How much is homeowners insurance in Denver, NY

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In Denver, homeowners pay an average annual rate of $1,621 (for the coverage level of $300,000 for dwelling, $100,000 for liability protection, and $1,000 deductible), according to Insure.com’s rate analysis. It’s $883 less than the national average of $2,504.

Homeowners insurance rates change from one home to another. The home insurance premium in Denver depends on various factors, such as:

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

To ensure you secure the best homeowners insurance policy, compare quotes from multiple insurers, enabling you to find the right coverage that aligns with your specific requirements.

Read this guide to learn how much homeowners insurance costs monthly in Denver, what home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Denver.

How much is homeowners insurance in Denver per month

Denver homeowners pay an average of $135 a month, based on our rate analysis. It’s $13 less than the state average of $148 and $74 less than the national average for home insurance across the United States. The price of your homeowners insurance policy in Denver may vary depending on where you live, the value of your home, and the coverage you choose.

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

In Denver, NY, homeowners pay an average of $1,198 annually for a $200,000 house. The amount you pay for home insurance each year depends on factors such as – natural disasters or events within your locality.

Some regions are more at risk for natural disasters, like floods, hurricanes, or tornadoes, implying higher rebuilding rates in these areas are higher, resulting in higher insurance premiums. It’s essential to note that your insurance policy might not cover damages caused by floods or hurricanes. If you reside in an area prone to flooding, consider buying flood insurance.

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

Based on a rate analysis conducted by Insure.com, Denver residents pay an average of $1,621 per year to insure a home for coverage limits of $300,000 dwelling, $100,000 liability with a $1,000 deductible. If you plan to increase your dwelling coverage from $200,000 to $300,000, you must pay an additional $423 per year for home insurance.

Buying adequate insurance to cover the entire expense of rebuilding your home is best advisable. However, the amount of dwelling coverage you need may vary depending on your home’s size, amenities, and the cost of living in your area.

How much is homeowners insurance in Denver by company

After evaluating several carriers, American Family is the least expensive homeowners insurance provider in Denver. It’s average annual rate for homeowners in Denver is $795, while NYCM Insurance holds the second position.

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

Common natural disasters in New York that may affect home insurance

Natural disasters are unpredictable events that can cause significant damage to homes and property. Understanding these risks is important to ensure that your home insurance policy provides adequate protection in the event of a disaster.

Ice storm is the common natural disasters in New York that may influence your home insurance rates.

How home insurance protects you against natural disasters

Home insurance plays a crucial role in protecting your home and belongings in case of natural disasters. Events such as hurricanes, floods, earthquakes and wildfires can cause significant damage, and home insurance helps by covering the costs of repairs or replacement of your property. Depending on your policy, it may also provide coverage for temporary living expenses if your home becomes uninhabitable.

In addition to physical damage, home insurance typically covers liability costs if someone is injured on your property. This added protection gives homeowners peace of mind, knowing they have financial support during difficult times.

A standard home insurance policy may not cover all-natural disasters. Review your policy carefully to ensure you’re covered for the specific risks.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Denver 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.

Shivani Gite

Contributing Writer

 

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Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.

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