In Arvada, Colorado, Auto-Owners Insurance is both the overall best and cheapest choice for home insurance. If customer service is your priority, however, Chubb is best. These companies cater to different needs. Settling on best cheap coverage depends on factors like budget, service quality, and specific coverage needs.
Best and Cheapest Home Insurance in Arvada, CO (2024)
Updated: December 13, 2024
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Best HomeInsuranceArvada, COTable of Contents
Best Overall - Auto-Owners Insurance
Best for Service - Chubb
Best Cheap - Auto-Owners Insurance
Cheapest Overall - Auto-Owners Insurance
Cheapest for High-Value Homes - Auto-Owners Insurance
Cheapest for New Homes - Nationwide
Why Trust MoneyGeek? We based our picks for the top homeowners insurance in Arvada on data from Colorado's Department of Insurance and Quadrant Information Services. This method follows industry standards.
As of September 2024, the rates for home insurance in Arvada represent the most competitive quotes available.
2,937,600Quotes Analyzed
8Companies Compared
Overview: Best Home Insurance Companies in Arvada, CO
MoneyGeek found that Auto-Owners Insurance offers the best home insurance in Arvada, Colorado, with a MoneyGeek score of 96 out of 100 for 100K dwelling coverage. The scores for home insurance companies in Arvada range from 43 to 96. These figures reflect MoneyGeek's scoring system, where insurers may receive different scores based on your credit history, age of your home, and more.
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Category:Best Overall
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Coverages:1 - $100K Dwelling
| Auto-Owners Insurance | 96 | $1,028 |
| Chubb | 94 | $1,481 |
| State Farm | 88 | $1,241 |
| American Family | 81 | $2,099 |
| Nationwide | 61 | $3,217 |
| Allstate | 61 | $2,298 |
| Farmers | 43 | $4,842 |
Overall Best Home Insurance in Arvada, CO
MoneyGeek found that Auto-Owners Insurance is the best option in Arvada, Colorado for $100K dwelling coverage. The two best overall home insurance companies in Arvada for $100K dwelling coverage are:
- Auto-Owners Insurance: MoneyGeek score of 96 out of 100 ($1,028 per year)
- Chubb: MoneyGeek score of 94 out of 100 ($1,481 per year)
Auto-Owners Insurance stands out as the best home insurance, offering a balanced mix of affordability and customer satisfaction, which contribute significantly to its high MoneyGeek score.
In Arvada, Colorado, there are a variety of companies with different costs and service experiences. While cost is crucial, consider other factors like customer service and coverage options, as these will be important when you need to make claims.
Best OverallAuto-Owners Insurance
MoneyGeek Score:
96/ of 100
Overview
Auto-Owners Insurance scores high on affordability and coverage, making it a top choice. It offers guaranteed replacement cost and personal property replacement cost, providing comprehensive home insurance coverage. Discounts like responsible payment and paperless can help you save. Paying premiums on time or enrolling in paperless billing can qualify you for these savings.
Auto-Owners Insurance offers useful coverages like guaranteed replacement cost, which helps if your coverage limit is too low. Personal property replacement cost covers damage from leaks and more. Equipment breakdown covers failures of home appliances. These coverages provide valuable protection for homeowners.
Best Home Insurance for Customer Service in Arvada, CO
MoneyGeek found that Chubb offers the best customer service in home insurance in Arvada, Colorado, for $100K dwelling coverage. Highlighted by its outstanding customer satisfaction, Chubb leads with comprehensive and reliable service. The top two insurance providers for this coverage in Arvada are:
- Chubb: MoneyGeek score of 96 out of 100 ($1,481 per year)
- Auto-Owners Insurance: MoneyGeek score of 92 out of 100 ($1,028 per year)
Chubb excels due to its high customer satisfaction ratings, ensuring you receive the service you expect. If you want peace of mind, Chubb is a great choice for coverage.
Excellent service in home insurance means being helpful and quick to solve your problems.
Best for Service QualityChubb
MoneyGeek Score:
96/ of 100
Overview
Chubb is known for its great service quality, thanks to high customer satisfaction and coverage scores. It offers comprehensive home insurance with guaranteed replacement cost and building ordinance or law coverages. You can save with discounts like new home and home renovation.
Chubb's coverages are valuable for homeowners. Guaranteed replacement cost helps rebuild your home even if costs exceed limits. Building ordinance or law covers bringing your home up to code. Cash settlement offers flexibility if you choose not to rebuild. These coverages provide peace of mind and financial protection.
Best Cheap Home Insurance in Arvada, CO
MoneyGeek found that Auto-Owners Insurance is the best cheap home insurance company in Arvada, Colorado. The top two best cheap insurance providers for $100K dwelling coverage are:
- Auto-Owners Insurance: MoneyGeek score of 98 out of 100 ($1,028 per year)
- Chubb: MoneyGeek score of 93 out of 100 ($1,481 per year)
When it comes to the average cost of homeowners insurance in Colorado, Auto-Owners Insurance stands out for its affordability and competitive coverage options. However, when opting for cheap home insurance, remember it often means lower coverage. This is good for saving money, but it might not be enough in an emergency. In instances where saving on premiums is a priority, considering the cheapest homeowner insurance companies may be beneficial. The best cheap insurance is different from the cheapest because it offers good value in both cost and services.
Best CheapAuto-Owners Insurance
MoneyGeek Score:
98/ of 100
Overview
Auto-Owners Insurance scores high in affordability and customer satisfaction, making it a great choice. It offers Guaranteed Replacement Cost and Personal Property Replacement Cost as add-ons, providing comprehensive coverage. You can save with discounts like responsible payment, which rewards timely premium payments, and paperless billing. These options make Auto-Owners Insurance a smart pick for homeowners.
Auto-Owners Insurance provides useful coverages like equipment breakdown, which covers failures of home appliances, and building ordinance or law, which helps with costs to meet local codes. These coverages protect your home and save money in the long run.
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Dec 24, 2024
In Arvada, many factors affect homeowners insurance, with location being one. Comparing rates is key to saving money, but it can take over an hour to research three or more companies. MoneyGeek's home insurance calculator helps you save quickly by focusing on important factors. Enter your age, dwelling coverage, credit score, deductible, liability coverage, and more for an estimate.
Cheapest Home Insurance in Arvada, CO
MoneyGeek found that Auto-Owners Insurance is the best option for cheap home insurance in Arvada, Colorado. The company not only offers affordable annual premiums but also scores highly on quality.
- For 100K Dwelling Coverage: Auto-Owners Insurance: $1,028 per year
- For 250K Dwelling Coverage: Auto-Owners Insurance: $1,881 per year
- For 500K Dwelling Coverage: Auto-Owners Insurance: $2,927 per year
Auto-Owners Insurance stands out as the cheapest homeowners insurance in Arvada due to its low annual premium and high customer satisfaction. This blend of affordability and a strong MoneyGeek score makes it a reliable choice for homeowners. Choosing the right dwelling coverage is crucial for your insurance costs. Finding the cheapest homeowners insurance in Colorado can play a significant role in managing your finances effectively.
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Coverages:$100K Dwelling
| Auto-Owners Insurance | $1,028 |
| State Farm | $1,241 |
| Chubb | $1,481 |
| American Family | $2,099 |
| Allstate | $2,298 |
| Nationwide | $3,217 |
| Farmers | $4,842 |
Cheapest Home Insurance for High-Value Homes in Arvada, CO
MoneyGeek finds Auto-Owners Insurance is the best option in Arvada, Colorado for home insurance on high value homes. High dwelling coverage is important because homes are costlier to replace, resulting in increased home insurance costs.
- Cheapest for $750K Dwelling Coverage: Auto-Owners Insurance: $3,566 per year
- Cheapest for $1M Dwelling Coverage: Auto-Owners Insurance: $6,026 per year
Auto-Owners Insurance stands out among all companies surveyed due to its affordable rates for expensive homes in Arvada. According to MoneyGeek, even though it offers the cheapest rates, it also tops the list based on its overall performance.
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Coverages:1 - 750K dwelling
| Auto-Owners Insurance | $3,566 |
| American Family | $5,258 |
| State Farm | $5,400 |
| Allstate | $7,190 |
| Chubb | $10,789 |
| Farmers | $14,920 |
| Nationwide | $15,781 |
Cheapest Home Insurance for New Homes in Arvada, CO
Nationwide offers the cheapest home insurance for new homes in Arvada, Colorado.
- Cheapest for $100K Dwelling Coverage: Nationwide: $621 per year
- Cheapest for $250K Dwelling Coverage: Auto-Owners Insurance: $1,043 per year
- Cheapest for $500K Dwelling Coverage: Auto-Owners Insurance: $1,556 per year
Nationwide stands out as the cheapest option based on its lower cost. However, its affordability doesn't necessarily mean it is the best choice according to MoneyGeek's quality considerations.
Remember, while price is important, you also need to ensure that you are adequately covered for your needs.
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Coverages:1 - $100K Dwelling
| Nationwide | $621 |
| Auto-Owners Insurance | $640 |
| State Farm | $742 |
| Chubb | $1,083 |
| Allstate | $1,284 |
| American Family | $1,794 |
| Farmers | $3,666 |
How to Find the Best Home Insurance for You in Arvada, CO
The best cheap homeowners insurance providers balance quality and cost, offering great customer service and coverage with affordable premiums.
The best cheap homeowners insurance in Arvada depends on your needs. Consider factors beyond premiums, like coverage options and deductibles. Follow these steps to get best cheap home insurance:
- 1
Evaluate Your Insurance Needs
To determine how much home insurance coverage you need, consider the specifics of your home in Arvada, Colorado, including rebuilding costs, personal property value, and liability.
- 2
Compare Different Providers
Research insurance companies in Arvada, Colorado. Look for those with strong financial stability, positive customer reviews, and a history of quality service.
- 3
Compare Coverage and Costs
After identifying your coverage needs, compare home insurance quotes. In Arvada, Colorado, premiums for a $100K dwelling range from $1,028 with Auto-Owners Insurance to $3,217 with Nationwide.
- 4
Ask About Discounts
Inquire about possible discounts from each provider, such as those for bundling policies, installing safety features, or maintaining a claims-free history.
- 5
Increase Your Deductible
Opting for a higher home insurance deductible can reduce your premium, but ensure it's an amount you can afford in a claim.
- 6
Improve Home Security
Enhancing your home's security with systems and strong locks can lower its risk profile and potentially decrease insurance costs.
- 7
Maintain Good Credit
Keeping a strong credit score can influence your insurance rates in Arvada, Colorado. Pay bills on time and minimize outstanding debt.
- 8
Bundle Policies
Consider bundling your homeowners insurance with other policies like auto insurance to gain discounts and savings.
FAQ: Best Cheap Home Insurance in Arvada, CO
The best cheap home insurance provider for you in Arvada ultimately depends on how much coverage you need and how much you can spend. Get answers to some of the most commonly asked questions about the best cheap insurance rates in Arvada, Colorado.
How much is home insurance in Arvada, Colorado, on average?
The average home insurance cost in Arvada, Colorado is $1,789.
What is the cheapest home insurance company in Arvada, Colorado?
The cheapest home insurance company in Arvada, Colorado is Auto-Owners Insurance with an annual premium of $1,028.
What is the best home insurance company in Arvada, Colorado?
The best home insurance in Colorado for Arvada residents is provided by Auto-Owners Insurance, with a MoneyGeek score of 96 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.