How Can I Make My Johnstown, CO Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in Johnstown-Milliken, 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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Select the Suitable Coverage Value for your Johnstown, CO Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $93,000 | $80,000 | $75,000-$100,000 |
| 2 Bedroom | $242,500 | $230,000 | $250,000-$300,000 |
| 3 Bedroom | $234,000 | $190,000 | $200,000-$250,000 |
| 4 Bedroom | $368,000 | $300,000 | $350,000-$400,000 |
| 5 Bedroom | $447,000 | $400,000 | $350,000-$400,000 |
Estimate your Savings with Home Insurance Discounts in Johnstown, CO | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$192 | $821 |
| Superior Protection Discount | -$101 | $912 |
| Fire & Security Discount | -$71 | $942 |
| Hail Resistant Roof Discount | -$20 | $993 |
| Newly Constructed Home Discount | -$213 | $800 |
Choose the Right Deductible for your Johnstown, 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 |
| Weld County | $2,000 | $1,189 | $3,189 | $864 | $2,864 | $325 |
| Johnstown, CO | $2,000 | $1,001 | $3,001 | $727 | $2,727 | $274 |
| Lyons, CO | $300 | $2,140 | $2,440 | $1,555 | $1,855 | $585 |
| Fort Collins, CO | $2,500 | $1,322 | $3,822 | $961 | $3,461 | $361 |
| Tall Timber, CO | $400 | $2,692 | $3,092 | $1,957 | $2,357 | $736 |
| Westminster, CO | $2,500 | $1,249 | $3,749 | $908 | $3,408 | $341 |
| Nunn, CO | $200 | $1,115 | $1,315 | $811 | $1,011 | $305 |
| Denver, CO | $1,500 | $1,366 | $2,866 | $993 | $2,493 | $373 |
| West Pleasant View, CO | $300 | $1,360 | $1,660 | $989 | $1,289 | $372 |
| Aurora, CO | $2,000 | $1,197 | $3,197 | $870 | $2,870 | $327 |
| Watkins, CO | $500 | $2,107 | $2,607 | $1,531 | $2,031 | $576 |
| East Adams, CO | $1,500 | $1,396 | $2,896 | $1,015 | $2,515 | $382 |
Identify Top Home Insurance Agents near Johnstown, CO | Back to Top
| Home Insurance Company Johnstown, CO | Homeowners Insurance Agency Johnstown, CO | Address | Popularity Score | Distance from Johnstown (miles) |
|---|---|---|---|---|
| State Farm | Anne Sandoval | 18511 E Hampden Ave Ste 210, Aurora, CO, 80013-3584 | 45.3 | |
| Farmers | Kelly Stephan | 9025 E Kenyon Ave Ste 207, Denver, CO, 80237 | 44.8 | |
| State Farm | Nicolas Lezama | 3527 W 12th St Ste C, Greeley, CO, 80634-2538 | 13.4 | |
| State Farm | Mike Bagley | 645 Mountain Ave, Berthoud, CO, 80513 | 8.0 | |
| Travelers | First Choice Insurance Agency | 11409 Business Park Circle, Suite 330 , Firestone, CO, 80504 | 9.3 | |
| Farmers | Greg Delgado | 2839 Wyandot St, Denver, CO, 80211 | 37.5 | |
| Nationwide | Mountain Plains Agency Llc | 4532 Mcmurry Ave Ste 101, Fort Collins, CO, 80525-8023 | 16.8 | |
| Travelers | Welsh Insurance Agency | 1752 Topaz Dr, Loveland, CO, 80537 | 9.8 | |
| Travelers | Guardian Insurance Group Llc | 215 W South 1st St, Johnstown, CO, 80534 | 2.9 | |
| State Farm | Malyka Korgan | 11078 Cimarron St Unit D, Firestone, CO, 80504-6600 | 9.4 |
Compare Rates for Johnstown, CO Home Insurance Providers | Back to Top
| 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 |
| Weld County, CO | $245,000 | $1,203 | $840 | $1,580 | $740 |
| Johnstown, CO | $281,700 | $1,013 | $710 | $1,330 | $620 |
| Lyons, CO | $462,100 | $2,166 | $1,520 | $2,840 | $1,320 |
| Fort Collins, CO | $305,600 | $1,338 | $940 | $1,750 | $810 |
| Tall Timber, CO | $610,800 | $2,725 | $1,910 | $3,570 | $1,660 |
| Westminster, CO | $273,500 | $1,265 | $890 | $1,660 | $770 |
| Nunn, CO | $163,600 | $1,129 | $790 | $1,480 | $690 |
| Denver, CO | $322,900 | $1,382 | $970 | $1,810 | $840 |
| West Pleasant View, CO | $262,200 | $1,377 | $960 | $1,800 | $840 |
| Aurora, CO | $231,000 | $1,212 | $850 | $1,590 | $740 |
| Watkins, CO | $457,100 | $2,133 | $1,490 | $2,790 | $1,300 |
| East Adams, CO | $276,800 | $1,413 | $990 | $1,850 | $860 |
Research Home Insurance Companies Reviews in Johnstown, CO Before Buying | Back to Top
Share a review on your home insurance company
State Farm Home Insurance Reviews
Date: April 07, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
Comparing with other insurance companies my company provides leverage to receive better premium finance rates.we can also view premium rates on online and pay through online.
Date: February 26, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Customer Service
They have a good plan for us that gives us good coverage at a low rate. We have a high deductible but its good coverage, god forbid something bad happens we will have to pay a little but everything will be covered on top of that deductible.
USAA Home Insurance Reviews
Date: January 30, 2019 Age: 20 to 29 Gender: Male Marital Status: Married
Premium
I am somewhat satisfied with the home insurance offerings provided by USAA. I believe that cheaper options are available so I will be exploring those in the near future.
Date: January 29, 2019 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Policy Offerings
My insurance policy is comparable to others. I dont think it was the absolute cheapest but it definitely wasnt the most expensive. Very competitive.
GEICO Home Insurance Reviews
Date: December 04, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Premium
The cost of Geico's policy for the same coverage that I used to have through American Family Insurance is way lower.