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.

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Latest Home Insurance Reviews

Usaa
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.
Allstate
I do not have many positive things to say about allstate at the moment. i have spoken to one nice agent so far

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

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%
Applewood3.8%14.36%

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
Deductible$1,600$2,600
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
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