How Can I Make My Jefferson, CO Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Northeast Jefferson, 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.
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Estimate Appropriate Jefferson, CO Home Insurance Coverage Levels | Back to Top
| Jefferson, 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 | |
| W Woods Cir, W 89th Ave, W Quinn Dr, W Security Ave, Swadley Dr, W 67th Ln, Eldridge Cir, Lakewood Village Dr, Routt Cir, W 71st Cir | $216,500 | $200,000 | $200,000-$250,000 | $164,000 | $150,000 | $175,000-$200,000 |
| Rensselaer Dr, W 34th Pl, Paramount Pkwy, 68th Ave, Harlan Ct, Norse St, W Warren Ave, Bradford Dr, W Nova Pl, W Tanforan Pl | $263,000 | $210,000 | $250,000-$300,000 | $193,500 | $160,000 | $200,000-$250,000 |
| W 79th Way, S Union Ter, W Bellewood Pl, W Dartmouth Pl, W Hoover Pl, Umber Dr, S Wadsworth Cir, S Queen Ct, S Indiana St, W Vassar Pl | $235,000 | $220,000 | $175,000-$200,000 | $186,500 | $180,000 | $175,000-$200,000 |
| Orchard Ct, W Berry Ave, W 39th Pl, 1st Dr, W Brittany Dr, S Van Gordon Ct, S Ingalls Ct, Clara Belle Dr, W 106th Ave, Devinney St | $298,500 | $250,000 | $300,000-$350,000 | $201,500 | $170,000 | $175,000-$200,000 |
| N Holland St, W Tufts Ave, W 74th Dr, S Valentine Way, Zang Way, W 118th Pl, W 99th Ave, W 71st Cir, S Beech St, Church Ranch Blvd | $305,000 | $290,000 | $300,000-$350,000 | $238,500 | $210,000 | $200,000-$250,000 |
| Soda Lakes Rd, W 75th Dr, Coal Creek Canyon Rd, W Belmont Ave, S Lupine St, W Hoover Ave, Applewood Dr, Cole St, W 31st Ave, W 56th Ave | $324,500 | $260,000 | $250,000-$300,000 | $196,000 | $170,000 | $200,000-$250,000 |
| W 45th Dr, Bowles Pl, W Remington Pl, Benton Cir, W Brittany Pl, Lupine Ct, W Canyon Trl, W 34th Dr, S Allison Cir, Holman St | $241,000 | $220,000 | $200,000-$250,000 | $150,000 | $130,000 | $175,000-$200,000 |
| W Louisiana Pl, S Van Dyke Way, W Eldorado Pl, John F Kirby Dr, Jay Cir, W 46th Cir, W Pleasant Ave, W Fair Pl, Secrest Cir, S Eldridge Way | $249,000 | $230,000 | $200,000-$250,000 | $122,500 | $110,000 | $75,000-$100,000 |
| Hawaii Dr, Nolan St, W 72nd Dr, S Allison Way, W Walker Dr, W Airview Ave, W Geddes Pl, W San Juan Dr, W David Dr, W Harvard Dr | $251,000 | $230,000 | $250,000-$300,000 | $211,000 | $190,000 | $200,000-$250,000 |
| W Maplewood Dr, 93rd Pl, W 64th Dryyank Ct, W 93rd Way, W 64th Dr, W Marlowe Ave, Holland Dr, S Beech Cir, Arbutus Dr, W 49th Ave | $265,500 | $220,000 | $250,000-$300,000 | $236,000 | $210,000 | $175,000-$200,000 |
Bundle your Jefferson, CO Auto & Home Insurance from the Same Company | Back to Top
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$91 | $916 |
| Home and Two Car | -$161 | $845 |
| Home and Three Car | -$242 | $765 |
Choose the Right Deductible for your Jefferson, CO Home | Back to Top
| 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 | $700 | $1,395 | $2,095 | $1,014 | $1,714 | $381 |
| Jefferson, CO | $700 | $994 | $1,694 | $723 | $1,423 | $272 |
| Paragon Estates, CO | $1,000 | $594 | $1,594 | $431 | $1,431 | $162 |
| Meridian, CO | $100 | $1,862 | $1,962 | $1,353 | $1,453 | $509 |
| Foxfield, CO | $2,500 | $2,715 | $5,215 | $1,973 | $4,473 | $742 |
| Castle Rock, CO | $100 | $1,462 | $1,562 | $1,062 | $1,162 | $399 |
| Franktown, CO | $1,500 | $1,602 | $3,102 | $1,164 | $2,664 | $438 |
| Berthoud, CO | $200 | $993 | $1,193 | $721 | $921 | $271 |
| Byers, CO | $1,500 | $1,119 | $2,619 | $813 | $2,313 | $306 |
Identify Top Home Insurance Agents near Jefferson, CO | Back to Top
| Home Insurance Company Jefferson, CO | Homeowners Insurance Agency Jefferson, CO | Address | Popularity Score | Distance from Jefferson (miles) |
|---|---|---|---|---|
| Farmers | Brian Fox | 2101 Ford St, Golden, CO, 80401 | 4.5 | |
| Liberty Mutual Independent | Irg Underwriters Llc | 6501 E Belleview Ave Ste 550, Englewood, CO, 80111 | 14.6 | |
| State Farm | John Magoto | 2401 E 6th Ave, Denver, CO, 80206-4212 | 9.3 | |
| Allstate | George Skirka Jr | 12191 Ralston Rd Ste 103, Arvada, CO, 80004 | 4.0 | |
| Travelers | Vela Insurance | 5285 W Louisiana Ave, Lakewood, CO, 80232 | 5.8 | |
| Travelers | Elite Insurance Group Inc | 4485 Wadsworth Blvd Ste 111, Wheat Ridge, CO, 80033 | 3.0 | |
| Travelers | The Insurance Place Inc | 3110 S Wadsworth Blvd Suite 202, Lakewood, CO, 80227 | 7.0 | |
| Farmers | Holly Mullins | 14221 E 4th Ave Ste 100, Aurora, CO, 80011 | 16.4 | |
| State Farm | Kimberly Brogan Smith | 867 Englewood Pkwy, Englewood, CO, 80110-2300 | 9.8 | |
| Farmers | Allison Henderson | 2560 Sheridan Blvd Ste 1, Denver, CO, 80214 | 4.0 |
Compare Rates for Jefferson, 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 |
| Jefferson County, CO | $334,100 | $1,412 | $990 | $1,850 | $860 |
| Jefferson, CO | $312,400 | $1,006 | $700 | $1,320 | $620 |
| Paragon Estates, CO | $894,100 | $601 | $420 | $790 | $370 |
| Meridian, CO | $413,900 | $1,885 | $1,320 | $2,470 | $1,150 |
| Foxfield, CO | $618,100 | $2,748 | $1,920 | $3,600 | $1,680 |
| Castle Rock, CO | $356,600 | $1,480 | $1,040 | $1,940 | $900 |
| Franktown, CO | $350,000 | $1,621 | $1,130 | $2,120 | $990 |
| Berthoud, CO | $345,100 | $1,005 | $700 | $1,320 | $620 |
| Byers, CO | $165,000 | $1,133 | $790 | $1,480 | $690 |
Research Home Insurance Companies Reviews in Jefferson, CO Before Buying | Back to Top
Share a review on your home insurance company
State Farm Home Insurance Reviews
Date: December 21, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Policy Offerings
My home insurance company police offerings compared to other insurance providers is that with going through statefarm my insurance is always the same rate every month without a hassle. The next best thing about statefarm home insurance is that they offer bundles such as when you go through them with a vehicle or other things that you want insured, you get a bundle deal and save money rather than having to pay two things at a higher price!
Date: December 06, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Customer Service
I do most of my customer service online, and I really like their website and the fact that it gives me the ability to do almost everything on it.
Date: October 16, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Policy Offerings
Just the basics which cover accidental damage coverage. It is the lowest priced home insurance they have.
Date: September 21, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Website/App
It's a great website for submitting claims. It was easy to take pics and send them to State Farm for processing. It was simple, even my wife could understand.
Date: September 12, 2018 Age: 50 to 59 Gender: Male Marital Status: Unmarried
Premium
I think premiums could always be cheaper, who wouldn't want a cheaper premium? I wish it was cheaper but I understand why it cannot be so.
Date: June 12, 2018 Age: Above 60 Gender: Male Marital Status: Married
Communication
I love it all - Jennifer has been amazing during any claim processing that I have gone through - be it homeowner claim or an auto claim, she is there from start to finish.
Date: May 07, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Customer Service
I love my agent, Jennifer. She is amazing. She is always able to answer any questions I may have and is extremely curious.She is the best agent in the world.
USAA Home Insurance Reviews
Date: February 15, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Policy Offerings
We found that the offering of our insurance company was significantly higher than the competitor insurance companies. We have always been pleased with them.
Date: September 30, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Premium
USAA is available exclusively to Military Veterans, so I know I am getting a way better deal than most Americans.
Date: September 17, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Customer Service
The customer service at USAA is very friendly and helpful. Their call center is based in the USA and the employees are never rude and always solve every issue I have.
Date: August 26, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Policy Offerings
My insurance provider covers incidents such as Fire, Flood, Theft and Property Damage. My premium is 59 dollars per month.
Date: August 12, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Communication
I have no complaints about the interaction and communication of my insurance company. They are always quick to communicate with me when it comes to claims and my policy.
Date: May 14, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Website/App
The company's website is very easy to use. It is always fast and outages are very rare. I can always find what I'm looking for on the website and the website also helps me learn about other things the company offers.
Allstate Home Insurance Reviews
Date: November 30, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Customer Service
As far ar the customer service goes I feel that they treat me like everyone else. There is no real connection to the company or the people I talk to mainly because they are such a big company and I understand that.
Date: September 18, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Website/App
It keeps starting up and drains the battery. I wish it would stay asleep when I put the app to sleep
Date: August 06, 2018 Age: 50 to 59 Gender: Male Marital Status: Unmarried
Policy Offerings
Total loss of home, roof,siding, vehichles if in the garage, wedding rings, and injury
Date: July 31, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Premium
I wish it would be a little lower. The amount we pay per month and never use it would be better as a reward.
Date: July 26, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Communication
I wish that we would actually get our insurance cards in the mail like we used to. They say they send them but we never receive them.
Date: May 13, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Customer Service
Our agent is amazing. They answer the phone and act like we are friends. They remember things about us and are easy to talk to
American Family Home Insurance Reviews
Date: December 28, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Premium
The premium for this policy was slightly higher than a previous policy I had. However, it was still very reasonable for the coverage and it was much easier to obtain an estimate from this company.
Progressive Home Insurance Reviews
Date: March 30, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Policy Offerings
In the past I have used AAA (triple "A") and I am more satisfied with Progressive, because I am able to bundle my car and my home and the price is very reasonable!
Centauri Insurance Home Insurance Reviews
Date: December 30, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Premium
The premium is just and also a good amount it is about average if not cheaper than some of the other companies with the amount that is covered.