Gavop's guide to buying homeowners insurance in Lone Tree, CO covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $133,000 | $120,000 | $125,000-$150,000 |
| 2 Bedroom | $394,000 | $330,000 | $400,000-$500,000 |
| 3 Bedroom | $423,000 | $350,000 | $400,000-$500,000 |
| 4 Bedroom | $551,500 | $450,000 | $600,000-$700,000 |
| 5 Bedroom | $461,500 | $380,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$158 | $893 |
| Superior Protection Discount | -$95 | $956 |
| Fire & Security Discount | -$84 | $967 |
| Hail Resistant Roof Discount | -$21 | $1,030 |
| Newly Constructed Home Discount | -$231 | $819 |
| 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 |
| Douglas County | $2,500 | $1,235 | $3,735 | $898 | $3,398 | $338 |
| Lone Tree, CO | $1,000 | $1,038 | $2,038 | $754 | $1,754 | $284 |
| Meridian, CO | $300 | $1,862 | $2,162 | $1,353 | $1,653 | $509 |
| Highlands Ranch, CO | $700 | $1,236 | $1,936 | $898 | $1,598 | $338 |
| Greenwood Village, CO | $500 | $1,039 | $1,539 | $755 | $1,255 | $284 |
| South Aurora, CO | $1,000 | $1,340 | $2,340 | $974 | $1,974 | $366 |
| Englewood, CO | $300 | $1,233 | $1,533 | $896 | $1,196 | $337 |
| Twin Lakes, CO | $1,000 | $901 | $1,901 | $654 | $1,654 | $246 |
| Broomfield, CO | $500 | $1,462 | $1,962 | $1,062 | $1,562 | $399 |
| Louisville, CO | $2,000 | $1,037 | $3,037 | $754 | $2,754 | $283 |
| Divide, CO | $100 | $1,381 | $1,481 | $1,004 | $1,104 | $377 |
| Home Insurance Company Lone Tree, CO | Homeowners Insurance Agency Lone Tree, CO | Address | Popularity Score | Distance from Lone Tree (miles) |
|---|---|---|---|---|
| Allstate | Jeff Heinrich | 5001 S Parker Rd, Aurora, CO, 80015 | 7.0 | |
| Allstate | Tom Angone | 5230 E Arapahoe Rd Ste F4, Centennial, CO, 80122 | 5.4 | |
| Farmers | Doug Lampshire | 7505 Village Square Dr Ste 201, Castle Pines, CO, 80108 | 4.1 | |
| Allstate | Wermers Agency Inc | 1283 Kelly Johnson Blvd, Colorado Springs, CO, 80920 | 40.5 | |
| State Farm | Brett Carlini | 20269 E Smoky Hill Rd Unit F, Centennial, CO, 80015-3112 | 8.4 | |
| State Farm | Damy Mcdaniel | 12201 E Arapahoe Road, Centennial, CO, 80112-6759 | 4.6 | |
| Liberty Mutual Independent | The Young Insurance Group | 7200 E Dry Creek Rd 7200 E Dry Creek Rd, Centennial, CO, 80112 | 3.8 | |
| Farmers | Josh Henderson | 20971 E Smoky Hill Rd Ste 106-A, Centennial, CO, 80015 | 8.7 | |
| Travelers | The Wright Group | 1873 S Bellaire St Ste 600, Denver, CO, 80222 | 11.1 | |
| Liberty Mutual Independent | Usi Colorado Llc | 6501 S Fiddlers Green Cir Ste 100, Greenwood Village, CO, 80111 | 4.9 |
| 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 |
| Douglas County, CO | $407,100 | $1,250 | $880 | $1,640 | $760 |
| Lone Tree, CO | $573,200 | $1,051 | $740 | $1,380 | $640 |
| Meridian, CO | $413,900 | $1,885 | $1,320 | $2,470 | $1,150 |
| Highlands Ranch, CO | $407,200 | $1,251 | $880 | $1,640 | $760 |
| Greenwood Village, CO | $872,000 | $1,052 | $740 | $1,380 | $640 |
| South Aurora, CO | $253,300 | $1,356 | $950 | $1,780 | $830 |
| Englewood, CO | $266,100 | $1,248 | $870 | $1,640 | $770 |
| Twin Lakes, CO | $222,100 | $911 | $640 | $1,190 | $550 |
| Broomfield, CO | $356,500 | $1,480 | $1,040 | $1,940 | $900 |
| Louisville, CO | $489,400 | $1,050 | $730 | $1,370 | $640 |
| Divide, CO | $270,900 | $1,398 | $980 | $1,830 | $850 |