Top 5 Home Insurance Companies in Denver, CO
Check out the most popular Home Insurance agencies & companies in Denver, CO & compare the best quotes from them.
Cost of Homeowners Insurance in Denver, CO
Denver, CO homeowners are paying an average of $1382.4 in home insurance each year. Factors that affect the cost of a policy include home value,coverage type, deductible and age or the material used to build your house.There are multiple ways to reduce the homeowners insurance cost, and the easiest way is to choose a higher deductible. Below is the summary of average home insurance costs available to Denver homeowners based on various factors.
Home Insurance Cost Based on Deductibles
The deductible is the amount of money that an homeowner pays out of pocket before their insurance policy begins to pay any claims. Choosing a higher deductible can help lower your monthly premiums, which in turn makes it more affordable as well. For example, homeowners in Denver can get $992.56 worth of coverage for as little as $2500 with a considerable discount available by opting for higher deductibles.Homeowners receive insurance for $1055.97 and $1235.58 respectively, on deductibles $2000 and $1500.
Due to the risk of damage from fires or other combustion reactions, a fire-resistant house, for example, will cut your average annual premium to $1244.16 in Denver. Likewise, Denver homes built with masonry and brick may expect to pay an average price for homeowners' insurance coverage of $1313.28. Whereas homes built with superior and hail resistant roofs pay a higher amount $1244.16 and $1354.75 respectively.
The age of the home is a significant factor in determining the cost of home insurance. Older homes are more likely to have structural problems, which raises the risk and thus the rates. Homes in Denver, CO that are 40 or 50 years old pay $1418.34 and $1434.93, respectively.On the other hand newly built homes are less prone to damage and home insurance companies offer substantial discounts to newly constructed homes. For instance newly constructed homes in Denver can avail lower insurance of $1050.62.
Homes with distinctive features are more likely to demand a higher premium than the state average. For instance, homeowners in Denver pay a cost of $1410.04 to install a swimming pool. In addition, homeowners who may have a swimming pool with a diving pool or a slide can get insurance for $1437.69 and $1465.34 respectively. Apart from these factors, Homeowners with high credit scores are likely to get lower rates from the Insurance companies.Credit score is a rating calculated and used by insurance providers that represents the chances of an individual filing a claim while under coverage.
Top Home Insurance Companies in Denver, CO
| Home Insurance Company | A.M. Best Financial Strength Rating | Homeowners Insurance Market share |
|---|---|---|
| State Farm | A | 20.05% |
| Liberty Mutual | A | 10.45% |
| Allstate | A+ | 9.47% |
| Erie | A+ | 3.5% |
| Nationwide | A+ | 2.29% |
Top Liberty Mutual Home Insurance Agents in Denver, CO
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Tom Kuan | 1013 37Th Avenue Ct Unit 101 80634 |
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| Amy Waldron | 1990 59th Ave Ste D 80634-9682 |
970-330-1100 | |
| Rudolph Garrison | 1223 28th Ave Ste 1 80634 |
(970) 518-7239 | |
| Robert J Mendez Lutcf | 12021 Pennsylvania St Ste 101 80241 |
(303) 252-9373 | |
| Jackie Digiulio | 7675 W 14TH AVE 201 80214 |
303-238-4381 | |
| Cici Roper | 1380 W Midway Blvd 80020-2016 |
303-466-1887 | |
| Anthony Berra | 5939 S University Blvd 80121-2835 |
303-347-8000 | |
| Jacob Preble | 6164 S NEWPORT ST 80111 |
303-907-9959 | |
| Anwar Rasheed | 13654 Xavier Ln Ste 101 80023-3607 |
303-466-8246 | |
| Christy Thompson | 1722 14th St Ste 110 80302-6334 |
303-449-7900 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Sherri Kennedy | 1660 S Albion St Ste 1005 80222 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Ken Boldt Ins Agency Inc | 8217 W 20TH ST STE B 80634 |
970-350-2644 | |
| Robert J Sabo Lutcf | 680 W 121ST AVE STE 110 80234 |
(303) 289-9737 | |
| Ed Bowman Ins Agency Inc | 4240 Kipling St Ste E 80033 |
(303) 232-6060 | |
| Darla Baker Ins Agency Llc | 6909 S Holly Cir 80112 |
303-770-5652 | |
| Robert J. Cellucci | 11152 Huron St Ste 209 80234 |
(720) 358-5800 | |
| Chad Matthew Lewis | 6460 E Yale Ave Unit E70 80222-7171 |
303-759-5165 | |
| B P Insurance Inc | 3384 S Broadway Ste A 80113-2401 |
303-761-1793 | |
| Jackie Gappa Agency Ltd | 307 WADSWORTH BLVD 80226 |
303-238-8225 | |
| Louise T Labrie Agency | 4020 W 103RD CT 80031 |
303-810-5987 | |
| Daniel S Helkowski Jr | 13654 Xavier Lane 80023-3607 |
303-466-8246 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Roger Roudebush | 1145 S Federal Blvd www.rogerroudebush.com 80219 |
(303) 975-8911 | |
| Jacob Rosell | 1901 W LITTLETON BLVD www.ratesbyjake.com 80120 |
303-795-8474 | |
| Chris Beck | 2900 Valmont Rd Ste A www.chrisbeckinsurance.com 80301-1344 |
303-447-2048 | |
| Sue Gilday | 138 3Rd St 80132 |
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| Randy Weissenhofer | 8340 Sangre De Cristo Rd Ste 208 www.randyweissenhofer.com 80127 |
(303) 325-5697 | |
| Jim Fosdick | 133 SAM WALTON LN www.jimfosdick.com 80104 |
303-814-1113 | |
| Gerald Gray | 3110 S Wadsworth Blvd Ste 108 80227 |
(303) 783-0900 | |
| Phil Lanphier | 509 S 4th Ave 80601 |
(303) 558-0653 | |
| Jim Goldsworthy | 11471 DARK STAR WAY www.jimgoldsworthy.com 80138 |
303-660-0632 | |
| Chris Markerson Jr | 3957 E 120th Ave Ste B www.chrismarkerson.com 80233-2077 |
303-452-1572 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Insurance Center Of Patrick Inc. | 3773 CHERRY CREEK N DR STE 575 www.insurancecenterofpatrick.com 80209 |
303-778-1900 | |
| Insurance Centers Inc. | 1642 S PARKER RD STE 203 80231 |
303-755-2378 | |
| Colson & Dickie Insurance Services | 9385 S Colorado Blvd Unit 109 80126-5241 |
303-683-8799 | |
| Slye Agency Llc | 8621 Washington St. 80229 |
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| In Focus Advisors Inc | 1032 S UNION BLVD STE 200 www.infocusadvisors.com 80228 |
720-328-9155 Email:info@infocusadvisors.com |
|
| C C & Associates Inc. | 15260 E Hampden Ave 80014-3908 |
303-693-1650 | |
| Henry A Latimer & Son Inc | 12191 W 64TH AVE STE 102 www.latimerinsurance.com 80004 |
303-463-9800 Email:latimer@latimerinsurance.com |
|
| Consolidated Agency Inc | 2400 28th Street Ste 200 80301-1241 |
303-444-1440 | |
| Chuck Harkness Insurance Agency Inc. | 2700 E Bridge St Ste 106 www.harknessins.com 80601-2561 |
303-654-1306 | |
| Detwiler - Brofford Insurance Inc. | 2030 E County Line Rd Unit N www.detwilerinsurance.com 80126 |
(303) 471-6554 |
| Nationwide | Liberty Mutual | Allstate Insurance | |
| Median Home Value ($) | 310,610 | 330,610 | 340,610 |
| Construction year | 1983 | 1970 | 1948 |
| Home Coverage ($) | $175000-$200000 | $250000-$300000 | $250000-$300000 |
| Total Premium ($) | $880 | $947 | $1285 |
Denver, CO Multi Policy Discounts by Home Insurance Companies
| Home Insurance Company | Multi Policy Discount (%) |
|---|---|
| Liberty Mutual | upto 17% |
| Nationwide | upto 10% |
| Erie | upto 16% |