Updated: December 17, 2024
Advertising & Editorial Disclosure
In Highlands Ranch, 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, so we recommend choosing a provider based on what is important to you.
These companies offer different features, so choosing the best cheap home insurance depends on your needs, such as coverage options and customer service.
Best HomeInsuranceHighlands RanchTable 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 Highlands Ranch, grounding our advice in data and standards.
Home insurance premiums in Highlands Ranch correspond to the most competitive rates available as of September 2024.
MoneyGeek found that Auto-Owners Insurance is the best option in Highlands Ranch, Colorado, for 100K dwelling coverage, boasting a MoneyGeek score of 96 out of 100. The scores for home insurance companies in Highlands Ranch, Colorado, range from 43 to 96. These ratings reflect MoneyGeek's scoring system, with insurers potentially receiving different scores based on factors like your credit history or the age of your home.
| Auto-Owners Insurance | 96 | $1,013 |
| Chubb | 93 | $1,646 |
| State Farm | 87 | $1,291 |
| American Family | 80 | $2,240 |
| Nationwide | 67 | $2,711 |
| Allstate | 56 | $2,821 |
| Farmers | 43 | $5,006 |
MoneyGeek found that Auto-Owners Insurance is the best option in Highlands Ranch, Colorado, for $100K dwelling coverage. The two best overall home insurance companies in Highlands Ranch for this coverage level are:
Auto-Owners Insurance excels as the best home insurance provider due to its strong affordability and excellent coverage offerings. In Highlands Ranch, there are various companies with different cost and service experiences. While cost is an important factor, other aspects such as customer service can be crucial, especially when making claims.
Auto-Owners Insurance scores high in affordability and satisfaction, making it a top choice. It offers comprehensive home insurance with guaranteed replacement cost and personal property replacement cost. Discounts like responsible payment and paperless can help you save money. Paying on time for 36 months qualifies you for the responsible payment discount.
Auto-Owners Insurance provides useful coverages like guaranteed replacement cost, which ensures your home is fully covered if your limit is too low. Personal property replacement cost covers damage from appliance leaks and more. Equipment breakdown covers failures of home systems like air conditioners and computers.
MoneyGeek found that Chubb offers the best customer service for home insurance in Highlands Ranch, Colorado for 100K dwelling coverage. This top-performing company excels in multiple areas contributing to its high MoneyGeek score.
Chubb stands out as the best due to its exceptional customer satisfaction and a strong coverage score. These factors play a significant role in its leading MoneyGeek ranking. Choosing Chubb means you get reliable coverage with a proven service record that customers appreciate.
Excellent service in home insurance means quick responses, helpful support, and enough coverage options to meet your needs.
Chubb is the best for service quality, with customer satisfaction boosting its MoneyGeek Score. It offers comprehensive home insurance coverage with guaranteed replacement cost and building ordinance or law. Chubb provides new home and home renovation discounts. You can save if your home is 7 or 10 years old or less.
Chubb's coverages are useful for homeowners. Guaranteed replacement cost helps rebuild your home even if costs exceed limits. Building ordinance or law pays to update your home to current codes. Cash settlement lets you choose not to rebuild and get cash instead. These coverages protect your home and belongings.
MoneyGeek found that Auto-Owners Insurance is the best cheap home insurance option in Highlands Ranch, Colorado. The top two best cheap insurance providers for $100K dwelling coverage are:
When it comes to the average cost of homeowners insurance in Colorado, Auto-Owners Insurance stands out for its high MoneyGeek score due to its affordability and strong coverage options. While choosing cheap home insurance is great for your budget, it may not be enough if a big accident happens. In instances where saving on premiums is a priority, considering the cheapest homeowner insurance companies may be beneficial. "Best cheap" insurance focuses on quality and affordability, while "cheapest" prioritizes cost alone.
Auto-Owners Insurance scores high in affordability and satisfaction, making it a great choice. It offers guaranteed replacement cost and personal property replacement cost, providing comprehensive home insurance. You can save with discounts like responsible payment, which rewards timely premium payments.
Auto-Owners Insurance also provides useful coverages like equipment breakdown, which covers failures of home appliances. Building ordinance or law coverage helps with costs if local laws require changes to your home. These coverages add value and protection for homeowners.
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 Highlands Ranch, with location being one. Comparing rates is the best way to save, but it may take over an hour as each company can take 15 minutes or more. Use MoneyGeek's home insurance calculator for instant savings by focusing on key factors. Enter your age, dwelling coverage, credit score, deductible, liability coverage, and other factors for a rate estimate.
MoneyGeek found that Auto-Owners Insurance is the best option in Highlands Ranch, Colorado. The critical element affecting home insurance premiums is the dwelling coverage you select.
Auto-Owners Insurance stands out as affordable in Highlands Ranch, Colorado, due to its low cost and high score. Buying the cheapest homeowners insurance in Colorado can help manage your budget effectively, allowing you to allocate funds to other essential expenses.
| Auto-Owners Insurance | $1,013 |
| State Farm | $1,291 |
| Chubb | $1,646 |
| American Family | $2,240 |
| Nationwide | $2,711 |
| Allstate | $2,821 |
| Farmers | $5,006 |
MoneyGeek finds that Auto-Owners Insurance offers the best rates for high-value homes in Highlands Ranch, Colorado. High dwelling coverage is essential for homes that would cost more to replace, and home insurance costs increase with higher replacement values.
Auto-Owners Insurance stands out by offering the lowest premiums in Highlands Ranch. According to MoneyGeek, this insurer not only provides affordable coverage but is also highly rated for customer satisfaction, making it a strong option for homeowners seeking both value and quality.
| Auto-Owners Insurance | $3,553 |
| American Family | $5,462 |
| State Farm | $5,616 |
| Allstate | $8,698 |
| Chubb | $12,003 |
| Nationwide | $13,091 |
| Farmers | $15,437 |
Nationwide offers the cheapest home insurance for new homes in Highlands Ranch, Colorado.
Nationwide stands out as the most affordable choice in Highlands Ranch due to its competitive pricing for home insurance. While it offers the lowest rates, it may not be ranked best by different assessments.
Remember, along with selecting an economical provider, ensure you are adequately covered.
| Nationwide | $550 |
| Auto-Owners Insurance | $631 |
| State Farm | $772 |
| Chubb | $1,196 |
| Allstate | $1,554 |
| American Family | $1,925 |
| Farmers | $3,787 |
The best cheap homeowners insurance providers balance quality and cost, offering great customer service and coverage with affordable premiums. In Highlands Ranch, finding the best cheap homeowners insurance depends on your needs. Consider factors like coverage options, customer service, and claims process. Follow these steps to get the best cheap home insurance.
To determine how much home insurance coverage you need, consider the specifics of your home in Highlands Ranch, Colorado. Think about rebuilding costs, personal property value, and liability requirements.
Research insurance companies serving Highlands Ranch, Colorado. Consider their financial stability, customer reviews, and service quality.
Once you know what coverages you need, compare home insurance quotes. For a dwelling coverage of $100K in Highlands Ranch, Colorado, premiums can range from $1,013 to $2,821 annually.
Inquire with each provider about possible discounts, such as those for bundling policies, installing safety features, or having a claims-free history.
Selecting a higher home insurance deductible can reduce your premium, but make sure it's an amount you can afford to pay if you need to file a claim.
Enhancing home security with systems and strong locks can lower your home's risk profile and potentially decrease insurance costs.
Keep a good credit score, as it can impact your insurance rates in Highlands Ranch, Colorado. Pay bills on time and reduce outstanding debt.
Consider bundling your homeowners insurance with other policies like auto insurance. This can lead to significant discounts and savings.
The best cheap home insurance provider in Highlands Ranch depends on your coverage needs and budget. Get answers to common questions about the best cheap insurance rates in Highlands Ranch, Colorado. Understanding your options can help you make a smart choice for your home and finances.
The average home insurance cost in Highlands Ranch, Colorado, is $1,876.
The cheapest home insurance company in Highlands Ranch, Colorado, is Auto-Owners Insurance with an annual premium of $1,013.
The best home insurance in Colorado for Highlands Ranch 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.
