Updated: December 12, 2024
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In Fort Collins, Colorado, Auto-Owners Insurance is the best and cheapest choice for home insurance. However, if customer service is your priority, Chubb is best.
These companies cater to different needs, so choosing the best cheap home insurance depends on factors like budget, coverage options and customer service.
Best HomeInsuranceFort CollinsTable of Contents
Why Trust MoneyGeek? We used data from Colorado's Department of Insurance and Quadrant Information Services to find the best homeowners insurance in Fort Collins, making sure our suggestions are well-supported.
As of September 2024, the rates for home insurance in Fort Collins indicate the most competitive quotations available.
Auto-Owners Insurance is the best option in Fort Collins, CO, for $100K dwelling coverage, with a MoneyGeek score of 96 out of 100.
The scores for home insurance companies in Fort Collins range from 43 to 96. These figures are based on MoneyGeek's scoring system, which considers factors like credit history and the age of your home.
| Auto-Owners Insurance | 96 | $868 |
| Chubb | 92 | $1,347 |
| State Farm | 89 | $931 |
| American Family | 81 | $1,613 |
| Nationwide | 62 | $2,340 |
| Allstate | 58 | $1,927 |
| Farmers | 43 | $3,520 |
MoneyGeek found that Auto-Owners Insurance is the best option in Fort Collins, CO, for $100K dwelling coverage. The two best overall home insurance companies in the city for the same dwelling coverage are:
Auto-Owners Insurance stands out as the best home insurance provider due to its balance of affordability and customer satisfaction. In Fort Collins, various companies offer different prices and service experiences. While cost is important, factors like customer service and claim handling can be crucial when making claims.
Auto-Owners Insurance scores high in affordability and customer satisfaction. It offers comprehensive home insurance coverage, including guaranteed replacement cost and personal property replacement cost. The former ensures your home is fully covered if your limit is too low, while the latter protects your belongings from damage or loss. Another coverage is the building ordinance or law, which helps with costs if local regulations require changes to your home.
You can save with discounts like responsible payment and paperless billing. Paying on time for 36 months or opting for online billing can qualify you for these savings.
MoneyGeek found that Chubb is the best option for home insurance with the best customer service in Fort Collins, CO, for $100K dwelling coverage. Here are the providers that are the best in customer service:
Chubb offers exceptional customer service, comprehensive coverage and value for homeowners in Fort Collins, which greatly contributes to its high MoneyGeek score. In home insurance, excellent service involves quick claim processing, helpful support and reliable coverage.
Chubb is the best for service quality, thanks to its high customer satisfaction and coverage scores. It offers comprehensive home insurance coverage, including guaranteed replacement cost and building ordinance or law. Cash settlement and risk consulting coverages are also available.
You can save with discounts like new home — for homes less than 10 years old — and home renovation.
MoneyGeek found that Auto-Owners Insurance is the best cheap option in Fort Collins, CO, for $100K dwelling coverage. The top two best cheapest homeowner insurance companies for $100K dwelling coverage are:
Auto-Owners Insurance balances affordability and high customer satisfaction. Although cheap home insurance saves money, keep in mind lower coverage may not cover all damages if an accident happens.
In instances where saving on premiums is a priority, considering the most affordable companies or learning the average cost of homeowners insurance in Colorado may be beneficial. The best cheap home insurance highlights good value, which is not always the same as the cheapest.
Auto-Owners Insurance scores high on affordability and customer satisfaction, making it a top choice. It offers Guaranteed Replacement Cost and Scheduled Personal Property add-ons. You can save with discounts like responsible payment and paperless billing. Paying on time for 36 months can qualify you for the responsible payment discount.
Auto-Owners Insurance provides useful coverages like equipment breakdown, which covers failures of home appliances, and building ordinance or law, which helps meet local building codes. These coverages protect your home and make Auto-Owners a great option.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.
Rates updated:
Dec 24, 2024
Many factors affect homeowners insurance in Fort Collins, including location. Comparing rates can save money, but it takes time — up to 15 minutes per company. You'll want to compare at least three companies, which could mean over an hour of research. MoneyGeek's home insurance calculator helps you save instantly by focusing on key factors. Just enter your age, coverage, credit score, deductible, liability coverage and a few other details to get an estimate.
MoneyGeek found that Auto-Owners Insurance is the cheapest option in Fort Collins, CO. The company has the lowest annual premium and highest score for different dwelling coverages.
Auto-Owners Insurance is the cheapest homeowners insurance in Fort Collins based on its low cost and high rating.
Choosing the proper dwelling coverage can greatly influence your home insurance premium. Buying the cheapest homeowners insurance in Colorado will help you manage your finances better by saving on yearly expenses.
| Auto-Owners Insurance | $868 |
| State Farm | $931 |
| Chubb | $1,347 |
| American Family | $1,613 |
| Allstate | $1,927 |
| Nationwide | $2,340 |
| Farmers | $3,520 |
Auto-Owners Insurance is the best option for high-value home insurance in Fort Collins, CO. Homes that cost more to replace need higher dwelling coverage, which raises home insurance costs.
Auto-Owners Insurance offers low costs for home insurance in Fort Collins. According to MoneyGeek, while Auto-Owners Insurance has the most affordable rate for high-value homes, its quality may not top other categories. Ensure that you get insurance that is not only affordable but also fits your needs.
| Auto-Owners Insurance | $2,838 |
| State Farm | $4,063 |
| American Family | $4,312 |
| Allstate | $5,976 |
| Chubb | $9,674 |
| Farmers | $11,002 |
| Nationwide | $11,162 |
Nationwide offers the cheapest home insurance for new homes in Fort Collins, CO, when considering $100K dwelling coverage.
Nationwide may stand out in Fort Collins for its low cost, but it may not always have the highest overall ratings. Always ensure you are adequately covered.
| Nationwide | $510 |
| State Farm | $556 |
| Auto-Owners Insurance | $563 |
| Chubb | $984 |
| Allstate | $1,115 |
| American Family | $1,360 |
| Farmers | $2,683 |
The best cheap homeowners insurance providers balance quality and cost, offering great customer service and coverage with affordable premiums. In Fort Collins, finding the best cheap homeowners insurance depends on your needs. Consider factors like coverage limits, deductibles and customer service. Follow these steps to get the best cheap home insurance.
To determine how much home insurance coverage you need in Fort Collins, consider factors like rebuilding costs, personal property value and liability requirements.
Research insurance companies in Fort Collins. Look for those with strong financial stability and positive customer reviews.
Once you know your coverage needs, compare home insurance quotes. In Fort Collins, $100K dwelling coverage premiums range from $868 to $3,520 annually.
Inquire with each provider about potential discounts for bundling policies, installing safety features or maintaining a claims-free record.
Opting for a higher home insurance deductible can reduce your premium. Ensure it's an amount you can afford in case of a claim.
Enhancing home security with systems and durable locks can lower your insurance costs by reducing your home's risk profile.
A good credit score can influence your insurance rates in Fort Collins. Pay bills promptly and manage debt wisely.
Consider bundling homeowners insurance with other policies like auto insurance to achieve cost savings.
The best cheap home insurance provider in Fort Collins depends on what coverage you need and how much you can spend. Get answers to some of the most commonly asked questions here.
The average cost of home insurance in Fort Collins is $1,402.
The cheapest home insurance company in Fort Collins is Auto-Owners Insurance, with an annual premium of $868.
The best home insurance in Colorado for Fort Collins residents is from 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.
