Westminster Insurance Rates:

Westminster, CO homeowners insurance is roughly $748 to $1,014, about $62-$84/month. Our detailed research indicates shoppers can save as much as $352 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Liberty Mutual
The Liberty mutual insurance company is the best company in Indiana they provide very good customer service and wide range of policy offerings
USAA is very helpful and has a great platform online connected to my bank account.This makes it easy to pay my bill from any account I choose.
I would recommend the agency we're with because they're local, have good customer service, good coverage and their premiums are reasonably priced.
I would recommend this company for home insurance because they have great rates and great customer service, the two most important things to me.
USAA offers quite a bit when it comes to home insurance needs. They have lots of policy offerings to meet your needs. I currently have home insurance, personal item insurance, and flood insurance through USAA.
State Farm
From a scale of 1 to 5, I would rate it 3, it was okay. The wait time for calling customer service was not too long, but the available times was short.
State Farm
I switched to this company about 5 years ago and saved a ton of money right off the bat, which surprised me because i had always thought of them as one of the most expensive companies.
We have this insurance for 20+ years and every year we are paying more for this insurance, even though we had practically never a claim in all these years.
My insurance is escrowed as part of my monthly mortgage payments. my bank has dropped the ball a few times on giving nationwide the money they are owed. nationwide has never come after me for the money and has always been patient in working with my bank.
It is easy to use and very easy to make payments. It also gives you wonderful tips on saving money for the home and auto
I have been with them for over 30 years and feel they are always there for me. They help in getting the best coverage for the best rates
It is user-friendly. I can navigate it easily without little effort. I don't find the graphics that appealing, though.
American Family
I found that in my situation the premium was cheaper as I could bundle in the auto coverage as well. So I went with my current insurance provider.
California Casualty
I like that I get to work with one person from start to finish. I like that almost everything is covered for a reasonable price and I like the communication they have with me.
California Casualty
I am tickled pink at the rate and customer service I am receiving with my current insurer. When I call them, which is my preferred method - as I prefer a human touch when it comes to my money, they are always professional, knowledgeable and friendly. I even know them for my region by name and they are not troubled when I ask to speak to my preferred representatives.
California Casualty
I was recommended one other company which I turned down because California Casualty had the better price for me.
It is a touch annoying going through USAA validation process to prove you are who you say you are. That is the only annoying thing. Again, USAA is very responsive and customer oriented. You get what you pay for.
Amica Mutual Insurance
I do wish that the premiums were not so high, however, it is a case of you get what you pay for and the claims' service and customer service are great.
I don't dislike anything about my company. I just wish other companies were as awesome
Overall, I like that the company is super helpful, responsive, and prioritizes my needs for their efficiency. They always put the customer first.
State Farm
I have been with state farm over 10 years, they re very nice. I know my insurance ageny and if he is not available then the customer service is always able to help very happily.
I would highly recommend this company for home insurance because they understand your needs and you can personalize your insurance to fit exactly what you need without anyone trying to talk you into something you don't want or need.
California Casualty
I would only recommend this insurance company. I have had no issues. When we have called into them we have experienced great customer service.
I have been a USAA member for many years being covered by car insurance. The agents were always very helpful and responsive with claims and issues. After purchasing a home it was easy for me to decide which insurance provider to choose. With great rates and excellent service I have been very happy with my coverage.
State Farm
The company does not give information on how to improve what I pay. I wish they would give classes on how to lower your premiums.
I would recommend them. I like that you can have a local independent agent that you can call if you have a problem but also have the 1-800 type service of a large business. They are reputable.
Friendly and knowledgeable staff. Best premiums in my area. Everything is always clear and very simple which is what I like.
The premiums for the coverage provided can be a bit high compared to other providers. The customer service can at times be a bit sexist.
California Casualty
this insurance company had by far the lowest homeowners insurance rate on the market when I was looking. Additionally they provide coverage that no other insurance company would provide at this price point.

Westminster, CO Homeowners Insurance By Home Value

Westminster, CO Home Value Total Homes % of Total Average Westminster, CO Homeowners Insurance
Less than $50,000 824 3.0% $96
$90,000 to $99,999 252 1.0% $370
$100,000 to $124,999 923 3.0% $431
$125,000 to $149,999 1,659 6.0% $537
$150,000 to $174,999 2,825 11.0% $634
$175,000 to $199,999 3,149 13.0% $731
$200,000 to $249,999 7,054 29.0% $881
$250,000 to $299,999 3,685 15.0% $1083
$300,000 to $399,999 3,088 12.0% $1374

Top Home Insurance Agents Near Westminster, CO

Home Insurance Company Near Westminster, CO Homeowners Insurance Agency Near Westminster, CO Address
Travelers A Complete Insurance Agency Inc 8906 W Bowles Ave, Ste 130 , Littleton, CO, 80123
Travelers All Colorado Insurance Services Inc 9725 E HAMPDEN AVE STE 330, DENVER, CO, 80231
State Farm Chris Jaramillo 3901 E 112th Ave Unit T, Thornton, CO, 80233-2546
Farmers Dean Lagrave 1776 S Jackson St Ste 301, Denver, CO, 80210
Allstate Sherry Unruh 1051 Main St, Windsor, CO, 80550

Westminster, CO Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Westminster, CO

Streets in Westminster Area Homeowners Insurance Cost
W 133rd Cir, Tejon Way, Lowell Way, W 132nd Pl, W 107th Pl, W 135th Pl, W 115th Dr, W 107th Ct, E 156th Ave, Grove Ct$885
N Elliot St, W 71st Way, Hunter Way, W 90th Pl, W 116th Ave, Bradburn Blvd, W 99th Pl, W 116th Way, Circle Dr, E 144th Way$870
W 81st Ave, N Tennyson Way, W 106th Pl, 103rd Pl, Canosa St, Pratt St, W Hawthorne Pl, Grove Ct, W 86th Ave, Pratt Pl$863
Yates Dr, E 152nd Pl, W 144th Ave, W 152nd Pl, W 71st Ct, Cherry Ln, W 77th Ave, Bradburn Blvd, 110th Pl, W 116th Ln$930
Alcott Dr, W 98th Pl, W 98th Way, W 97th Pl, W 119th Ave, Avrum Dr, W 114th Pl, W 80th Pl, Saint Paul St, Lipan Ct$916

Westminster, CO Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Westminster$132 to $134
Shaw Heights$130
Federal Heights$123

Westminster, 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
Shaw Heights CDP, Colorado $109 $145 $217
Federal Heights city, Colorado $103 $137 $206
West Adams CCD, Adams County, Colorado $109 $145 $217

Westminster, 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
Westminster, CO4.5%17.6%
Shaw Heights4.78%18.5%
Federal Heights5.5%10.4%
West Adams4.66%18.01%

Westminster Renters Insurance as a Percentage of Rent

Westminster Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 230 1.0% $799
$300 to $499 284 2.0% $1249
$500 to $749 2,330 16.0% $1924
$750 to $999 4,157 29.0% $2674
$1,000 to $1,499 4,856 34.0% $3799
$1,500 or more 2,231 15.0% $5449

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

Structure Type Deductible Company Premium
Masonry $500 American Reliable Insurance Company $828
Frame $500 Central Mutual Insurance Company $1,472
Frame $500 Csaa General Insurance Company $1,470
Frame $500 Garrison Property And Casualty Insurance Company $1,817
Masonry $500 Lm Insurance Corporation $1,899
Masonry $500 Privilege Underwriters Reciprocal Exchange $782
Masonry $500 The Cincinnati Insurance Company $1,368
Masonry $500 Twin City Fire Insurance Company $2,005

Westminster, CO Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Westminster Homeowner Insurance Premium Example $1,200$800
Out of Pocket Expense During Claim$1,100$3,100
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $10,700$9,500
Net Savings to Westminster Home Owner from High Deductible Plan $1,200

Westminster, CO Home Insurance Costs With Home Replacement Value Scenarios

Scenario Westminster, CO Home Replacement Value MORE than Home Value Westminster, CO Home Replacement Value LESS than Home Value
Replacement Value $432,000 $301,500
Insurance Premium based on Replacement Value $2,150 $1,500
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $61,500 Risk Exposure from Under Insuring Coverage is $69,000
Premium Impact Insurance cheaper by $325/year Insurance costlier by $325/year

Example Westminster Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceGEICO InsuranceAmica Mutual Insurance Company
Monthly Premium 1294380
Year Built 200620141987
Home Details 3 Beds, 2 Baths2 Beds, 1 Baths5 Beds, 2 Baths
Coverage Amount $300000-$350000$125000-$150000$300000-$350000
Deductible $1000-$2500 Deductible$2500-$5000 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1982 135,000 Composition Roof 1,120 2 $500 Deductible 270 7 Fiber-Cement Siding yes
1999 130,000 Metal Roof 1,160 2 $500 Deductible 290 6 Vinyl siding No
2013 625,000 Slate Shingles Roof 4,580 5 $500- $1000 Deductible 1260 4 Vinyl siding No
1999 310,000 Tile Roof 2,230 4 $5000 to $10,000 Deductible 370 6 Wood siding yes
2011 530,000 Slate Shingles Roof 4,050 5 $1000-$2500 Deductible 460 3 Stucco siding No
2008 285,000 Metal Roof 2,070 5 $500 Deductible 510 5 Wood siding yes
1991 220,000 Shingles Roof 1,540 5 > $10,000 Deductible 210 5 Brick siding No
2008 375,000 Metal Roof 3,770 5 > $10,000 Deductible 890 12 Brick siding No
1998 170,000 Metal Roof 1,380 2 $500- $1000 Deductible 320 5 Stucco siding No
2001 145,000 Slate Shingles Roof 1,100 2 $2500-$5000 Deductible 290 7 Stucco siding yes
1982 375,000 Tile Roof 2,550 4 $500- $1000 Deductible 1190 6 Stone Siding yes
2011 220,000 Metal Roof 1,630 4 $500 Deductible 90 1 Stone Siding yes
1981 260,000 Shingles Roof 2,410 4 $2500-$5000 Deductible 290 3 Wood siding yes
2013 135,000 Asphalt Shingles Roof 1,020 2 $1000-$2500 Deductible 380 9 Stucco siding yes
2010 160,000 Metal Roof 1,370 3 $2500-$5000 Deductible 530 10 Brick siding yes
2006 520,000 Metal Roof 4,350 5 $500- $1000 Deductible 1700 9 Brick siding No
1985 140,000 Tile Roof 970 2 $500 Deductible 620 12 Vinyl siding yes
1996 220,000 Metal Roof 1,530 2 > $10,000 Deductible 530 12 Fiber-Cement Siding yes
1983 205,000 Tile Roof 1,530 3 $2500-$5000 Deductible 780 10 Stone Siding No
1986 450,000 Membrane Roof 3,470 5 $1000-$2500 Deductible 1290 8 Wood siding yes
2013 345,000 Wood Shake Roof 3,060 4 $500- $1000 Deductible 140 1 Brick siding yes
1996 170,000 Tile Roof 1,180 2 $500 Deductible 390 6 Vinyl siding No
2000 125,000 Wood Shake Roof 1,120 2 $2500-$5000 Deductible 330 10 Fiber-Cement Siding yes
2010 485,000 Tile Roof 4,720 5 $1000-$2500 Deductible 890 6 Stucco siding yes
2014 450,000 Composition Roof 4,560 5 > $10,000 Deductible 270 3 Stone Siding No
1992 290,000 Composition Roof 2,700 4 $1000-$2500 Deductible 380 4 Stucco siding yes
1998 360,000 Asphalt Shingles Roof 3,510 5 $2500-$5000 Deductible 1000 9 Fiber-Cement Siding yes
1980 295,000 Metal Roof 2,640 4 $500 Deductible 890 6 Fiber-Cement Siding yes
2006 445,000 Wood Shake Roof 3,790 5 $2500-$5000 Deductible 1340 7 Stone Siding No
2009 495,000 Asphalt Shingles Roof 4,320 5 $2500-$5000 Deductible 1180 8 Vinyl siding yes
1973 300,000 Metal Roof 1,673 2 $500 Deductible 1640 12 Brick siding No

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