Loveland Insurance Rates:

Loveland, CO homeowners insurance is roughly $750 to $1,017, about $62-$84/month. Our exhaustive analysis reveals consumers can save upto $353 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Yes, I would definitely recommend because it is good for its value. As mentioned, the package is comparable to others, it is easy to purchase it online. It is cheaper than some other companies too.
I did compare quotes weigh other home insurance companies in my area, and found theirs to be the lowest for my needs, and with a lower deductible than most of the others comparatively.
Liberty Mutual
Liberty Mutual policy is very similar to most policies on the market, the local price was decisive as well as my relationship to the broker
State Farm
State Farm's premium is less than Allstate and Progressive. There have been no significant increases in premium. The deductible is the same; it is the minimum allowed by my state.
State Farm
This is our first owned home and the only insurance company we have used, so I do not know how it compares.
State Farm
The offerings compared to other insurance companies are the same. They offer the same type of coverage but I am able to adjust it to my needs.
State Farm
Our premium is quite high basically because we own a mobile home. Our deductible is quite high in order to get the lower price.
State Farm
My home insurance policy offering are adequate to meet my needs. Furthermore, I receive a discount because my auto insurance is with the same company.
Farmer's Insurance
I have been doing business with Farmers for many years now. My experience with their customer service has always been a positive one.
Farmer's Insurance
My insurance company is very personable and has some of the most knowledgeable agents i have ever encountered, and their coverage is vast.
State Farm
However, their customer service sucks!! it is absolute garbage. i sometimes get referred to an automatic response machine, rather than a human.
The prices are really great and they are a lot better then other companies i have tried to get insurance with. they let you spread out your payments.
I like how easy it is to navigate through the site and get exactly what I am looking for. It's good.
The only way I can think to improve the service at USAA would be to have a local office that I can actually go to with documents and speak to a person directly.
Sometimes reaching customer service can take too long, I wish more was covered for the price, but that's an issue I have with much insurance these days.
When I did speak to them they were very helpful. The issue was getting someone to call me back. I wanted more check-ups to see if I had questions.
I liked that I was able to easily add home insurance onto my existing car insurance policy. I like that I have one account for two separate policies. It has made everything simpler and more streamlined.
Liberty Mutual
I would recommend them for home insurance, but only to the extent of getting a quote. And I recommend them because I think they offer discounts on price.
Liberty Mutual
I wouldn't recommend because I NEVER make recommendations in person or online. I just don't believe in doing so. With that being said, if I did make recommendations, I would recommend this compay.
USAA homeowners insurance is perfectly adequate for my needs and seems to be at a reasonable rate, although I have not shopped around for a better one
I would recommend our insurance to a friend or family member because they are fairly good on customer service, the premiums are reasonable, and for what we pay they do cover a good amount.
Country Financial
We would recommend Country Financial but just with the caveat that if something happens and you do need to use your coverage, you will be penalized for it with a rate increase.
This company is very organized. When I call them they give me some advice and also they guide and suggest me about the insurance.
We do not shop our home insurance often, but we have moved several times and received multiple quotes from other large national agencies. Allstate always competes to retain our business.

Loveland, CO Homeowners Insurance By Home Value

Loveland, CO Home Value Total Homes % of Total Average Loveland, CO Homeowners Insurance
Less than $50,000 1,551 6.0% $88
$100,000 to $124,999 597 2.0% $415
$125,000 to $149,999 1,634 6.0% $521
$150,000 to $174,999 2,878 12.0% $618
$175,000 to $199,999 3,427 14.0% $707
$200,000 to $249,999 5,532 23.0% $857
$250,000 to $299,999 3,415 14.0% $1043
$300,000 to $399,999 4,304 18.0% $1326

Top Home Insurance Agents Near Loveland, CO

Home Insurance Company Near Loveland, CO Homeowners Insurance Agency Near Loveland, CO Address
NA Rick Baker & Assocs Inc 5360 Arapahoe Ave, Suiteg, Boulder, CO, 80303
State Farm Mark Llewellyn 4895 W 10th St Unit C, Greeley, CO, 80634-2049
State Farm Quinn Mccoy 7535 W 92nd Ave Ste 200, Westminster, CO, 80021-5632
Allstate Steve Bazz 1466 Pierce St, Lakewood, CO, 80214
State Farm Troy Gonzales 2138 Meander Rd, Windsor, CO, 80550-4661

Loveland, CO Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Loveland, CO

Streets in Loveland Area Homeowners Insurance Cost
Keenesburg Ct, 9th Pl SW, John Galt Dr, Springwood Ct, Sheridan Ave, Gard Pl, Longspur St, Hawaii Cir, Prospect Dr, Turkey Roost Connection$879
Glen Dr, Norfolk Pl, Turquoise St, Thomas Ct, Ladera Rd, Shirke Rd, Many Elk Rd, S Cleveland Ave, N del Norte Ave, Springs Ranch Rd$907
Gladeview Ct, Roosevelt Ave, Jordan Dr, Calhoun Ct, Clear Creek Dr, Swan Mountain Dr, Laguna Ct, Creekwood Dr, Highland Dr, Taft Hill Rd$923
Shubert Dr, S Dotsero Dr, Idaho Pl, Singing Pines Ct, W 32nd St, Joyce Ct, Mount Fisher Ct, Jefferson Dr, W 6th St, Lebsack Ln$908
Meadow Ln, Mountain Lion Dr, Obrien Dr, Lucia Ct, 15th St SW, Sheridan Ave, N Custer Ave, Over Rd, Cox Ct, Sand Grouse Dr$882
E 12th St, Grey Mountain Dr, Spanish Bay Dr, Filbert Ave, Coral Burst Ct, Bulwark Ridge Ct, Brookwood Ct, Crowley Cir, Fallgold Dr, Jessen Dr$885
W 29th St, W Co Rd 18, Bulwark Ridge Dr, Monroe Ave, Mid Pointe Dr, Dry Creek, W Co Rd 16H, 2nd St SE, Indian Blind Trl, Sundisk Dr$920
Saddle Notch Rd, Sunflower Rd, E Co Rd 14, Breckenridge Dr, Fire Rte 344, Carmony Rd, Willow Vista Dr, Happy Jack Rd, Dovetail Dr, S Co Rd 9e$921
Polk Dr, Marshall Ash Dr, Panorama Pl, Marmac Dr, Williamsburg St, Highplains Dr, Hilltop Dr, Mountain River Rd, Thrush Ave, Sleepy Hollow Rd$921
S Garfield Ave, Country Mountain Dr, Green Mountain Dr, Sundisk Dr, Shockman Ln, Ground Squirrel Dr, Brandywine Dr, Holladay Ct, Longs Peak Cir, Black Maple Dr$911

Loveland, CO Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Loveland$132 to $134
Fort Collins$133

Loveland, 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
Berthoud CCD, Larimer County, Colorado $113 $150 $225
Fort Collins CCD, Larimer County, Colorado $111 $147 $221
Timnath town, Colorado $114 $152 $228

Loveland, 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
Loveland, CO4.8%20.5%
Fort Collins4.7%18.48%

Loveland Renters Insurance as a Percentage of Rent

Loveland Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 180 1.0% $347
$200 to $299 267 2.0% $797
$300 to $499 503 4.0% $1247
$500 to $749 2,265 21.0% $1922
$750 to $999 2,783 26.0% $2672
$1,000 to $1,499 3,404 32.0% $3797
$1,500 or more 1,009 9.0% $5447

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

Structure Type Deductible Company Premium
Frame $500 Economy Premier Assurance Company $2,119
Masonry $500 Homesite Insurance Company $1,419
Frame $500 Lm Insurance Corporation $1,695
Masonry $500 Nationwide Affinity Insurance Company Of America $941
Masonry $500 Privilege Underwriters Reciprocal Exchange $572
Frame $500 Secura Ins A Mut Co $1,297
Masonry $500 Secura Supreme Ins Co $994
Masonry $500 The Cincinnati Insurance Company $993

Loveland, CO Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Loveland Homeowner Insurance Premium Example $1,700$1,300
Out of Pocket Expense During Claim$700$2,700
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $12,600$11,800
Net Savings to Loveland Home Owner from High Deductible Plan $800

Loveland, CO Home Insurance Costs With Home Replacement Value Scenarios

Scenario Loveland, CO Home Replacement Value MORE than Home Value Loveland, CO Home Replacement Value LESS than Home Value
Replacement Value $400,000 $269,000
Insurance Premium based on Replacement Value $2,150 $1,450
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $94,500 Risk Exposure from Under Insuring Coverage is $36,500
Premium Impact Insurance cheaper by $200/year Insurance costlier by $500/year

Example Loveland Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualAllstateFarmers Insurance
Monthly Premium 70105207
Year Built 201019882006
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 3 Baths
Coverage Amount $200000-$250000$300000-$350000$600000-$700000
Deductible $500- $1000 Deductible$500- $1000 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1984 240,000 Composition Roof 2,240 3 $2500-$5000 Deductible 690 9 Fiber-Cement Siding yes
2006 370,000 Composition Roof 2,790 4 $1000-$2500 Deductible 660 5 Stone Siding yes
2001 270,000 Tile Roof 2,300 3 $1000-$2500 Deductible 410 6 Stone Siding No
1987 250,000 Shingles Roof 2,430 5 $500- $1000 Deductible 160 2 Vinyl siding yes
2010 225,000 Slate Shingles Roof 1,640 4 $5000 to $10,000 Deductible 430 5 Vinyl siding yes
2013 280,000 Asphalt Shingles Roof 1,860 3 $2500-$5000 Deductible 90 1 Brick siding yes
2003 190,000 Shingles Roof 1,640 3 $5000 to $10,000 Deductible 270 8 Stone Siding No
2003 220,000 Asphalt Shingles Roof 1,510 5 $500- $1000 Deductible 740 8 Vinyl siding No
1985 250,000 Asphalt Shingles Roof 1,960 3 > $10,000 Deductible 410 9 Vinyl siding No
2011 330,000 Wood Shake Roof 2,540 4 $500- $1000 Deductible 1110 8 Fiber-Cement Siding No
1994 435,000 Metal Roof 3,220 5 $2500-$5000 Deductible 320 2 Stone Siding No
1984 180,000 Metal Roof 1,270 3 $2500-$5000 Deductible 330 8 Stucco siding No
2007 280,000 Slate Shingles Roof 1,970 3 $1000-$2500 Deductible 1420 12 Fiber-Cement Siding No
1994 255,000 Composition Roof 2,460 5 $5000 to $10,000 Deductible 670 8 Fiber-Cement Siding yes
2011 200,000 Asphalt Shingles Roof 1,890 3 $500 Deductible 410 5 Stucco siding No
2014 380,000 Shingles Roof 3,010 4 $5000 to $10,000 Deductible 670 7 Brick siding yes
1980 350,000 Wood Shake Roof 3,300 4 $5000 to $10,000 Deductible 770 8 Wood siding No
2003 185,000 Asphalt Shingles Roof 1,300 3 $2500-$5000 Deductible 320 6 Vinyl siding No
2007 295,000 Shingles Roof 2,840 4 $5000 to $10,000 Deductible 260 3 Brick siding No
1995 175,000 Asphalt Shingles Roof 1,450 3 $500- $1000 Deductible 90 2 Stucco siding No
1980 185,000 Composition Roof 1,570 3 $500 Deductible 760 8 Wood siding yes
2003 480,000 Wood Shake Roof 3,230 4 > $10,000 Deductible 900 7 Stone Siding yes
1996 265,000 Asphalt Shingles Roof 2,010 5 $5000 to $10,000 Deductible 610 10 Wood siding yes
1997 310,000 Membrane Roof 2,160 3 $1000-$2500 Deductible 560 5 Vinyl siding yes
1987 240,000 Metal Roof 1,750 3 $500 Deductible 210 2 Stone Siding yes
1986 215,000 Wood Shake Roof 2,010 5 $500 Deductible 640 8 Brick siding No
1993 135,000 Membrane Roof 1,200 3 $2500-$5000 Deductible 380 10 Stone Siding yes
1994 310,000 Slate Shingles Roof 2,350 4 $5000 to $10,000 Deductible 80 1 Wood siding No
2010 280,000 Membrane Roof 1,970 5 $1000-$2500 Deductible 240 2 Fiber-Cement Siding No
2011 360,000 Tile Roof 3,350 4 $1000-$2500 Deductible 1310 10 Vinyl siding yes
2001 255,000 Wood Shake Roof 2,210 4 $500 Deductible 210 2 Vinyl siding No
2010 190,000 Membrane Roof 1,310 3 $2500-$5000 Deductible 270 5 Stucco siding yes
2010 410,000 Shingles Roof 2,730 4 $500- $1000 Deductible 2080 12 Wood siding yes
1982 220,000 Wood Shake Roof 1,423 2 > $10,000 Deductible 950 6 Vinyl siding No

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