How Can I Make My Longmont, CO Home Insurance Cheaper
Gavop tells you how to get the best homeowners insurance in Longmont, CO by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
Compare Quotes from Top Providers and Save now!
Estimate Appropriate Longmont, CO Home Insurance Coverage Levels | Back to Top
| Longmont, CO - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| University Dr, Quail Rd, Baker St, Ogallala Rd, Palermo Pl, Lake Park Dr, Atwood St, Lincoln Ct, Chestnut Dr, 10th Ave | $191,000 | $170,000 | $175,000-$200,000 | $134,000 | $120,000 | $100,000-$125,000 |
| Prospect Rd, McCall Aly, Sheley Ct, Kiteley Ln, Steele St, Squires St, Redstone Ct, Rider Ridge Rd, Hartwick Cir, Saint Andrews Dr | $533,500 | $460,000 | $600,000-$700,000 | $247,500 | $200,000 | $250,000-$300,000 |
| N 107th St, Princeton Cir, Bluefield Ct, Cumberland Dr, Gardner Ct, Purdue Dr, Wadsworth Cir, Iowa Ave, 8th Ave, Elmhurst Cir | $384,000 | $340,000 | $350,000-$400,000 | $173,500 | $140,000 | $150,000-$175,000 |
| Gay St, 10th Ave, Meeker Pl, Seward Ave, Spring Creek Tl, Gay St, Collyer St, Medford St, Spring Creek Trl, E 17th Ave | $343,500 | $300,000 | $250,000-$300,000 | $407,500 | $380,000 | $300,000-$350,000 |
| S Pratt Pkwy, N 67th St, 14th Ave, Meadowdale Sq, Willowbrook Dr, Penhurst Cir, Cambridge Dr, Longview Ct, Tulip St, Peppertree Dr | $251,000 | $210,000 | $250,000-$300,000 | $316,500 | $290,000 | $300,000-$350,000 |
| Deerfield Rd, N 89th St, Riley Dr, Vasquez Ct, N 85th St, S Bowen St, Rider Ridge Pl, Lewis Ln, Primrose Ct, Cottonwood Ct | $196,000 | $170,000 | $150,000-$175,000 | $172,500 | $160,000 | $150,000-$175,000 |
| 1st St, Red Cloud Rd, Harvest St, Murray St, Zweck Ct, Parkview Dr, Riley Ct, Nimbus Rd, Park Dr, Henry Ct | $375,500 | $330,000 | $300,000-$350,000 | $198,000 | $180,000 | $200,000-$250,000 |
| Mallard Pl, Groover Dr, Whistler Dr, Feltham Pl, Vassar Ct, Buchanan Ln, Co Rd 69, Lake Park Ct, Faith Ct, Brooks Way | $386,000 | $360,000 | $300,000-$350,000 | $241,500 | $210,000 | $200,000-$250,000 |
| Andrew Alden St, Goss Dr, Whitehall Dr, Keystone Ct, Yale Way, Rose St, E Sussex Ct, Dillon Way, Whitehall Dr, Beech Cir | $245,000 | $220,000 | $200,000-$250,000 | $124,000 | $110,000 | $125,000-$150,000 |
| 18th Ave, Topaz Ct, 23rd Ave, Westlake Ct, Grant St, Sage Valley Rd, Secretariat Dr, Bradford St, Creekside Ln, Columbia Dr | $438,500 | $370,000 | $400,000-$500,000 | $398,000 | $340,000 | $300,000-$350,000 |
Estimate your Savings with Home Insurance Discounts in Longmont, CO | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$234 | $1,141 |
| Superior Protection Discount | -$124 | $1,251 |
| Fire & Security Discount | -$151 | $1,224 |
| Hail Resistant Roof Discount | -$41 | $1,334 |
| Newly Constructed Home Discount | -$344 | $1,031 |
Choose your Longmont, CO Home Insurance Coverage for your Specific Claim Requirement | Back to Top
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,095 |
| Physical Damage | $2,537 |
| Hail Damage | $4,571 |
| Wind Damage | $6,433 |
| Expensive Claims | |
| Fire | $44,229 |
| Smoke | $16,051 |
Identify Top Home Insurance Agents near Longmont, CO | Back to Top
| Home Insurance Company Longmont, CO | Homeowners Insurance Agency Longmont, CO | Address | Popularity Score | Distance from Longmont (miles) |
|---|---|---|---|---|
| State Farm | Erik Bartush | 2130 Main St Ste 9, Longmont, CO, 80501-1416 | 4.5 | |
| Farmers | Brian Dolan | 3775 Iris Ave Ste 3b, Boulder, CO, 80301 | 10.4 | |
| Allstate | Diane R Kaasch | 9233 Park Meadows Dr # 100, Lone Tree, CO, 80124 | 45.9 | |
| State Farm | Adam Bird | 11178 Huron St Ste 4, Northglenn, CO, 80234-3343 | 21.7 | |
| State Farm | Dave Diorio | 1075 E S Boulder Rd Ste 120, Louisville, CO, 80027-2557 | 13.5 | |
| Farmers | Ross Conquest | 6662 Gunpark Dr Ste 201, Boulder, CO, 80301 | 7.5 | |
| State Farm | Gene Mondragon | 1325 S Colorado Blvd Ste B502, Denver, CO, 80222-3303 | 36.0 | |
| Farmers | Jay Crispe | 328 Main St, Lyons, CO, 80540 | 5.5 | |
| Allstate | Catherine Davis | 1930 Main St, Longmont, CO, 80501 | 4.4 | |
| Farmers | Bill May | 28000 Meadow Dr # 2, Evergreen, CO, 80439 | 38.0 |
Compare Rates for Longmont, 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 |
| Boulder County, CO | $423,500 | $1,306 | $910 | $1,710 | $800 |
| Longmont, CO | $320,200 | $1,375 | $960 | $1,800 | $840 |
| Louisville, CO | $489,400 | $1,050 | $730 | $1,370 | $640 |
| Mountain Meadows, CO | $642,200 | $2,823 | $1,980 | $3,700 | $1,720 |
| Broomfield County, CO | $356,500 | $1,480 | $1,040 | $1,940 | $900 |
| Aristocrat Ranchettes, CO | $200,300 | $1,229 | $860 | $1,610 | $750 |
| Garden City, CO | $86,700 | $847 | $590 | $1,110 | $520 |
| Granby, CO | $296,500 | $1,040 | $730 | $1,360 | $630 |
| Wellington, CO | $238,300 | $939 | $660 | $1,230 | $570 |
| Idaho Springs, CO | $373,100 | $972 | $680 | $1,270 | $590 |
| Livermore, CO | $291,200 | $1,449 | $1,010 | $1,900 | $890 |
| Hot Sulphur Springs, CO | $195,300 | $1,216 | $850 | $1,590 | $740 |
Research Home Insurance Companies Reviews in Longmont, CO Before Buying | Back to Top
Share a review on your home insurance company
USAA Home Insurance Reviews
Date: September 20, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Customer Service
I have had pretty good luck with the customer service at USAA. They helped me get a new policy with them that was comparable to my previous one. They even added on some extra coverage.
Date: July 30, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Premium
The USAA home insurance premium is very fair in comparison to offers we looked at in the past, by a large margin. The deductible is almost non-existent when you take into comparison.
Date: April 17, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
I have not had to make any claims for my home insurance so I don't know if it's good or bad. I hope i never have to find out!
Date: April 07, 2019 Age: 20 to 29 Gender: Female Marital Status: Married
Customer Service
I don't care for home owner insurance customer service because not only can they be rude but they also want you to pay $700 before they come out to access the damage to your property.
Date: January 29, 2019 Age: 20 to 29 Gender: Male Marital Status: Married
Premium
USAA offers discounts for being apart of a military family. So my premium and deductible are very fair and better than most companies.
Date: January 25, 2019 Age: 20 to 29 Gender: Female Marital Status: Married
Premium
The premium is not too high, and our home insurance is coupled with auto insurance which helps with the cost. Overall I'm very satisfied.
Date: December 06, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Premium
Our policy premium and deductible were slightly cheaper than most leading insurance agencies and overall, I feel as though I have gotten a good deal on our premium compared to coverage level and deductible
Date: August 09, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Customer Service
USAA's customer service is the best that I have ever worked with. They are always friendly and helpful. They are always quick to help.
Date: August 08, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Website/App
I like that no matter when I need to get ahold of USAA, I always can. They are always quick to resolve any issues, or claims I may have. Their mobile app is the best I have ever used. I can always find the information I need quickly.
Date: July 28, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Communication
They are great about communication. Their web and mobile sites are interactive so you and the claims adjustor can leave messages about your claim. That way if it is after hours you can still leave a message or send in pictures if needed.
Date: May 15, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Premium
We were with another insurance company ( State Farm) and their premium was the same but did not cover even half the items that USAA covers.
Date: May 07, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Policy Offerings
It covers the house, and the items inside. It also covers some items and people on the property. It also pays some medical expenses.
Allstate Home Insurance Reviews
Date: September 24, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Customer Service
The customer service people are always polite and helpful. I do not call them often, but when I do, they have been very helpful.
Date: September 16, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Policy Offerings
My policy covers any damage to the structure as well as other buildings not attached to the house (like a shed). Also I would be compensated for my living expenses if I could not remain in my house (for instance if there was a fire). Also the policy covers medical payments if someone is hurt on my property.
Date: August 30, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Communication
The company has responded to my questions and they keep me up to date on what is going on with my account.
Date: August 03, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
I shopped around before I bought the Allstate policy. Their price was the lowest for the same amount of coverage I would have gotten with other companies.
Date: May 14, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Website/App
I find the website easy to use. I can find my local agent easily and information about when a payment is due, balance due for the year, etc. I have only had one claim with Allstate and it was settled quickly.
State Farm Home Insurance Reviews
Date: August 27, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Website/App
it seems to me a very complete web site of easy access and easy use has all the information that users need to know at hand and at a glance so that we can have them when we want
Date: July 30, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Premium
It seems to me that the relationship of the first is accurate and is well proposed by the part of the company to give us the greatest comfort to us its users in general terms I think one of the best notes offered by the market:
Date: March 13, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Customer Service
I like the kindness with which you are taken care of they make you feel at home they understand your problems and they attack them quickly and professionally everything I look for in an insurance company
Date: November 19, 2017 Age: 30 to 39 Gender: Female Marital Status: Married
Communication
sometimes take a little time to address the problems of users due to the high demand that exists in this company, I think you should expand your customer service staff
Date: November 18, 2017 Age: 20 to 29 Gender: Male Marital Status: Married
Policy Offerings
Covers damage from hurricane natural disasters as well as from disasters created by someone who can cause harm or accidents such as accidental fire
MetLife Home Insurance Reviews
Date: October 18, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Customer Service
I like my agent and enjoy the personalized service. However, she prefers to do everything via text message which I don't really like.
Liberty Mutual Home Insurance Reviews
Date: February 06, 2019 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Customer Service
I have been lucky in that I haven't had to use my home insurance. Getting the policy was easy and smooth. It was online through various questions about the property and I was done.
Nationwide Home Insurance Reviews
Date: November 27, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Customer Service
3. The customer service is fine but that doesnt matter when everything that ACTUALLY happens isnt covered. I dont care how nicely you say no, I have yet to be glad or grateful that I have the home insurance.
Centauri Insurance Home Insurance Reviews
Date: January 20, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Policy Offerings
I rate my company a four in comparison to other company's. They have a proven record for good rates compared to others on the market.
Farmer's Insurance Home Insurance Reviews
Date: December 25, 2018 Age: 50 to 59 Gender: Male Marital Status: Married
Premium
by increasing the deductible, I decrease the premium. I am glad to have a choice of dollar amount or percentage, and to specify different deductibles for different types of loss. in a total loss due to wind or storm, which is likely in Moore OK, I would receive enough money to either buy another house or rebuild on my lot.
Plummer Insurance Home Insurance Reviews
Date: January 01, 2019 Age: 50 to 59 Gender: Female Marital Status: Married
Policy Offerings
I love the fact that they have equipment brake down in their policy. I had to replace my air conditioning system and they covered it minus the deductible. I was very pleased.