Littleton Insurance Rates:

Littleton, CO homeowners insurance is approximately $760 to $1,030, about $63-$85/month. Our detailed guide indicates shoppers can save as much as $358 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Average Cost of Homeowners Insurance in Littleton, CO

The average cost of home insurance in Littleton, CO, is $1585. As a homeowner in Littleton, CO, it is important to have homeowners insurance to protect your home and belongings in the event of a covered loss. Homeowners insurance can help pay to repair or replace your home and belongings if they are damaged or destroyed by a covered event, such as a fire, windstorm, theft, or vandalism. It can also help pay for temporary living expenses if your home is uninhabitable after a covered loss. In addition, homeowners insurance can provide liability coverage if someone is injured on your property or if you are sued for damages.

When it comes to protecting your home, you can never be too careful. To secure your most significant investment, you should take all necessary precautions before purchasing homeowners insurance. There are various choices available when it comes time to get coverage. It is challenging to select the insurance plan that best suits your needs. Keep the following points in mind when looking for homeowners insurance in Littleton, Colorado.

1. Cost of Insurance Based on the Coverage Level in Littleton, CO

As your home insurance agent in Littleton, CO, we often get asked how the coverage level affects homeowners insurance costs. The answer is that it depends on the home and your chosen coverage level. For example, a house with many valuable items may need a higher coverage level to insure everything. On the other hand, a home with less valuable items may get by with a lower coverage level. It also depends on the type of home you have. If you have a newer home, it may need less coverage than an older home. This is because newer homes are usually built to higher standards and are less likely to have problems. For instance, homeowners in Littleton, Colorado, paying a coverage of $200K, pay $931 for home insurance. In Littleton, Colorado, homeowners typically opt for coverage between $100K and $300K, which costs $462 and $1799, respectively.

2. Cost of Insurance Based on the Deductibles in Littleton, CO

Your deductible is the amount you will pay out-of-pocket before your insurance coverage kicks in. In other words, if you are in an accident and your damages are $5,000 and your deductible is $1,000, you will pay the first $1,000, and your insurance will cover the remaining $4,000. The higher your deductible, the lower your premium will be. This is because you are taking on more financial risk if you are in an accident. However, you need to be careful not to set your deductible too high, as you may not be able to afford to pay it if you are in an accident. In Littleton, Colorado, homeowners who choose a $500 low deductible pay $1565.98 for homeowners insurance. In contrast, homeowners in Littleton, Colorado, who choose a high deductible of $2500 pay $1138.03 for their house insurance.

3. Cost of Home Insurance Based on the Age of the Home in Littleton, CO

As the age of a home in Littleton, CO, increases, so does the home insurance cost. This is because insurance companies consider older homes to be riskier to insure. Older homes are more likely to have outdated electrical and plumbing systems, and they are more likely to suffer from weather damage. As a result, homeowners insurance rates for older homes are typically higher than for newer homes. In Littleton, Colorado, homes older than 30 and 50 years cost $1608.77 and $1645.23 in homeowners insurance, respectively. On the other hand, newly built homes are less likely to sustain damage, and home insurance companies give them large discounts. For instance, Littleton, Colorado, offers lower insurance rates of $1252.15 for newly constructed homes.

Littleton, CO Homeowners Insurance By Home Value

Littleton, CO Home Value Total Homes % of Total Average Littleton, CO Homeowners Insurance
Less than $50,000 401 4.0% $80
$90,000 to $99,999 98 1.0% $313
$100,000 to $124,999 202 2.0% $366
$125,000 to $149,999 362 3.0% $456
$150,000 to $174,999 692 7.0% $537
$175,000 to $199,999 777 8.0% $626
$200,000 to $249,999 2,415 26.0% $751
$250,000 to $299,999 1,989 21.0% $921
$300,000 to $399,999 2,053 22.0% $1163

Top Home Insurance Agents Near Littleton, CO

Home Insurance Company Near Littleton, CO Homeowners Insurance Agency Near Littleton, CO Address
NA Alliance General Insurance Agency 2696 S Colorado Blvd Ste 330, Denver, CO, 80222
Farmers Bryce Babcock 1021 E South Boulder Rd Ste Q, Louisville, CO, 80027
Farmers Edward Lucero 2950 S Jamaica Ct Ste 109, Aurora, CO, 80014
Travelers Lockton Companies 8110 E UNION AVE STE 700, DENVER, CO, 80237
Allstate Scott Hoery 621 Southpark Dr Ste 2000, Littleton, CO, 80120

Littleton, CO Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Littleton, CO

Streets in Littleton Area Homeowners Insurance Cost
W Athens Ln, Deer Creek Rd, W Monticello Ave, Elkhorn St, S Carr Way, W Ken Caryl Pl, S Critchell Ln, Buckhorn Dr, W Antelope Dr, W Clifton Pl$953
Majestic Eagle Dr, S Chestnut Way, Lost Horizon Dr, Kuehster Rd, S Lamar Way, W Buckhorn Rd, S Kendall Blvd, S Depew Way, W Canyon Ave, Black Bear Ln$890
Rocky Top Trl, Wild Trout Trl, S Ridge Rd, Flat Top Trl, Silver Ranch Rd, W Avalon Pl, Ski Mountain Dr, S Harlan Way, W Alder Way, W Baden Dr$954
S Erin Ln, W Belfast Pl, Saddle Mountain Trl, W Canyon Trl, W Edenburg Pl, S Jellison Way, S Gold Spr, W Sampson Rd, W Elmhurst Dr, S Foxton Rd$946
W Cambridge Pl, Broken Arrow Dr, W Canyon Dr, S Eaton Way, Critchell Ln, Elk Mountain Trl, W Eden Dr, Black Bear, W Caryl Ave, Running Deer Rd$942

Littleton, CO Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Littleton$134 to $136
Columbine Valley$155
Bow Mar$164

Littleton, 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
Columbine Valley town, Colorado $155 $207 $311
Columbine CDP, Colorado $134 $179 $269
Bow Mar town, Colorado $164 $218 $327

Littleton, 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
Littleton, CO4.4%16.0%
Columbine Valley2.63%10.9%
Bow Mar2.28%9.11%

Littleton Renters Insurance as a Percentage of Rent

Littleton Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 76 1.0% $343
$200 to $299 235 3.0% $793
$300 to $499 356 5.0% $1243
$500 to $749 1,560 22.0% $1918
$750 to $999 1,950 28.0% $2668
$1,000 to $1,499 2,058 30.0% $3793
$1,500 or more 588 8.0% $5443

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

Structure Type Deductible Company Premium
Masonry $500 Alliance Insurance Company, Inc. $1,162
Frame $500 American Family Insurance Company $1,605
Frame $500 Auto-Owners Insurance Company $2,438
Frame $500 Horace Mann Insurance Company $993
Masonry $500 Liberty Mutual Fire Insurance Company $1,817
Frame $500 Metropolitan Direct Property And Casualty Insurance Company $2,076
Frame $500 Praetorian Insurance Company $1,207
Masonry $500 Secura Supreme Ins Co $1,360
Masonry $500 Teachers Insurance Company $1,214
Frame $500 Twin City Fire Insurance Company $1,826

Littleton, CO Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Littleton Homeowner Insurance Premium Example $1,600$1,100
Out of Pocket Expense During Claim$800$1,800
Total Home Insurance Premium for 4 years + Out of Pocket Expense for Claim $7,200$6,200
Net Savings to Littleton Home Owner from High Deductible Plan $1,000

Littleton, CO Home Insurance Costs With Home Replacement Value Scenarios

Scenario Littleton, CO Home Replacement Value MORE than Home Value Littleton, CO Home Replacement Value LESS than Home Value
Replacement Value $565,500 $324,500
Insurance Premium based on Replacement Value $2,875 $1,650
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $114,000 Risk Exposure from Under Insuring Coverage is $127,000
Premium Impact Insurance cheaper by $650/year Insurance costlier by $575/year

Example Littleton Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceChubb Group of InsuranceAllstate
Monthly Premium 1438958
Year Built 198520101969
Home Details 5 Beds, 3 Baths4 Beds, 3 Baths2 Beds, 1 Baths
Coverage Amount $400000-$500000$350000-$400000$175000-$200000
Deductible $2500-$5000 Deductible$2500-$5000 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1980 200,000 Wood Shake Roof 1,500 3 $1000-$2500 Deductible 70 1 Brick siding No
2010 250,000 Wood Shake Roof 1,570 5 $5000 to $10,000 Deductible 200 4 Wood siding yes
1960 340,000 Asphalt Shingles Roof 2,030 3 $500- $1000 Deductible 1200 9 Vinyl siding yes
1970 235,000 Metal Roof 1,690 4 $500 Deductible 540 6 Stucco siding yes
1980 150,000 Tile Roof 940 2 $500 Deductible 520 8 Vinyl siding yes
1977 245,000 Shingles Roof 1,900 3 $500- $1000 Deductible 720 8 Stone Siding No
1985 380,000 Wood Shake Roof 2,260 3 $500 Deductible 440 4 Fiber-Cement Siding yes
2014 195,000 Membrane Roof 1,560 2 $1000-$2500 Deductible 60 1 Stucco siding yes
2003 250,000 Metal Roof 1,500 2 $5000 to $10,000 Deductible 360 8 Fiber-Cement Siding yes
1995 240,000 Shingles Roof 1,500 3 $2500-$5000 Deductible 770 9 Wood siding No
1966 190,000 Slate Shingles Roof 1,550 2 $500- $1000 Deductible 310 6 Fiber-Cement Siding yes
1987 185,000 Slate Shingles Roof 1,530 2 $500- $1000 Deductible 550 9 Vinyl siding No
1969 230,000 Tile Roof 1,670 5 > $10,000 Deductible 220 5 Fiber-Cement Siding No
1967 190,000 Wood Shake Roof 1,660 3 $5000 to $10,000 Deductible 510 10 Vinyl siding No
2013 355,000 Asphalt Shingles Roof 3,130 5 $1000-$2500 Deductible 720 5 Stone Siding No
1991 455,000 Slate Shingles Roof 3,330 4 $2500-$5000 Deductible 700 5 Wood siding No
1982 235,000 Metal Roof 1,410 3 $500- $1000 Deductible 950 8 Brick siding yes
1995 240,000 Metal Roof 1,530 2 $2500-$5000 Deductible 140 2 Stone Siding yes
2012 195,000 Tile Roof 1,450 2 $500- $1000 Deductible 880 12 Vinyl siding No
2013 255,000 Membrane Roof 2,120 4 $500- $1000 Deductible 80 1 Brick siding yes
1982 435,000 Composition Roof 3,120 4 > $10,000 Deductible 1100 12 Vinyl siding yes
1997 385,000 Shingles Roof 3,200 4 $1000-$2500 Deductible 900 7 Fiber-Cement Siding No
2003 260,000 Metal Roof 1,550 2 $1000-$2500 Deductible 170 2 Brick siding No
1988 315,000 Metal Roof 2,220 4 $2500-$5000 Deductible 790 10 Brick siding No
1994 655,000 Membrane Roof 4,030 5 $500- $1000 Deductible 3180 10 Brick siding No
1988 140,000 Shingles Roof 1,100 2 $500- $1000 Deductible 420 7 Stone Siding No
1969 280,000 Tile Roof 2,050 5 $2500-$5000 Deductible 980 12 Stucco siding yes
1961 240,000 Composition Roof 1,780 2 $500- $1000 Deductible 980 12 Stone Siding yes
2000 225,000 Metal Roof 1,360 2 $5000 to $10,000 Deductible 570 8 Fiber-Cement Siding yes
1964 120,000 Membrane Roof 950 2 $500 Deductible 230 5 Vinyl siding No
1990 145,000 Shingles Roof 1,110 2 $1000-$2500 Deductible 600 12 Fiber-Cement Siding yes
2001 400,000 Asphalt Shingles Roof 2,400 4 $5000 to $10,000 Deductible 470 4 Stone Siding yes
1994 325,000 Wood Shake Roof 2,780 4 $500 Deductible 1180 8 Stucco siding No
2000 570,000 Wood Shake Roof 4,370 5 > $10,000 Deductible 1090 8 Vinyl siding No

Latest Home Insurance Reviews

Plummer Insurance
I don't like the fact that the only office they have in town is so far away from where i live and work.
I recommend this company to every person who is looking for any type of insurance. I have helped so many people see how much money they can save and the amazing coverage they offer!
I would recommend it because even though it's not the lowest premium, you do get what you pay for. This company is worth it for the high reputation, high ethics and standards, and great customer service.
I would recommend travelers because the coverage is great, the customer service is quick and friendly, and the policy is relatively cheap compared to other homeowners insurance companies I researched.
So far Allstate has been great. When we had an issue with our roof they took care of it right away. They were fast, friendly and very efficient
I would definitely recommend Progressive to friends and family because it has saved me a lot of money and is easily accessible online so you don't have to sit on hold on the phone to reach customer service.
Farmer's Insurance
I think Farmer's Insurance has been the most responsive and easiest access insurance policy I've ever used. This company has switched over to tech use better than any insurance company I've encountered.
I am extremely satisfied so far but we have not had to file any home owner insurance claims. It is a good rate compared to all the other insurance companies I got quotes from.
State Farm
I am very satisfied with my home insurance company they provide me a good service , they are customers try good at client service , they provide a immediate response for their customers.
State Farm
State farm is fair regarding accident forgiveness and safe driving bonuses. they provide competitive features, online services, app services, and local office service that compares well with others.
State Farm
I think that another big issue i am facing is that it is difficult to find a physical location that can help you at reasonable hours.
It's easy to use I can pull up my information I can look at claims I can pay my bill online chat with a customer representative if I need help it's easy to use and fast
They are friendly and knowledgeable. We have not had to deal with them a significant amount, but when we have they have been great to talk to and answer questions.
I would rate it a 2. I like their services, but haven't had much use for them.
My interaction with the communication has been excellent I have not had any problems with them. I have personal numbers
I dislike the constantly rising premiums and last minute communication regarding changes. I also dislike the webpage at times.
USAA promotes financial stability for military members and also helps them achieve it by offering large discounts just for their service.
I would rate my home insurance company's customer service with a 5. They are great, always greeting me personally and making sure I get taken care of quickly and efficiently.
American Family Insurance
I would say American Family Insurance is at least on the same level, if not a little better, as other home insurance policies.
State Farm
On the scale from 1 to 5 State Farm dairyland home insurance I will have to give it a four.They are so sweet, and solve my issues if I have any right away.They're always eager to help you.

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