Wheat Ridge Insurance Rates:

Wheat Ridge, CO homeowners insurance is about $752 to $1,019, about $62-$84/month. Our in depth research shows customers can save upto $354 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
I am not sure about the deductible as we have not had to file a claim. My fiance did however say it was an affordable deductible and was cheaper than competitors.
Usaa
When shopping around we found our company to provide not only the lowest rates but cover and protects us the most, so have the most benefits.
American Family Insurance
It is very useful insurance plan. It has so many plan for home insurance. It will use my future needs.
Usaa
i would most strongly recommend this insurer to anyone who has an opportunity to join. their customer service and benefits are beyond those offered by another insurance company that I have used over the past 30 years.
Farmer's Insurance
I've had good experience with Farmer's Insurance. Their member service representatives are friendly and informative and seem to know how to use their system to answer all of my questions. Their website is very easy to use.
Travelers
When looking at the rankings of the top auto insurance companies in the United States, most of the names are recognizable due to their national television advertising campaigns. We discuss the top ten biggest auto insurance companies in the U.S.
State Farm
One thing i do not like about my insurance company is how little things are actually covered with my policy.
Allstate
Allstate has a useful app for creating an inventory of items in your home. easy access to your policy from anywhere
Usaa
The customer service team is always super helpful. when i have a question they always connect me to the right person for a right solution
State Farm
To my knowledge, state farm does not have a mobile application. We work directly with the agent for any concerns
California Casualty
I don't have a complaint so, I would say I don't dislike it. I feel it's fair to use and has all details required.
Travelers
I used to be insured under Geico, and as it turns out, that lizard is full of shit. It is not cheaper.
Liberty Mutual
The rates can be a bit high, and once you put a claim in, rates may increase.
Usaa
I really do not use it that often but when I do I can easily manage it and get all the information I seek.
Allstate
I don't really have anything I dislike. Sometimes they send too many advertisements for products I am not interested in or emails to take surveys that do not really apply to me.
Country Financial
Prices seem high for the type of insurance with a multiple policy discount. Concerned what will happen to my rates if I make a claim. Company is good overall.

Wheat Ridge, CO Homeowners Insurance By Home Value

Wheat Ridge, CO Home Value Total Homes % of Total Average Wheat Ridge, CO Homeowners Insurance
Less than $50,000 198 2.0% $88
$80,000 to $89,999 143 2.0% $310
$100,000 to $124,999 198 2.0% $407
$125,000 to $149,999 242 3.0% $505
$150,000 to $174,999 655 9.0% $602
$175,000 to $199,999 782 10.0% $691
$200,000 to $249,999 2,048 28.0% $832
$250,000 to $299,999 1,305 18.0% $1027
$300,000 to $399,999 1,457 20.0% $1302

Top Home Insurance Agents Near Wheat Ridge, CO

Home Insurance Company Near Wheat Ridge, CO Homeowners Insurance Agency Near Wheat Ridge, CO Address
Travelers B&B Agency Inc-Lsi 667 E BRIDGE ST, BRIGTON, CO, 80601
Liberty Mutual Independent Keller Lowry Insurance, Inc. 1777 S Harrison St Ste 700, Denver, CO, 80210
Allstate Lori Quinata 621 Ken Pratt Blvd, Longmont, CO, 80501
State Farm Rich Walls 5939 S University Blvd, Greenwood Vlg, CO, 80121-2835
State Farm Susan Boynton 5104 S Field St Ste B, Littleton, CO, 80123-7330

Wheat Ridge, CO Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Wheat Ridge, CO

Streets in Wheat Ridge Area Homeowners Insurance Cost
W 36th Ave, 44th Pl, W 35th Pl, W 54th Ln, Rangeview Pl, W 49th Dr, Lutheran Pkwy, Lupine St, Hillside Dr, Newland Way$860
W 48th Pl, N Holland St, W 49th Pl, W 47th Pl, W 45th Ave, Lupine Ct, Pierce Ct, W 46th Pl, W Vivian Ct, N Dudley St$857
N Field Dr, Cole Cir, W 42nd Ave, Howell St, 48th Pl, Flora Ct, W 41st Ave, Kilmer St, Sandra Way, W 54th Dr$923
Routt Cir, W 51st Pl, W 40th Ave, Simms Pl, Rolfe Ct, Fig Way, Union Way, W 30th Dr, Berry Ln, Echo Dr$932
Ward Way, W 36th Pl, N Garrison St, Howell Rd, W 32nd Pl, W 28th Pl, Isabell St, 3 Acre Ln, W 23rd Pl, Xenon Way$927

Wheat Ridge, CO Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Wheat Ridge$132 to $135
Northeast Jefferson$133
Mountain View$130
Applewood$137

Wheat Ridge, 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
Northeast Jefferson CCD, Jefferson County, Colorado $133 $177 $266
Mountain View town, Colorado $130 $173 $260
Edgewater city, Colorado $131 $174 $261

Wheat Ridge, 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
Wheat Ridge, CO4.6%17.5%
Northeast Jefferson4.35%16.88%
Mountain View5.33%21.11%
Edgewater5.22%19.02%

Wheat Ridge Renters Insurance as a Percentage of Rent

Wheat Ridge Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 118 1.0% $797
$300 to $499 239 3.0% $1247
$500 to $749 2,181 36.0% $1922
$750 to $999 1,684 27.0% $2672
$1,000 to $1,499 1,476 24.0% $3797
$1,500 or more 300 4.0% $5447

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

Structure Type Deductible Company Premium
Frame $500 Acuity, A Mutual Insurance Company $2,191
Frame $500 Allstate Vehicle And Property Insurance $2,078
Frame $500 Armed Forces Insurance Exchange $1,393
Masonry $500 Country Mutual Insurance Company $2,258
Frame $500 Federal Insurance Company $1,815
Frame $500 National Farmers Union Prop & Cas $1,693
Masonry $500 Nationwide Insurance Company Of America $1,162
Frame $500 Pharmacists Mutual Insurance Company $973
Frame $500 Standard Guaranty Insurance Company $1,814

Wheat Ridge, CO Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,800$5,800
Yearly Wheat Ridge Homeowner Insurance Premium Example $3,400$2,600
Out of Pocket Expense During Claim$1,800$5,800
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $22,200$21,400
Net Savings to Wheat Ridge Home Owner from High Deductible Plan $800

Wheat Ridge, CO Home Insurance Costs With Home Replacement Value Scenarios

Scenario Wheat Ridge, CO Home Replacement Value MORE than Home Value Wheat Ridge, CO Home Replacement Value LESS than Home Value
Replacement Value $485,000 $308,000
Insurance Premium based on Replacement Value $2,475 $1,575
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $77,000 Risk Exposure from Under Insuring Coverage is $100,000
Premium Impact Insurance cheaper by $500/year Insurance costlier by $400/year

Example Wheat Ridge Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyChubb Group of InsuranceState Farm
Monthly Premium 8951166
Year Built 197419501983
Home Details 2 Beds, 1 Baths3 Beds, 2 Baths4 Beds, 2 Baths
Coverage Amount $250000-$300000$200000-$250000$400000-$500000
Deductible $2500-$5000 Deductible$5000 to $10,000 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1970 170,000 Metal Roof 1,260 2 $5000 to $10,000 Deductible 160 3 Stucco siding No
1974 435,000 Membrane Roof 3,270 4 $500- $1000 Deductible 920 5 Wood siding No
1961 190,000 Slate Shingles Roof 1,570 2 $500- $1000 Deductible 70 1 Fiber-Cement Siding yes
1971 375,000 Slate Shingles Roof 3,260 5 $1000-$2500 Deductible 150 1 Stucco siding yes
1955 460,000 Slate Shingles Roof 3,900 5 $500 Deductible 2170 10 Wood siding No
1958 145,000 Composition Roof 1,070 2 $500 Deductible 70 1 Fiber-Cement Siding yes
1976 530,000 Metal Roof 3,450 5 $500 Deductible 2240 12 Stucco siding No
1964 190,000 Asphalt Shingles Roof 1,390 3 $2500-$5000 Deductible 100 2 Wood siding No
1951 270,000 Wood Shake Roof 2,400 4 $5000 to $10,000 Deductible 300 4 Fiber-Cement Siding yes
1966 250,000 Asphalt Shingles Roof 2,260 4 $500 Deductible 780 8 Fiber-Cement Siding No
1954 160,000 Slate Shingles Roof 1,500 2 $5000 to $10,000 Deductible 120 4 Wood siding yes
1958 320,000 Asphalt Shingles Roof 2,190 3 $500 Deductible 1310 7 Fiber-Cement Siding No
1962 215,000 Asphalt Shingles Roof 1,500 2 $5000 to $10,000 Deductible 220 4 Wood siding yes
1964 215,000 Membrane Roof 1,400 2 $500 Deductible 860 8 Stone Siding yes
1989 390,000 Membrane Roof 2,840 5 $2500-$5000 Deductible 990 8 Brick siding yes
1974 150,000 Slate Shingles Roof 1,180 2 $2500-$5000 Deductible 300 6 Vinyl siding yes
1971 115,000 Membrane Roof 990 2 $500 Deductible 170 4 Stucco siding No
1988 150,000 Slate Shingles Roof 1,270 2 $2500-$5000 Deductible 180 4 Brick siding yes
1965 240,000 Composition Roof 1,770 3 > $10,000 Deductible 500 10 Stucco siding No
1981 480,000 Wood Shake Roof 3,190 4 $5000 to $10,000 Deductible 1800 10 Stucco siding No
1973 180,000 Shingles Roof 1,240 2 $1000-$2500 Deductible 430 7 Stone Siding No
1963 275,000 Wood Shake Roof 2,220 4 > $10,000 Deductible 400 5 Fiber-Cement Siding No
1967 140,000 Wood Shake Roof 960 2 $500 Deductible 410 9 Stucco siding No
1977 465,000 Slate Shingles Roof 3,950 5 $500- $1000 Deductible 850 4 Fiber-Cement Siding yes
1957 185,000 Membrane Roof 1,260 2 $5000 to $10,000 Deductible 800 12 Stucco siding yes
1956 185,000 Membrane Roof 1,240 2 $1000-$2500 Deductible 200 3 Stucco siding yes
1976 260,000 Membrane Roof 2,060 3 $2500-$5000 Deductible 800 9 Stone Siding No
1964 295,000 Asphalt Shingles Roof 2,540 4 $500 Deductible 790 6 Fiber-Cement Siding No
1950 190,000 Slate Shingles Roof 1,640 3 $1000-$2500 Deductible 390 8 Fiber-Cement Siding No
1957 435,000 Tile Roof 3,800 5 $5000 to $10,000 Deductible 210 2 Brick siding yes
1985 280,000 Slate Shingles Roof 1,860 3 $500- $1000 Deductible 1060 12 Brick siding yes
1951 235,000 Membrane Roof 1,950 3 $500- $1000 Deductible 1130 12 Brick siding No
1970 260,000 Tile Roof 2,480 5 $5000 to $10,000 Deductible 600 9 Stone Siding No
1988 145,000 Membrane Roof 1,330 3 $2500-$5000 Deductible 340 9 Vinyl siding yes

How To Make Your Wheat Ridge, CO Home Insurance Cheaper

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