How Can I Make My Lakewood, CO Home Insurance Cheaper

Gavop shows you how to buy homeowners insurance in Lakewood, CO by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.

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Estimate Appropriate Lakewood, CO Home Insurance Coverage Levels | Back to Top

Lakewood, CO - Neighbourhoods, Census Blocks & Streets 2 Bedroom 3 Bedroom
Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
W 9th Pl, Ohayre Ct, S Tabor St, W Bayaud Pl, Lakehurst Way, S Flora Way, Westview Dr, W Colorado Pl, Union Way, W 15th Dr $208,000 $190,000 $175,000-$200,000 $368,500 $350,000 $400,000-$500,000
Cornell Pl, W 6th Ave Svc Rd, W Auburn Ave, O'Hayre Ct, W Auburn Ct, S Zinnia Way, W Marlowe Ave, S Coors Dr, W Jewell Dr, S Cole St $190,500 $170,000 $175,000-$200,000 $258,500 $230,000 $250,000-$300,000
W Airview Ave, S Robb Ct, Nile Ct, Ellis Ct, S Wadsworth Cir, S Wright Ct, Robb Cir, S Otis Pl, W Hawaii Pl, W 2nd Cir $176,000 $140,000 $150,000-$175,000 $266,500 $240,000 $300,000-$350,000
26th Ave, W Bails Ave, W Harvard Dr, Garden Rd, W Belmar Ave, West Dakota Dr, W 22nd Way, S Allison Way, W Exposition Dr, S Vivian Way $168,000 $140,000 $150,000-$175,000 $138,000 $120,000 $125,000-$150,000
S Arbutus St, S Harrington Ln, W Cedar Cir, W Grant Ranch Blvd, S Mc Intyre St, W Rice Pl, Glen Dale Dr, W Radcliff Dr, Crabapple Rd, W Bayaud Ct $153,500 $140,000 $150,000-$175,000 $158,000 $140,000 $175,000-$200,000
W 33rd Pl, S Allison Ct, Willow Ct, Wasbury Ave, Skyline Dr, W New Mexico Pl, W Hamilton Dr, S Lake Rd, W Girton Ave, W 12th Ln $241,500 $200,000 $200,000-$250,000 $303,500 $250,000 $200,000-$250,000
W Auburn Pl, West Dakota Pl, S Drexel Way, Mc Intyre St, Pikeview St, S Endicott St, W Oregon Pl, W Tennessee Ave, S Lupine St, E Ida Dr $140,500 $120,000 $100,000-$125,000 $219,000 $180,000 $200,000-$250,000
S Estes Way, S Van Gordon Ct, S Braun St, S Manor Ln, Green Mountain Cir, Howell St, Braun Dr, Cole St, W Prentice Ave, W Dartmouth Pl $175,000 $160,000 $175,000-$200,000 $285,000 $250,000 $300,000-$350,000
Berry Pl, W Tennessee Ct, Mount Vernon Rd, W Oxford Cir, Youngfield Ct, Dudley St Alt, W Nassau Ave, W Bear Creek Dr, W Tufts Pl, S Lewis Way $156,000 $130,000 $150,000-$175,000 $211,500 $190,000 $200,000-$250,000
W Louisiana Pl, Kilmer St, W 30th Pl, W Arkansas Pl, S Xenon Way, W Cornell Ave, S Beech Way, W Utah Ave, W Hialeah Pl, Hampden Svc Rd $157,500 $140,000 $150,000-$175,000 $209,500 $180,000 $200,000-$250,000

Estimate your Savings with Home Insurance Discounts in Lakewood, CO | Back to Top

Type Discount ($) Premium After Discount ($)
Multipolicy Discount -$199 $1,127
Superior Protection Discount -$119 $1,206
Fire & Security Discount -$93 $1,233
Hail Resistant Roof Discount -$27 $1,299
Newly Constructed Home Discount -$371 $955

Choose the Right Deductible for your Lakewood, CO Home | Back to Top

Low Deductible ($500) High Deductible ($2500)
Place Example Claim Amount Yearly Premium Total Yearly Cost Yearly Premium Total Yearly Cost Net Savings for High Deductible Plan
Jefferson County $700 $1,395 $2,095 $1,014 $1,714 $381
Lakewood, CO $700 $1,310 $2,010 $952 $1,652 $358
West Pleasant View, CO $300 $1,360 $1,660 $989 $1,289 $372
Sheridan, CO $1,000 $917 $1,917 $666 $1,666 $251
Ken Caryl, CO $100 $991 $1,091 $720 $820 $271
Sherrelwood, CO $2,500 $878 $3,378 $638 $3,138 $240
Shaw Heights, CO $400 $1,265 $1,665 $919 $1,319 $346
Central Jefferson, CO $1,000 $1,144 $2,144 $831 $1,831 $313
Dove Valley, CO $500 $919 $1,419 $668 $1,168 $251
Thornton, CO $2,500 $1,224 $3,724 $890 $3,390 $335
Sugarloaf, CO $300 $2,420 $2,720 $1,758 $2,058 $661
Platteville, CO $1,000 $1,347 $2,347 $979 $1,979 $368

Identify Top Home Insurance Agents near Lakewood, CO | Back to Top

Home Insurance Company Lakewood, CO Homeowners Insurance Agency Lakewood, CO Address Popularity Score Distance from Lakewood (miles)
State Farm Brad Hughes 1156 W Dillon Rd Ste 2, Louisville, CO, 80027-1670
18.3
State Farm Mike Gibbs 3140 S Parker Rd, Aurora, CO, 80014
14.6
State Farm John Magoto 2401 E 6th Ave, Denver, CO, 80206-4212
8.7
Travelers The Insurance Place Inc 3110 S Wadsworth Blvd Suite 202, Lakewood, CO, 80227
3.3
State Farm Brett Carlini 20269 E Smoky Hill Rd Unit F, Centennial, CO, 80015-3112
20.4
Travelers Stailey Insurance 2084 S Milwaukee St, Denver, CO, 80210
8.9
Travelers Tag-Mark Schneider 2833 S Colorado Blvd, Denver, CO, 80222
9.7
Allstate Ken Kelley 333 W Hampden Ave Ste 760, Englewood, CO, 80110
7.4
Liberty Mutual Independent Alliance Insurance Agency 710 Ridge Rd #120, Golden, CO, 80401
5.2
Travelers Lf Insurance Group 12851 W 43rd Dr Ste 2, Golden, CO, 80403
5.6

Compare Rates for Lakewood, CO Home Insurance Providers | Back to Top

Compare Quotes from Top Providers and Save now!

Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
Colorado $286,100 $1,436 $1,010 $1,880 $870
Jefferson County, CO $334,100 $1,412 $990 $1,850 $860
Lakewood, CO $300,600 $1,326 $930 $1,740 $810
West Pleasant View, CO $262,200 $1,377 $960 $1,800 $840
Sheridan, CO $155,500 $928 $650 $1,220 $570
Ken Caryl, CO $310,900 $1,003 $700 $1,310 $610
Sherrelwood, CO $208,900 $889 $620 $1,160 $540
Shaw Heights, CO $221,000 $1,280 $900 $1,680 $780
Central Jefferson, CO $455,700 $1,158 $810 $1,520 $710
Dove Valley, CO $233,000 $930 $650 $1,220 $570
Thornton, CO $262,100 $1,239 $870 $1,620 $750
Sugarloaf, CO $525,700 $2,449 $1,710 $3,210 $1,500
Platteville, CO $256,100 $1,363 $950 $1,790 $840

Research Home Insurance Companies Reviews in Lakewood, CO Before Buying | Back to Top

Share a review on your home insurance company


USAA Home Insurance Reviews

Date: October 22, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Customer Service
I would rate my home insurance company a 5. I have been extremely satisfied with their customer service in the past when I've had to contact them. They have not only been very patient and informative.

Date: September 20, 2019    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Customer Service
having been my first time purchasing home insurance, I not only needed someone to guide me through the purchasing process but also explain to me the products and how they worked.

Date: August 14, 2019    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Premium
My premium is low, so I am pretty happy about that. I pay less than what some of my friends pay for comparable services with other companies.

Date: April 11, 2019    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Customer Service
The truth if I am very satisfied with the customer service, they are very attentive there are no complaints at the moment the truth I am extremely very satisfied

Date: April 06, 2019    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Policy Offerings
Their policy offerings are diverse. They fit my needs. Compared to other insurance providers they have a greater number of policy options and allow me to customize my coverage to meet my needs.


Date: January 31, 2019    Age: 20 to 29    Gender: Male    Marital Status: Married

Premium
I believe that deductible is about the same for USAA as with other insurance company policies. I have noticed a decrease in premium the longer I am with the company. It is relatively high but I think that the amount of coverage and protection I get makes it a fair deal.

Date: January 26, 2019    Age: 40 to 49    Gender: Female    Marital Status: Unmarried

Policy Offerings
USAA offers all the same policy options as any other home insurance company in the area. What it doesn't offer, like wind and storm (because insurance has to go through a specific group in NC) they make it easy to get.


Date: January 24, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
I think this price is very reasonable. They do not give you a bunch of added or hidden feed or charges that you are not sure what they are for.

Date: January 20, 2019    Age: 40 to 49    Gender: Female    Marital Status: Unmarried

Customer Service
They have excellent customer service because of their commitment to families of veterans

Date: November 22, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Policy Offerings
They offer very comprehensive coverage that the customer service representatives make it very clear to understand. we can put all of cars, home contents, and home onto the same plan easily.


State Farm Home Insurance Reviews

Date: January 14, 2020    Age: 40 to 49    Gender: Female    Marital Status: Married

Premium
The premiums that I pay are always considerably lower than any other major insurance company for the same coverage levels.

Date: July 14, 2019    Age: 50 to 59    Gender: Female    Marital Status: Married

Customer Service
They were extremely helpful in buying our house. There were some things we needed to fix and they gave us adequate time to correct them.

Date: February 10, 2019    Age: 20 to 29    Gender: Female    Marital Status: Married

Customer Service
I have had no issues that I needed to claim, so I have not reason to be dissatisfied. I would say I am satisfied.

Date: October 20, 2018    Age: Above 60    Gender: Female    Marital Status: Married

Website/App
Actually, I rarely use the website. I am sure I have been on the website but don't remember much about it. I am pretty old fashioned. If a person can help me, that is what I go with rather than an app or website.

Date: August 28, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Communication
The communication is satisfactory when it comes to dealing with the claims department. They actually seemed to care about you getting your forms correctly filled out so that nothing was delayed or missing. The agent's office communication is really nothing more than trying to add more lines to your policy.

Date: August 17, 2018    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Policy Offerings
The insurance policy covers the actual dwelling $494,000, along with $370,000 personal property. There is also an amendment for $100,00 in improvements. It also covers jewelry and furs up to $2,500, backup of sewer or drain. There is also a personal liability portion of $300,00 and a $1,000 medical. We also added identity restoration rider.


Date: August 09, 2018    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Customer Service
I don't really know what the point of having a State Farm agent is, because every time we have called with a problem we are directed to a people outside the agent's office. So other than getting the Christmas calendar magnet each year, I don't see the need for an actual agent.

Date: November 19, 2017    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Website/App
When we needed to file a claim a few years ago, the website was an easy place to look up the phone numbers and contacts for departments other than our insurance agent. We were able to find resource information on how to fill out loss forms. I have never used any mobile app from State Farm so I am not familiar with that.

Date: November 18, 2017    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Premium
We own another home that is located within 2 miles of the Atlantic ocean and is valued more than our primary home and the insurance is actually less. The insurance company we use there is not a giant named the insurance company that everyone knows their name and they are more affordable. We have shopped other insurance companies locally and they are a little less, but since we keep thinking we are going to move we are being lazy about switching.

Allstate Home Insurance Reviews

Date: December 30, 2018    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Premium
We have a pretty low deducable because we have never had to issue a claim or anything before.

Date: October 01, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Policy Offerings
They cover all about my home and my things that are in the back yard too and its not too expensive and easy to talk with them and a nice service


Date: September 17, 2018    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Customer Service
Sometime they send people like its not qualified to do those things and the disaprove

Date: September 06, 2018    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Premium
More faster and higher amount cover from home insurance and other things in the home

Date: May 30, 2018    Age: 50 to 59    Gender: Male    Marital Status: Married

Website/App
Sometimes they just take sometime to pay the things i need to my home and my family but its no son long

Date: May 12, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Communication
i like how they fast respond you messages and they just work well and try to do the best and more with a premium client

Safeco Insurance Home Insurance Reviews

Date: September 03, 2018    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Website/App
The website is extremely slow, and it isn't the most user-friendly. I bundled my car insurance with my homeowners and you think they would value my business. I also haven't had a loss in three years and my rates haven't really changed.

Date: August 16, 2018    Age: Above 60    Gender: Male    Marital Status: Married

Customer Service
I haven't really had too many interactions with them other than paying the premiums and receiving copies of the policies.

Date: August 10, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Policy Offerings
My dwelling, I have liability insurance as well. The limits are $300K. I also have scheduled property on the policy. I have an engagement ring and a wedding ring, among other items totaling about $30,000.


Date: August 09, 2018    Age: 50 to 59    Gender: Female    Marital Status: Married

Premium
I don't really know a lot about personal insurance. I think what I am paying is ok but maybe I can get a better price. How often are you supposed to market your homeowner's insurance? I should probably look more into this.

Date: May 03, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Communication
Like I said previously I really haven't had too much communication with the insurance company.

Progressive Home Insurance Reviews

Date: January 01, 2020    Age: 40 to 49    Gender: Male    Marital Status: Married

Customer Service
Customer service has been good during the times I had to interact with them. They have been knowledgeable and professional when addressing my issue.

Date: September 11, 2019    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Premium
The deductible could be slightly better but the premium really isn't that bad.

Date: July 24, 2019    Age: 20 to 29    Gender: Female    Marital Status: Married

Customer Service
i deal with my agent directly. theyre always prompt with following up either via phone call or e-mail. very good.

GEICO Home Insurance Reviews

Date: August 09, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Premium
Geico offered a deductible that was better than its other competitors and we already hold an auto policy with them. I am satisfied with the cost of the premium with Geico

California Casualty Home Insurance Reviews

Date: July 06, 2019    Age: 50 to 59    Gender: Female    Marital Status: Unmarried

Premium
We chose the deductible that we have to save a little money monthly. The rate is about the same as others.

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