How much is homeowners insurance in Arvada,CO

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As per Insure.com’s rate data analysis, the average cost of homeowners insurance in Arvada is $4,535 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), It’s $1,953 more than the national average of $2,582 .

Homeowners insurance rates differ significantly from one home to another. Home insurance rates in Arvada depend on several factors, including:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

State Farm is the cheapest homeowners insurance company in Arvada with an average annual premium of $4,535 per year.

This guide covers everything from available coverage options to companies with the cheapest homeowners insurance rates in Arvada. Keep reading to learn about the monthly cost of homeowners insurance in Arvada, the cost for different dwelling coverage levels, and discover which companies provide the most affordable home insurance in Arvada.

Key takeaways

Homeowners insurance costs $4,535 per year in Arvada.
At $2,997 per year, State Farm offers the cheapest homeowners insurance in Arvada.
Your home insurance rates increase by $1,162 more annually if you increase your dwelling coverage from $200,000 to $300,000.

How much is homeowners insurance in Arvada per month

According to Insure.com’s rate analysis, residents of Arvada pay an average of $378 per month for homeowners insurance. This is $37 more than the state average of $341 and $163 more than the national average for home insurance across the United States. The cost of your homeowners insurance policy in Arvada can vary depending on your location, property value, and selected coverage options.

How much is homeowners insurance for a $200,000 house in Arvada

The average cost of homeowners insurance in Arvada, CO is $3,373 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The amount you pay for home insurance each year depends on many different things. The types of natural disasters or events that take place in your area affect how much you pay for coverage in your city.

Some areas are more at risk for natural disasters, like flood, hurricanes, or tornadoes. This means that if something happens, the cost of rebuilding would be higher in those areas, thereby leading to higher insurance premiums. Your insurance policy might not cover damage caused by floods or hurricanes. So, if you live in a flood-prone area, consider buying flood insurance coverage.

How much is homeowners insurance for a $300,000 house in Arvada

As per rate analysis by Insure.com, homeowners residing in Arvada typically pay an average of $4,535 annually to insure a home for coverage limits of $300,000 dwelling, $100,000 liability protection with a $1,000 deductible.

Your home insurance rates will be increased by $1,162 if you increase your dwelling coverage from $200,000 to $300,000. It is advisable to buy enough insurance sufficient insurance to cover the entire cost of rebuilding your home. However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

How much is homeowners insurance in Arvada by company

After evaluating several carriers, State Farm is the least expensive homeowners insurance provider in Arvada. It’s average annual rate for homeowners in Arvada is $2,997.

Allstate holds the second position, while American Family secures the third spot with an average annual home insurance rate of $3,832.

Researching the insurance company is crucial before selecting a homeowners insurance policy. Our experts have analyzed all insurance providers in Arvada and compiled a list of the cheapest home insurance providers. Below, you’ll find the home insurance companies in Arvada and their average annual premiums.

Home insurance company	Annual rate
State Farm	$2,997
Allstate	$3,343
American Family	$3,832
Farmers	$6,089
Nationwide	$6,569
USAA*	$3,721

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Arvada for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.