Gavop shows you how to buy homeowners insurance in Derby, CO by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $31,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $89,000 | $80,000 | $100,000-$125,000 |
| 3 Bedroom | $116,000 | $100,000 | $125,000-$150,000 |
| 4 Bedroom | $130,500 | $110,000 | $125,000-$150,000 |
| 5 Bedroom | $139,000 | $120,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$168 | $714 |
| Superior Protection Discount | -$79 | $803 |
| Fire & Security Discount | -$62 | $820 |
| Hail Resistant Roof Discount | -$18 | $864 |
| Newly Constructed Home Discount | -$176 | $706 |
| 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 |
| Adams County | $700 | $1,182 | $1,882 | $859 | $1,559 | $323 |
| Derby, CO | $1,500 | $871 | $2,371 | $633 | $2,133 | $238 |
| Denver County, CO | $100 | $1,366 | $1,466 | $993 | $1,093 | $373 |
| Dacono, CO | $1,000 | $1,236 | $2,236 | $898 | $1,898 | $338 |
| Eldorado Springs, CO | $500 | $562 | $1,062 | $409 | $909 | $154 |
| Dakota Ridge, CO | $2,000 | $993 | $2,993 | $722 | $2,722 | $271 |
| Watkins, CO | $100 | $2,107 | $2,207 | $1,531 | $1,631 | $576 |
| Meridian, CO | $2,000 | $1,862 | $3,862 | $1,353 | $3,353 | $509 |
| Evergreen, CO | $400 | $1,071 | $1,471 | $779 | $1,179 | $293 |
| Jamestown, CO | $2,000 | $1,415 | $3,415 | $1,028 | $3,028 | $387 |
| Peoria, CO | $200 | $1,365 | $1,565 | $992 | $1,192 | $373 |
| Georgetown, CO | $1,500 | $1,320 | $2,820 | $959 | $2,459 | $361 |
| Home Insurance Company Derby, CO | Homeowners Insurance Agency Derby, CO | Address | Popularity Score | Distance from Derby (miles) |
|---|---|---|---|---|
| Farmers | Richard Walkup | 14231 E 4th Ave Ste 310, Aurora, CO, 80011 | 9.6 | |
| Liberty Mutual Independent | Bolder Insurance | 800 Jefferson Ave, Louisville, CO, 80027 | 15.0 | |
| State Farm | Doris Stipech | 8100 Ralston Road, Arvada, CO, 80002-2456 | 9.5 | |
| Farmers | Greg Delgado | 2839 Wyandot St, Denver, CO, 80211 | 7.8 | |
| Allstate | Diane R Kaasch | 9233 Park Meadows Dr # 100, Lone Tree, CO, 80124 | 19.8 | |
| Travelers | Walker Dilworth Llc | 1500 Leyden St, Denver, CO, 80220 | 6.9 | |
| Travelers | Insurance Consulting Services Llc | 300 S Jackson St Ste 500, Denver, CO, 80209 | 9.1 | |
| Liberty Mutual Independent | Hub International | 1801 Broadway Ste 820, Denver, CO, 80202 | 8.2 | |
| State Farm | Jack Downing | 1600 Stout St Ste 270, Denver, CO, 80202-3115 | 7.7 | |
| Liberty Mutual Independent | Madison Insurance Group | 600 S Cherry St Ste 900, Denver, CO, 80246 | 9.4 |
| 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 |
| Adams County, CO | $241,900 | $1,196 | $840 | $1,570 | $730 |
| Derby, CO | $138,400 | $882 | $620 | $1,160 | $540 |
| Denver County, CO | $322,900 | $1,382 | $970 | $1,810 | $840 |
| Dacono, CO | $209,100 | $1,251 | $880 | $1,640 | $760 |
| Eldorado Springs, CO | $822,900 | $569 | $400 | $750 | $350 |
| Dakota Ridge, CO | $312,000 | $1,005 | $700 | $1,320 | $620 |
| Watkins, CO | $457,100 | $2,133 | $1,490 | $2,790 | $1,300 |
| Meridian, CO | $413,900 | $1,885 | $1,320 | $2,470 | $1,150 |
| Evergreen, CO | $433,600 | $1,085 | $760 | $1,420 | $660 |
| Jamestown, CO | $284,400 | $1,432 | $1,000 | $1,880 | $880 |
| Peoria, CO | $264,300 | $1,382 | $970 | $1,810 | $840 |
| Georgetown, CO | $244,700 | $1,336 | $940 | $1,750 | $810 |