How Can I Make My Grand Junction, CO Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Grand Junction, 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.
Compare Quotes from Top Providers and Save now!
Select the Suitable Coverage Value for your Grand Junction, CO Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $67,000 | $60,000 | $50,000-$75,000 |
| 2 Bedroom | $194,500 | $170,000 | $150,000-$175,000 |
| 3 Bedroom | $199,000 | $180,000 | $200,000-$250,000 |
| 4 Bedroom | $231,000 | $220,000 | $175,000-$200,000 |
| 5 Bedroom | $379,500 | $340,000 | $300,000-$350,000 |
Estimate your Savings with Home Insurance Discounts in Grand Junction, CO | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$159 | $977 |
| Superior Protection Discount | -$102 | $1,034 |
| Fire & Security Discount | -$91 | $1,046 |
| Hail Resistant Roof Discount | -$23 | $1,114 |
| Newly Constructed Home Discount | -$227 | $909 |
Choose your Grand Junction, CO Home Insurance Coverage for your Specific Claim Requirement | Back to Top
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,914 |
| Physical Damage | $2,488 |
| Hail Damage | $4,524 |
| Wind Damage | $6,433 |
| Expensive Claims | |
| Fire | $45,123 |
| Smoke | $17,389 |
Identify Top Home Insurance Agents near Grand Junction, CO | Back to Top
| Home Insurance Company Grand Junction, CO | Homeowners Insurance Agency Grand Junction, CO | Address | Popularity Score | Distance from Grand Junction (miles) |
|---|---|---|---|---|
| Farmers | Joshua Dewitt | 327 N 7th St Ste 2, Grand Junction, CO, 81501 | 1.3 | |
| Farmers | Michael Baker | 436 Independent Ave, Grand Junction, CO, 81505 | 0.5 | |
| Allstate | Doug Deweber | 332 E Aspen Ave Ste 200, Fruita, CO, 81521 | 9.7 | |
| Travelers | Beckner Power Insurance Inc | 2415 F Rd, Ste B Grand Junction, Grand Junction, CO, 81505 | 1.6 | |
| Allstate | Robin Dujay | 1119 N 1st St Ste G, Grand Junction, CO, 81501 | 0.7 | |
| Allstate | Vince Cope | 812 Rood Ave, Grand Junction, CO, 81501 | 1.5 | |
| Liberty Mutual Independent | Moody-Valley Insurance Agency | 760 Horizon Dr Ste 302, Grand Junction, CO, 81506 | 3.8 | |
| Allstate | Kyle Turley | 1910 N 12th St Ste A, Grand Junction, CO, 81501 | 1.8 | |
| Farmers | Wendi Wells | 2478 Patterson Rd Ste 21, Grand Junction, CO, 81505 | 1.1 | |
| Travelers | Pete Tarr Insurance | 253 W 5th, Delta, CO, 81416 | 36.0 |
Compare Rates for Grand Junction, 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 |
| Mesa County, CO | $207,900 | $1,161 | $810 | $1,520 | $710 |
| Grand Junction, CO | $197,600 | $1,136 | $800 | $1,490 | $690 |
| Orchard Mesa, CO | $171,300 | $819 | $570 | $1,070 | $500 |
| Fruitvale, CO | $186,500 | $848 | $590 | $1,110 | $520 |
| Clifton, CO | $166,000 | $808 | $570 | $1,060 | $490 |
| Loma, CO | $278,700 | $1,417 | $990 | $1,860 | $870 |
| De Beque, CO | $181,000 | $1,178 | $820 | $1,540 | $720 |
| West Garfield, CO | $188,400 | $1,198 | $840 | $1,570 | $730 |
| Collbran, CO | $280,000 | $1,421 | $990 | $1,860 | $870 |
| Orchard City, CO | $192,900 | $1,210 | $850 | $1,590 | $740 |
| Delta County, CO | $206,200 | $1,157 | $810 | $1,520 | $710 |
| Olathe, CO | $209,400 | $889 | $620 | $1,170 | $550 |
Research Home Insurance Companies Reviews in Grand Junction, CO Before Buying | Back to Top
Share a review on your home insurance company
USAA Home Insurance Reviews
Date: March 10, 2019 Age: 50 to 59 Gender: Female Marital Status: Married
Customer Service
My experience with my home insurance company has been terrific, they always are willing to help if i have a problem we recently bought a house and they were on it right away no problems.
Date: January 30, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
My premium and deductible are slightly higher than those around me for the same coverage. I pay around $100 dollars every month which is rolled into the mortgage. The deductible for some things are $500-$1000. Other things do not carry a deductible.
Date: January 29, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Policy Offerings
My home insurance company has multiple policy offerings compared to other insurance providers. They make the policies fit with your home situation.
State Farm Home Insurance Reviews
Date: September 17, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Premium
It is more expensive than comparable plans. That said, I am ok with this because a portion of the claims goes to pay the local rep who has been incredibly helpful.
Date: July 28, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Policy Offerings
Our policy offers varying levels of coverage and we can adjust it to meet the needs of the assets we own.
Date: April 04, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Policy Offerings
They provide good offerings although they are quite expensive. i think other people offer it for much cheaper but im unsure about their service.
AAA Home Insurance Reviews
Date: October 23, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Premium
I dont know much about what the other companies provide. I can only speak from my personal experience with my own company.
Travelers Home Insurance Reviews
Date: June 02, 2019 Age: 20 to 29 Gender: Unmarried Marital Status: Female
Premium
I think that they have a higher minimum deductible than what I would have chosen otherwise, but they were the cheapest option of the nearly five other companies that I shopped when I bought my house.
GEICO Home Insurance Reviews
Date: November 06, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Policy Offerings
mostly anything inside the house. would not include irrigation, would include water heater, air conditioning, etc.
Amica Mutual Insurance Home Insurance Reviews
Date: November 19, 2018 Age: Above 60 Gender: Female Marital Status: Unmarried
Customer Service
I have an Insurance Company representative who I work with so I have not had the opportunity to speak with American Commerce directly.