In Centennial, Colorado, Auto-Owners Insurance offers both the overall best and cheapest options for home insurance. For priority customer service, Chubb is recommended. These companies meet different needs, so pick one based on what matters to you. Factors like coverage limits, deductibles or financial stability are important in choosing the best cheap home insurance.
Best and Cheapest Home Insurance in Centennial, CO (2024)
Updated: December 17, 2024
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Best HomeInsuranceCentennial, 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 use data from Colorado's Department of Insurance and Quadrant Information Services to find the top homeowners insurance in Centennial. Our recommendations are based on data and industry standards.
As of September 2024, the rates for home insurance in Centennial indicate the most competitive quotations.
2,937,600Quotes Analyzed
8Companies Compared
Overview: Best Home Insurance Companies in Centennial, CO
MoneyGeek found that Auto-Owners Insurance is the best option in Centennial, Colorado for 100K dwelling coverage, with a MoneyGeek score of 96 out of 100. The scores for home insurance companies in Centennial, Colorado range from 43 to 96. These figures reflect MoneyGeek's scoring system — insurers might receive different scores depending on factors such as credit history and age of your home.
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Category:Best Overall
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Coverages:1 - $100K Dwelling
| Auto-Owners Insurance | 96 | $1,030 |
| Chubb | 93 | $1,691 |
| State Farm | 86 | $1,439 |
| American Family | 81 | $2,228 |
| Nationwide | 63 | $3,250 |
| Allstate | 61 | $2,395 |
| Farmers | 43 | $5,302 |
Overall Best Home Insurance in Centennial, CO
MoneyGeek found that Auto-Owners Insurance is the best option in Centennial, Colorado, for $100K dwelling coverage. The two best overall home insurance companies in Centennial for $100K dwelling coverage are:
- Auto-Owners Insurance: MoneyGeek score of 96 out of 100 ($1,030 per year)
- Chubb: MoneyGeek score of 93 out of 100 ($1,691 per year)
Auto-Owners Insurance stands out as the best home insurance provider because it offers great affordability and a high coverage score, contributing significantly to its MoneyGeek score. In Centennial, Colorado, many companies provide different cost and service experiences. While cost is a key factor, considering customer satisfaction and coverage quality is equally important, especially when making claims.
Best OverallAuto-Owners Insurance
MoneyGeek Score:
96/ of 100
Overview
Auto-Owners Insurance has a high MoneyGeek score, thanks to its strong affordability and coverage ratings. It offers comprehensive home insurance with guaranteed replacement cost and personal property replacement cost coverages. Homeowners can save with discounts like responsible payment, which rewards timely premium payments, and paperless billing.
Auto-Owners Insurance provides useful coverages like guaranteed replacement cost, ensuring your home is fully covered if your limit is too low. The personal property replacement cost covers damage from appliance leaks and more. These coverages are valuable for protecting your home and belongings.
Best Home Insurance for Customer Service in Centennial, CO
MoneyGeek found that Chubb offers the best customer service in home insurance in Centennial, Colorado, for $100K dwelling coverage. If you are looking for top-rated providers, here are the leading choices:
- Chubb: MoneyGeek score of 96 out of 100 ($1,691 per year)
- Auto-Owners Insurance: MoneyGeek score of 92 out of 100 ($1,030 per year)
Chubb excels due to its outstanding customer satisfaction and comprehensive coverage options. The company's dedication to meeting your needs sets it apart. It combines quality service with noteworthy coverage, which is great if you prioritize both.
Excellent service in home insurance means offering prompt help, clear communication, and reliable claims processing. You will appreciate guidance and assistance when you need it most.
Best for Service QualityChubb
MoneyGeek Score:
96/ of 100
Overview
Chubb is the best for service quality, with high scores in Satisfaction and Coverage. 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. For example, you get a discount if your home is renovated within the last six years.
Chubb's guaranteed replacement cost helps rebuild your home even if costs exceed your policy limit. Building ordinance or law pays to bring your home up to current codes. Cash settlement lets you choose not to rebuild and get a cash payout instead. These coverages protect your home and belongings.
Best Cheap Home Insurance in Centennial, CO
MoneyGeek found that Auto-Owners is the best cheap home insurance option in Centennial, Colorado for $100K dwelling coverage. The top two best cheap insurance providers for $100K dwelling coverage are:
- Auto-Owners Insurance: MoneyGeek score of 98 out of 100 ($1,030 per year)
- Chubb: MoneyGeek score of 92 out of 100 ($1,691 per year)
When it comes to the average cost of homeowners insurance in Colorado, Auto-Owners stands out. While searching for the cheapest homeowner insurance companies can be good when saving on premiums is important, remember that cheap insurance often means lower coverage, which may not be enough in certain situations. Best cheap insurance focuses on both affordability and quality, while cheapest insurance simply prioritizes lower prices.
Best CheapAuto-Owners Insurance
MoneyGeek Score:
98/ of 100
Overview
Auto-Owners Insurance scores high on affordability and customer satisfaction, making it a top choice. It offers guaranteed replacement cost and scheduled personal property coverages. You can save with discounts like responsible payment for paying on time and paperless for online billing. These help lower your costs.
Auto-Owners Insurance provides useful coverages like guaranteed replacement cost, which helps if your home needs full replacement. Scheduled personal property covers special items, and personal property replacement cost protects your belongings. These coverages are valuable for keeping your home safe.
Estimate Your Centennial Home Insurance Costs Online
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Rates updated:
Dec 24, 2024
In Centennial, several factors impact homeowners' insurance, with location being key. Comparing rates is the best way to save, though it may take over an hour as each company takes about 15 minutes. MoneyGeek's home insurance calculator saves you time by focusing on key factors like age, dwelling coverage, credit score, deductible and liability coverage for instant estimates.
Cheapest Home Insurance in Centennial, CO
MoneyGeek found that Auto-Owners Insurance is the best option in Centennial, Colorado, for $100K dwelling coverage due to its low annual premium and high score. One key factor affecting home insurance premiums is the dwelling coverage you select.
- For 100K Dwelling Coverage: Auto-Owners Insurance: $1,030 per year
- For 250K Dwelling Coverage: Auto-Owners Insurance: $1,883 per year
- For 500K Dwelling Coverage: Auto-Owners Insurance: $2,949 per year
Auto-Owners Insurance shines as the cheapest homeowners insurance in Centennial, Colorado, reflecting its attractive cost and high score. It's the best choice in all categories based on the cost and score. Buying the cheapest homeowners insurance in Colorado can help you manage your finances better.
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Coverages:$100K Dwelling
| Auto-Owners Insurance | $1,030 |
| State Farm | $1,439 |
| Chubb | $1,691 |
| American Family | $2,228 |
| Allstate | $2,395 |
| Nationwide | $3,250 |
| Farmers | $5,302 |
Cheapest Home Insurance for High-Value Homes in Centennial, CO
MoneyGeek found that Auto-Owners Insurance is the best option in Centennial, CO, for high-value homes. High dwelling coverage is essential for homes that cost more to replace, and home insurance costs increase as coverage rises.
- Cheapest for $750K Dwelling Coverage: Auto-Owners Insurance: $3,604 per year
- Cheapest for $1M Dwelling Coverage: Auto-Owners Insurance: $6,108 per year
Auto-Owners Insurance is the cheapest in Centennial, CO, providing significant savings for high-value homes. According to MoneyGeek, while Auto-Owners Insurance offers cost benefits, it is also rated highly, making it a strong overall choice.
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Coverages:1 - 750K dwelling
| Auto-Owners Insurance | $3,604 |
| American Family | $5,532 |
| State Farm | $6,258 |
| Allstate | $7,484 |
| Chubb | $12,559 |
| Nationwide | $15,821 |
| Farmers | $16,340 |
Cheapest Home Insurance for New Homes in Centennial, CO
MoneyGeek identifies Nationwide as the best choice for new homes in Centennial, Colorado, offering the cheapest home insurance for $100K dwelling coverage.
- Cheapest for $100K Dwelling Coverage: Nationwide: $598 per year
- Cheapest for $250K Dwelling Coverage: Nationwide: $996 per year
- Cheapest for $500K Dwelling Coverage: Auto-Owners Insurance: $1,569 per year
Nationwide stands out for its lower cost, making it the most affordable option for new homeowners in Centennial. However, it’s important to consider other elements because the cheapest might not be the best based on other factors.
Ensure that you are adequately covered to protect your new home.
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Coverages:1 - $100K Dwelling
| Nationwide | $598 |
| Auto-Owners Insurance | $643 |
| State Farm | $860 |
| Chubb | $1,233 |
| Allstate | $1,351 |
| American Family | $1,905 |
| Farmers | $4,010 |
How to Find the Best Home Insurance for You in Centennial, 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 Centennial depends on your needs. Consider factors like coverage limits, deductibles and customer reviews. Follow these steps to get the 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 Centennial, Colorado, including rebuilding costs, personal property value, and liability requirements.
- 2
Compare Different Providers
Investigate insurance companies operating in Centennial, Colorado. Focus on those with solid financial health, positive customer feedback, and proven service quality.
- 3
Compare Coverage and Costs
Once your coverage needs are clear, compare home insurance quotes. For a $100K dwelling in Centennial, Colorado, premiums range from $1,030 to $3,250 annually.
- 4
Ask About Discounts
Check with each insurer for discounts you might qualify for, such as those for combining policies, adding safety features, or having no previous claims.
- 5
Increase Your Deductible
Opting for a higher home insurance deductible can lower your premium, but ensure it’s an amount you can cover if needed.
- 6
Improve Home Security
Enhancing your home's security with systems and strong locks can decrease its risk profile and potentially reduce insurance expenses.
- 7
Maintain Good Credit
Keeping a good credit score can influence your insurance rates in Centennial, Colorado. Pay your bills on time and minimize outstanding debts.
- 8
Bundle Policies
Think about bundling your homeowners insurance with other policies, like auto insurance, to gain discounts and save money.
FAQ: Best Cheap Home Insurance in Centennial, CO
The best cheap home insurance provider for you in Centennial depends on your coverage needs and budget. Get answers to some of the most commonly asked questions about best cheap insurance rates in Centennial, Colorado.
How much is home insurance in Centennial, Colorado, on average?
The average cost of home insurance in Centennial, Colorado, is $1,919 per year.
What is the cheapest home insurance company in Centennial, Colorado?
The cheapest home insurance company in Centennial, Colorado, is Auto-Owners Insurance, with an annual premium of $1,030.
What is the best home insurance company in Centennial, Colorado?
The best home insurance in Colorado for Centennial 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.