.0% $832
$250,000 to $299,999 6,710 20.0% $1018
$300,000 to $399,999 5,475 17.0% $1302

Top Home Insurance Agents Near Lakewood, CO

Home Insurance Company Near Lakewood, CO Homeowners Insurance Agency Near Lakewood, CO Address
NA David Rohweder Agency 8925 Greenspointe Ln Hghlnds Ranch, Littleton, CO, 80130
Farmers Melissa Cohen 3004 Folsom St, Boulder, CO, 80304
Liberty Mutual Independent School Ins Agency Llc 6767 S SPRUCE ST STE 145, CENTENNIAL, CO, 80112
Travelers Squires Insurance Services Llc 11471 DARK STAR WAY, PARKER, CO, 80138
Farmers Stacey Downen 6635 S Dayton St Ste 340, Greenwood Village, CO, 80111

Lakewood, CO Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Lakewood, CO

Streets in Lakewood Area Homeowners Insurance Cost
W Cedar Dr, S Otis St, W New Mexico Ave, Union Blvd, S Urban St, W Wesley Cir, S Simms Ct, W Baltic Ave, Morningside Dr, S Braun Ct$899
W 11th Dr, W Colorado Ln, W Grant Ranch Blvd, S Kline Cir, S Urban Dr, 26th Ave, Lupine Ct, W Archer Dr, Lee Ln, W Arlington Dr$957
W 23rd Cir, W Swarthmore Dr, W Louisiana Pl, S Ingalls Ct, S Swadley St, W Radcliffe Pl, W 20th Pl, W Utah Ave, W Auburn Ave, Pike St$882
Denver West Ct, Glen Bar Dr, Denver West Blvd, Willow Ln, W 32nd Pl, S Swadley St, W Tufts Ave, S Vancouver Ct, Newcombe Dr, Kilmer St$928
Darlee Ct, W Dartmouth Ave, W Arlington Way, W 28th Pl, Applewood Dr, S Vivian Way, W Yale Pl, S Braun Ct, W Exposition Pl, W Security Ave$880
S Loveland Ct, Denver West-Marriott Blvd, W 12th Ln, Bayaud Ct, E St, S Zinnia Way, Joyce Way, W 30th Dr, S Braun Ct, W Prentice Ave$939
W Grand Ave, W Hialeah Pl, W New Mexico Pl, W Brandt Dr, Red Rocks Business Dr, W Texas Ave, Turkey Creek Rd, Ellis Way, W Wesley Dr, W Maple Pl$922
Rooney Rd, W 7th Pl, W Layton Dr, S Coors Dr, Co Rd 116, S Ellis Ct, W Calahan Ave, W 13th Pl, Cornell Pl, Lakewood Pl$923
W Wesley Ct, W Florida Pl, S Fig St, W Cedar Pl, S Manor Ln, Rosewood Dr, W Dorado Pl, W Brandt Ave, Park Ln, S Depew Dr$924
W Glen Moor Pkwy, S Youngfield Pl, Nile St, W Bear Creek Dr, W Iliff Dr, W Maple Dr, Pikeview St, W Hampden Svc Rd, W Quincy Dr, Broadview Dr$886

Lakewood, CO Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Lakewood$132 to $135
East Pleasant View$134
Northeast Jefferson$133
West Pleasant View$130

Lakewood, 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
East Pleasant View CDP, Colorado $112 $149 $224
Northeast Jefferson CCD, Jefferson County, Colorado $111 $147 $221
West Pleasant View CDP, Colorado $109 $145 $218

Lakewood, 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
Lakewood, CO4.6%16.7%
Northeast Jefferson4.35%16.88%
West Pleasant View5.1%16.04%

Lakewood Renters Insurance as a Percentage of Rent

Lakewood Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 933 3.0% $1247
$500 to $749 5,031 19.0% $1922
$750 to $999 8,471 33.0% $2672
$1,000 to $1,499 8,051 31.0% $3797
$1,500 or more 2,421 9.0% $5447

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

Structure Type Deductible Company Premium
Masonry $500 Electric Insurance Company $2,337
Frame $500 Esurance Insurance Company $1,340
Masonry $500 Farmers Alliance Mutual Insurance Company $1,166
Frame $500 Farmers Insurance Exchange $3,267
Masonry $500 Farmers Insurance Exchange $2,683
Frame $500 Mountain Valley Indemnity Company $983
Masonry $500 Secura Ins A Mut Co $1,558
Masonry $500 Trumbull Insurance Company $1,754

Lakewood, CO Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Lakewood Homeowner Insurance Premium Example $700$500
Out of Pocket Expense During Claim$1,600$2,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $7,200$6,600
Net Savings to Lakewood Home Owner from High Deductible Plan $600

Lakewood, CO Home Insurance Costs With Home Replacement Value Scenarios

Scenario Lakewood, CO Home Replacement Value MORE than Home Value Lakewood, CO Home Replacement Value LESS than Home Value
Replacement Value $273,500 $206,500
Insurance Premium based on Replacement Value $1,275 $975
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $42,000 Risk Exposure from Under Insuring Coverage is $25,000
Premium Impact Insurance cheaper by $100/year Insurance costlier by $200/year

Example Lakewood Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company American Family InsuranceState FarmAmica Mutual Insurance Company
Monthly Premium 487085
Year Built 197420081961
Home Details 4 Beds, 1 Baths3 Beds, 1 Baths5 Beds, 4 Baths
Coverage Amount $175000-$200000$200000-$250000$250000-$300000
Deductible $2500-$5000 Deductible$5000 to $10,000 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1983 400,000 Metal Roof 3,200 4 $500- $1000 Deductible 1310 9 Fiber-Cement Siding No
1999 570,000 Composition Roof 4,180 5 > $10,000 Deductible 610 5 Wood siding yes
1994 205,000 Composition Roof 1,460 2 $500 Deductible 750 10 Wood siding No
1997 130,000 Membrane Roof 1,210 3 $2500-$5000 Deductible 330 6 Wood siding yes
1970 150,000 Asphalt Shingles Roof 1,270 2 $500- $1000 Deductible 170 3 Wood siding No
1989 360,000 Wood Shake Roof 2,650 5 > $10,000 Deductible 270 4 Brick siding yes
1994 460,000 Shingles Roof 3,210 5 $5000 to $10,000 Deductible 1160 7 Stucco siding yes
1978 130,000 Tile Roof 1,040 2 $500 Deductible 270 5 Stone Siding yes
1978 170,000 Slate Shingles Roof 1,400 2 $1000-$2500 Deductible 650 12 Stone Siding No
1981 260,000 Slate Shingles Roof 2,330 4 $5000 to $10,000 Deductible 170 3 Fiber-Cement Siding No
1978 195,000 Composition Roof 1,720 2 $500 Deductible 150 2 Wood siding No
2008 320,000 Membrane Roof 2,080 4 $500 Deductible 1020 9 Stone Siding No
1978 165,000 Tile Roof 1,230 2 $5000 to $10,000 Deductible 240 4 Stucco siding No
1973 225,000 Slate Shingles Roof 2,060 3 $500- $1000 Deductible 190 2 Brick siding yes
2007 300,000 Membrane Roof 2,120 3 $2500-$5000 Deductible 380 5 Stone Siding No
1988 270,000 Tile Roof 1,940 3 $500- $1000 Deductible 670 10 Wood siding No
2000 330,000 Membrane Roof 2,310 3 > $10,000 Deductible 400 5 Stucco siding yes
1990 180,000 Wood Shake Roof 1,380 2 $5000 to $10,000 Deductible 550 10 Stone Siding No
1998 180,000 Shingles Roof 1,640 3 $2500-$5000 Deductible 250 5 Wood siding yes
1965 205,000 Tile Roof 1,360 2 $2500-$5000 Deductible 500 9 Stucco siding yes
1985 105,000 Membrane Roof 910 2 $1000-$2500 Deductible 80 2 Fiber-Cement Siding No
1968 190,000 Tile Roof 1,720 3 $2500-$5000 Deductible 500 12 Brick siding No
2009 210,000 Shingles Roof 1,550 3 $2500-$5000 Deductible 680 10 Stucco siding yes
2006 270,000 Metal Roof 2,190 3 $500 Deductible 1150 9 Fiber-Cement Siding No
1968 230,000 Membrane Roof 2,170 3 $5000 to $10,000 Deductible 460 7 Fiber-Cement Siding yes
1972 165,000 Tile Roof 1,130 2 $2500-$5000 Deductible 210 4 Vinyl siding No
1976 505,000 Wood Shake Roof 4,460 5 $2500-$5000 Deductible 1180 8 Stone Siding No
1979 135,000 Membrane Roof 1,090 2 $500- $1000 Deductible 520 9 Fiber-Cement Siding No
1989 235,000 Tile Roof 1,880 4 $2500-$5000 Deductible 550 9 Fiber-Cement Siding yes
1988 315,000 Slate Shingles Roof 2,070 4 $5000 to $10,000 Deductible 530 5 Stone Siding No
1970 400,000 Metal Roof 2,232 3 $2500-$5000 Deductible 390 2 Stone Siding yes

How To Make Your Lakewood, CO Home Insurance Cheaper

How Much Does Lakewood, CO Home Insurance Cost?