Gavop shows you how to buy homeowners insurance in Jefferson County, 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 | $82,500 | $70,000 | $75,000-$100,000 |
| 2 Bedroom | $197,000 | $180,000 | $150,000-$175,000 |
| 3 Bedroom | $165,000 | $140,000 | $125,000-$150,000 |
| 4 Bedroom | $404,000 | $340,000 | $350,000-$400,000 |
| 5 Bedroom | $528,500 | $450,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$212 | $1,200 |
| Superior Protection Discount | -$141 | $1,271 |
| Fire & Security Discount | -$141 | $1,271 |
| Hail Resistant Roof Discount | -$28 | $1,384 |
| Newly Constructed Home Discount | -$367 | $1,045 |
| 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 | $1,000 | $1,395 | $2,395 | $1,014 | $2,014 | $381 |
| Jefferson County, CO | $2,000 | $1,395 | $3,395 | $1,014 | $3,014 | $381 |
| Central Jefferson, CO | $500 | $1,144 | $1,644 | $831 | $1,331 | $313 |
| Golden, CO | $2,000 | $1,559 | $3,559 | $1,133 | $3,133 | $426 |
| Cherry Creek, CO | $500 | $1,041 | $1,541 | $757 | $1,257 | $284 |
| Silver Plume, CO | $1,500 | $1,191 | $2,691 | $865 | $2,365 | $325 |
| Tall Timber, CO | $200 | $2,692 | $2,892 | $1,957 | $2,157 | $736 |
| Breckenridge, CO | $1,000 | $1,032 | $2,032 | $750 | $1,750 | $282 |
| Blue River, CO | $400 | $2,676 | $3,076 | $1,944 | $2,344 | $731 |
| Green Mountain Falls, CO | $700 | $1,297 | $1,997 | $943 | $1,643 | $355 |
| Arapahoe County, CO | $300 | $1,292 | $1,592 | $939 | $1,239 | $353 |
| Home Insurance Company Jefferson County, CO | Homeowners Insurance Agency Jefferson County, CO | Address | Popularity Score | Distance from Jefferson County (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Manor Insurance Agency Inc | 1325 S Colorado Blvd #210, Denver, CO, 80222 | 18.4 | |
| Travelers | Neville Insurance Associates | 6638 West Ottawa Ave, Littleton, CO, 80128 | 9.8 | |
| Liberty Mutual Independent | Lockton Companies | 8110 East Union Ste 700, Denver, CO, 80237 | 19.4 | |
| State Farm | Art Martinez | 7444 W Chatfield Ave Ste E, Littleton, CO, 80128-9112 | 9.2 | |
| State Farm | Eddie Olivas | 6496 E 73rd Ave, Commerce City, CO, 80022-1709 | 25.1 | |
| Travelers | A Complete Insurance Agency Inc | 8906 W Bowles Ave, Ste 130 , Littleton, CO, 80123 | 8.5 | |
| Travelers | A Complete Insurance Agency Inc | 8906 W Bowles Ave Ste 130, Littleton, CO, 80123 | 8.5 | |
| State Farm | Virginia Hooper | 10143 W Chatfield Ave Ste 12, Littleton, CO, 80127-4245 | 7.5 | |
| State Farm | Louis Materre | 5125 S Kipling Pkwy Ste 208, Littleton, CO, 80127-1736 | 8.2 | |
| Farmers | Bill May | 28000 Meadow Dr # 2, Evergreen, CO, 80439 | 5.5 |
| 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 |
| Jefferson County, CO | $334,100 | $1,412 | $990 | $1,850 | $860 |
| Central Jefferson, CO | $455,700 | $1,158 | $810 | $1,520 | $710 |
| Golden, CO | $486,000 | $1,578 | $1,100 | $2,070 | $970 |
| Cherry Creek, CO | $559,900 | $1,054 | $740 | $1,380 | $640 |
| Silver Plume, CO | $191,100 | $1,205 | $840 | $1,580 | $740 |
| Tall Timber, CO | $610,800 | $2,725 | $1,910 | $3,570 | $1,660 |
| Breckenridge, CO | $550,800 | $1,044 | $730 | $1,370 | $640 |
| Blue River, CO | $605,500 | $2,708 | $1,900 | $3,550 | $1,650 |
| Green Mountain Falls, CO | $235,100 | $1,313 | $920 | $1,720 | $800 |
| Arapahoe County, CO | $292,900 | $1,308 | $920 | $1,710 | $790 |