Longmont Insurance Rates:

Longmont, CO homeowners insurance is approximately $758 to $1,028, about $63-$85/month. Our all inclusive guide shows customers can save upto $357 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
They are very helpful when we have questions about our coverage and policy terms and documents. and also with any payment questions.
Farmer's Insurance
Claim service on line 800 number is too long to wait for when doing a claim when it is big like hail damage. they have you hold longer than normal and maybe extra staffing is important.
Usaa
Their the website is somewhat confusing. it is hard to tell exactly where to navigate to in order to find what i am looking for. sometimes i find myself confused as to how i got to a page.
Allstate
The premium seems like a normal rate. It was comparable to other companies. Also, it was worth convenience of bundling.
State Farm
The only thing I do not like is forcing to have insurance which is extra expenses which I would like to use elsewhere. But I know that I may need it one day. I know this is not the fault of the insurance company but just a personal gripe
Usaa
I think they could be easier to get in touch with. Sometimes I don't want to use the phone, and since they don't have physical branches anywhere, calling is the only choice for me.
Usaa
I would like to go totally paperless with them, but they still occasionally send me paper statements.
Usaa
The USAA website is super easy to use. I can file claims, make policy changes, and make payments using the website. I can also see exactly what my policy covers and ask questions about any aspect of my policy.
State Farm
The lady I talk to is always friendly and professional. Any documents or information that I request, she is always prompt and follows up with phone calls to ensure I received it.
Farmer's Insurance
Honestly, their customer service is pretty standard, compared to other companies' customer service, because GEICO advertises their company in commercials, which most companies do, but GEICO had a way of keeping people connected.
State Farm
They do a good job, and they are friendly and seem honest. I have gotten coverage with them for a long time, and so I also am lazy to do much shopping outside of my current policy.
Nationwide
I think the company overall has been very good, and they have been very transparent with me. I am satisfied with all aspects, especially the customer service and communication I have encountered thus far. I think the pricing is all reasonable and everyone has been very helpful in explaining what I am paying and why.
Usaa
NOTHING. HONESTLY, I HAVE NOT EXPERIENCED A SINGLE INCIDENT WHERE ANYTHING WOULD CAUSE ME NOT TO LIKE THIS COMPANY OR ANYTHING ABOUT IT.

Longmont, CO Homeowners Insurance By Home Value

Longmont, CO Home Value Total Homes % of Total Average Longmont, CO Homeowners Insurance
Less than $50,000 999 4.0% $80
$100,000 to $124,999 417 2.0% $375
$125,000 to $149,999 927 4.0% $464
$150,000 to $174,999 2,178 10.0% $553
$175,000 to $199,999 2,404 11.0% $634
$200,000 to $249,999 4,804 23.0% $767
$250,000 to $299,999 3,662 18.0% $937
$300,000 to $399,999 4,565 22.0% $1196

Top Home Insurance Agents Near Longmont, CO

Home Insurance Company Near Longmont, CO Homeowners Insurance Agency Near Longmont, CO Address
State Farm Arnie Mascarenas 1011 39th Ave, Greeley, CO, 80634-2506
Liberty Mutual Independent Colorado Insurance Benefits I 6444 S QUEBEC ST STE 304, CENTENNIAL, CO, 80111
Allstate George Sechrist 5944 S Kipling Pkwy Ste 305, Littleton, CO, 80127
Farmers Jason Welch 2627 REDWING RD STE 260, Fort Collins, CO, 80526
Travelers Saa Insurance Agency 215 W SOUTH 1ST ST, JOHNSTOWN, CO, 80534

Cost Of Homeowners Insurance By Street Near Longmont, CO

Streets in Longmont Area Homeowners Insurance Cost
23rd Ave, Wyndemere Cir, Rannoch Dr, Bluebird Dr, Atwood St, Princeton Cir, Abbey Dr, Sugar Mill Ave, Peregrine Cir, Park Dr$887
Lake Park Dr, Mariner Dr, Mount Sneffels St, Pace St, Beech Way, Henry Ct, W Co Rd 2, Cottonwood Ct, 10th Ave, Vail Ln$906
Jamison Pl, Riverview Ct, Buckham Way, Morgan Rd, Reese Ave, Grant St, Sunset Cir, Bramwood Pl, Walker Ct, Medford St$887
Turin Dr, 100 Year Party Ct, Smith Dr, Roma Ct, Steele St, Tucson Ct, Welch Ct, Peregrine Ln, Jade Way, Prairie Song Pl$958
Keystone Ct, Fordham St, Kansas Ave, Spring Creek Trl, Trout Creek Cir, Willowbrook Dr, Tyrrhenian Dr, Polo Dr, Santa Fe Dr, Pebble Rd$894
Glenbor Ct, Feltham Pl, Corinth Rd, N 67th St, N 49th St, Quebec Ave, Sorenlo Pl, Kinnikinnick Ct, Co Rd 49, Dry Creek Dr$1,010
Sage Valley Rd, Alpine St, Mayfield Ln, Doral Dr, Trevarton Ln, Springhill Dr, Grove Ct, Stardance Way, Camelia Ct, Saint Vrain Rd$1,030
Dahlia Way, Carnation Cir, Merriman Pl, Kylie Dr, Meeker Pl, Nimbus Rd, Comanche Ct, Elgin Ave, Antelope Dr, Aspen St$897
Cumberland Dr, Cambridge Dr, Skysail Ct, Eagle Springs Trl, E 17th Ave, Prairie Hawk Dr, Merideth Ln, Vassar Ct, Centrebridge Dr, Gaynor Way$892
20th Ave, St Clair Ave, N Parkside Dr, 1st Ave E, Mayfield Cir, N 85th St, Sunnyside Ln, Incorrigible Cir, Kiteley Ln, Coffman St$892

Longmont, CO Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Longmont$133 to $136
Lyons$138
Niwot$148
Altona$151

Longmont, 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
Lyons town, Colorado $138 $184 $276
Niwot CDP, Colorado $149 $198 $297
Altona CDP, Colorado $152 $202 $303

Longmont, 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
Longmont, CO4.4%18.8%
Lyons3.64%17.6%
Niwot3.66%13.46%
Gunbarrel4.25%16.09%

Longmont Renters Insurance as a Percentage of Rent

Longmont Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 140 1.0% $343
$200 to $299 208 1.0% $793
$300 to $499 427 3.0% $1243
$500 to $749 2,401 18.0% $1918
$750 to $999 4,604 34.0% $2668
$1,000 to $1,499 4,185 31.0% $3793
$1,500 or more 1,321 9.0% $5443

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

Structure Type Deductible Company Premium
Frame $500 Anpac $1,990
Frame $500 American Reliable Insurance Company $474
Masonry $500 Amica Mutual Insurance Company $1,496
Frame $500 Colorado Farm Bureau Mutual Insurance $1,213
Frame $500 Hartford Fire Insurance Company $1,424
Frame $500 Lm Insurance Corporation $1,772
Frame $500 Unitrin Direct Property & Casualty Company $1,288

Longmont, CO Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$2,000
Yearly Longmont Homeowner Insurance Premium Example $1,000$800
Out of Pocket Expense During Claim$1,000$2,000
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $9,000$8,400
Net Savings to Longmont Home Owner from High Deductible Plan $600

Longmont, CO Home Insurance Costs With Home Replacement Value Scenarios

Scenario Longmont, CO Home Replacement Value MORE than Home Value Longmont, CO Home Replacement Value LESS than Home Value
Replacement Value $282,500 $175,000
Insurance Premium based on Replacement Value $1,550 $950
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $44,000 Risk Exposure from Under Insuring Coverage is $63,500
Premium Impact Insurance cheaper by $350/year Insurance costlier by $250/year

Example Longmont Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company American Family InsuranceNationwide InsuranceFarmers Insurance
Monthly Premium 9288138
Year Built 199119711982
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths5 Beds, 1 Baths
Coverage Amount $250000-$300000$350000-$400000$400000-$500000
Deductible $5000 to $10,000 Deductible$5000 to $10,000 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2001 720,000 Metal Roof 4,620 5 $1000-$2500 Deductible 930 4 Vinyl siding yes
1971 325,000 Membrane Roof 2,830 5 $1000-$2500 Deductible 540 5 Vinyl siding No
1976 545,000 Slate Shingles Roof 4,700 5 $500- $1000 Deductible 1540 8 Fiber-Cement Siding yes
1999 190,000 Tile Roof 1,290 3 $500- $1000 Deductible 410 6 Stucco siding yes
1996 535,000 Shingles Roof 4,480 5 $500- $1000 Deductible 2420 12 Vinyl siding yes
2004 510,000 Asphalt Shingles Roof 4,420 5 $500- $1000 Deductible 630 3 Fiber-Cement Siding No
1979 575,000 Tile Roof 3,490 5 $2500-$5000 Deductible 1410 6 Vinyl siding yes
1996 225,000 Asphalt Shingles Roof 1,990 5 > $10,000 Deductible 80 2 Brick siding yes
1988 220,000 Slate Shingles Roof 1,920 3 $5000 to $10,000 Deductible 110 2 Stucco siding No
1977 400,000 Slate Shingles Roof 2,460 4 $1000-$2500 Deductible 550 5 Stone Siding yes
2013 480,000 Membrane Roof 3,200 5 $2500-$5000 Deductible 320 2 Stone Siding No
2009 310,000 Composition Roof 2,120 3 $500 Deductible 560 6 Stone Siding No
1983 455,000 Asphalt Shingles Roof 2,830 4 $2500-$5000 Deductible 1140 8 Stucco siding yes
2011 410,000 Tile Roof 2,850 4 $500- $1000 Deductible 720 5 Fiber-Cement Siding No
2003 505,000 Wood Shake Roof 3,180 4 $500 Deductible 190 1 Brick siding yes
1970 180,000 Slate Shingles Roof 1,410 3 $500- $1000 Deductible 340 6 Stone Siding No
2006 210,000 Shingles Roof 1,630 3 $1000-$2500 Deductible 300 4 Wood siding No
1990 435,000 Metal Roof 3,090 5 $1000-$2500 Deductible 490 3 Brick siding No
1994 465,000 Membrane Roof 3,172 4 $5000 to $10,000 Deductible 1440 9 Brick siding No