Gavop's guide to buying homeowners insurance in Berthoud, 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.
| Berthoud, CO - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 4 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Green Ridge Rd, N 5th St, Buehler Acres Dr, Lucille Ct, Pine Hill Dr, Hawg Wild Rd, Bruce Dr, Meadowlark Dr, French Hill Dr, Pole Hill Rd | $253,500 | $240,000 | $200,000-$250,000 | $352,500 | $300,000 | $300,000-$350,000 |
| W Co Rd 6, Riverside Ct, Marshall Pl, Evergreen Ave, Michigan Ave, Bennet Rd, Jones Pl, Longs Peak Ave, E County Line Rd, Monroe Ave | $313,500 | $280,000 | $350,000-$400,000 | $298,500 | $260,000 | $300,000-$350,000 |
| S Creek 13, Ranch Rd, W Co Rd 10E, Wilfred Rd, Mountain Ave, E Colorado Ave, Hollyberry St, Landmark Dr, Cabestro Ave, Lake Hollow Rd | $300,500 | $260,000 | $300,000-$350,000 | $443,000 | $400,000 | $350,000-$400,000 |
| Marron Dr, Wilshire St, N 1st St, Charro Ave, Branding Iron Way, Bunyan Ave, Shoreside Dr, N 10th St, S Co Rd 23, Caballo Ave | $322,000 | $280,000 | $350,000-$400,000 | $505,000 | $460,000 | $500,000-$600,000 |
| 6th Street Ct, Holmes Pl, S County Line Rd, N Co Rd 23, N Co Rd 27E, Glenview Dr, N 7th St, Blue Mountain Ave, Indian Blind Trl, Munson Ct | $256,500 | $240,000 | $250,000-$300,000 | $463,500 | $420,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$191 | $814 |
| Superior Protection Discount | -$90 | $914 |
| Fire & Security Discount | -$90 | $914 |
| Hail Resistant Roof Discount | -$30 | $975 |
| Newly Constructed Home Discount | -$231 | $774 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $7,163 |
| Hail Damage | $5,211 |
| Wind Damage | $9,515 |
| Expensive Claims | |
| Fire | $36,771 |
| Accidental Discharge/Leakage | $8,366 |
| Optional Coverage Losses | $7,991 |
| Home Insurance Company Berthoud, CO | Homeowners Insurance Agency Berthoud, CO | Address | Popularity Score | Distance from Berthoud (miles) |
|---|---|---|---|---|
| Farmers | Bob Snyder | 1135 N Lincoln Ave Ste 2, Loveland, CO, 80537 | 8.0 | |
| Farmers | Brian Fox | 2101 Ford St, Golden, CO, 80401 | 38.7 | |
| Travelers | Welsh Insurance Agency | 1310 E Eisenhower Blvd, Loveland, CO, 80537 | 8.6 | |
| State Farm | Pamela Buckland | 6600 S Broadway, Centennial, CO, 80121-2308 | 49.8 | |
| Liberty Mutual Independent | Morrison Insurance | 3282 S Wadsworth Blvd, Lakewood, CO, 80227 | 45.1 | |
| State Farm | Mike Bagley | 645 Mountain Ave, Berthoud, CO, 80513 | 3.8 | |
| Liberty Mutual Independent | Manor Insurance Agency Inc | 1325 S Colorado Blvd Ste 210, Denver, CO, 80222 | 44.0 | |
| State Farm | Doris Stipech | 8100 Ralston Road, Arvada, CO, 80002-2456 | 35.1 | |
| Travelers | Welsh Insurance Agency | 1752 Topaz Dr, Loveland, CO, 80537 | 8.7 | |
| State Farm | Malyka Korgan | 11078 Cimarron St Unit D, Firestone, CO, 80504-6600 | 15.0 |
| 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 |
| Larimer County, CO | $306,600 | $1,341 | $940 | $1,760 | $820 |
| Berthoud, CO | $345,100 | $1,005 | $700 | $1,320 | $620 |
| Tall Timber, CO | $610,800 | $2,725 | $1,910 | $3,570 | $1,660 |
| Sugarloaf, CO | $525,700 | $2,449 | $1,710 | $3,210 | $1,500 |
| Broomfield, CO | $356,500 | $1,480 | $1,040 | $1,940 | $900 |
| Eldorado Springs, CO | $822,900 | $569 | $400 | $750 | $350 |
| Greeley, CO | $200,500 | $1,143 | $800 | $1,500 | $700 |
| West Adams, CO | $235,500 | $1,314 | $920 | $1,720 | $800 |
| Golden, CO | $486,000 | $1,578 | $1,100 | $2,070 | $970 |
| Floyd Hill, CO | $400,000 | $1,819 | $1,270 | $2,380 | $1,110 |
| Empire, CO | $214,100 | $1,263 | $880 | $1,650 | $770 |
| Central Jefferson, CO | $455,700 | $1,158 | $810 | $1,520 | $710 |