Updated: December 12, 2024
Advertising & Editorial Disclosure
In Loveland, Colorado, Auto-Owners Insurance is the overall best and cheapest choice for home insurance. However, if customer service is your priority, Chubb is the best.
These companies cater to different needs, so it's important to choose based on personal factors like cost, customer service and the coverage you need.
Best HomeInsuranceLoveland, COTable 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 Loveland. Our suggestions rely on data and industry standards.
In Loveland, the most competitive home insurance rates are represented by the quotes provided as of September 2024.
MoneyGeek found that Auto-Owners Insurance is the best option for home insurance in Loveland, CO, with a MoneyGeek score of 96 out of 100 for $100K dwelling coverage.
The scores for home insurance companies in Loveland range from 43 to 96. These scores are based on various factors, such as credit history and the age of your home.
| Auto-Owners Insurance | 96 | $805 |
| Chubb | 94 | $1,221 |
| State Farm | 87 | $975 |
| American Family | 74 | $2,225 |
| Nationwide | 69 | $1,875 |
| Allstate | 60 | $1,834 |
| Farmers | 43 | $3,788 |
MoneyGeek found that Auto-Owners Insurance is the best option in Loveland, CO, for $100K dwelling coverage. The two best overall home insurance companies in the city for the same dwelling coverage are:
Auto-Owners Insurance offers the best home insurance thanks to its strong customer satisfaction and competitive rates. In Loveland, companies offer various cost and service experiences. Although cost is important, consider factors like customer service and coverage options, as well, because they are vital when filing claims.
Auto-Owners Insurance scores high in affordability and coverage. It provides useful coverages like guaranteed replacement cost, which ensures your home is fully covered if your limit is too low, personal property replacement cost, which covers damage from appliance leaks and more, and building ordinance or law, which helps with costs if local laws require changes to your home.
You can save with discounts like responsible payment by paying on time for 36 months or paperless by enrolling in online billing.
MoneyGeek found that Chubb is the best option for home insurance with outstanding customer service in Loveland, CO, for $100K dwelling coverage. Here are the top two providers for this coverage:
Chubb stands out for its high customer satisfaction and decent coverage scores, making it the top choice for homeowners who value excellent service and reliable protection. Excellent service in home insurance means quick responses, reliable support and easy claims handling.
Chubb scores high on MoneyGeek due to its great satisfaction and coverage. Chubb's coverages offer flexibility and protection for your home. Guaranteed replacement cost helps rebuild your home if costs exceed limits. Building ordinance or law pays for updates to meet current codes. Cash settlement lets you choose not to rebuild and get a cash payout.
Chubb also provides discounts, like new home and home renovation.
MoneyGeek found that Auto-Owners Insurance is the best cheap provider in Loveland, CO. The top two best and cheapest homeowner insurance companies for $100K dwelling coverage are:
Auto-Owners Insurance has a high affordability score, making it an attractive choice for budget-conscious homeowners.
Cheap home insurance often requires settling for lower coverage, which can help save but may not be ideal for a major incident. When budget is crucial, evaluating the cheapest companies or learning the average cost of homeowners insurance in Colorado is advisable. Unlike the most affordable option, the best cheap coverage combines a balanced MoneyGeek score with competitive pricing.
Auto-Owners Insurance scores high on affordability and satisfaction. It provides valuable coverages like equipment breakdown, which protects against failures of home appliances, and building ordinance or law, which helps cover costs to meet local building codes.
You can save with discounts like responsible payment, which rewards timely premium payments, and paperless billing. These options help reduce costs while maintaining quality coverage.
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 23, 2024
Quite a few factors affect homeowners insurance in Loveland, like location. Comparing homeowners insurance rates is key to saving money, but it can take over an hour. Each company may take 15 minutes or more, especially when comparing three or more. MoneyGeek's home insurance calculator helps you save instantly. Enter your age, dwelling coverage, credit score, deductible, liability coverage and a few other details to get a rate estimate.
MoneyGeek identified Auto-Owners Insurance as the cheapest choice in Loveland, CO. The cost of home insurance largely depends on the dwelling coverage you select. Let's take a look at some budget-friendly providers:
Auto-Owners Insurance is notable in Loveland for its low rates and a high score of 98. It's the most affordable option across coverage levels, balancing cost and quality. Opting for the cheapest homeowners insurance in Colorado can help manage finances more effectively by reducing monthly expenses.
| Auto-Owners Insurance | $805 |
| State Farm | $975 |
| Chubb | $1,221 |
| Allstate | $1,834 |
| Nationwide | $1,875 |
| American Family | $2,225 |
| Farmers | $3,788 |
Auto-Owners Insurance is the most affordable option for high-value homes in Loveland, CO. High dwelling coverage is essential for homes that are expensive to replace, affecting home insurance costs.
Auto-Owners Insurance offers low premiums and is also the best option based on MoneyGeek's overall assessment — reflecting a balance between cost and value.
| Auto-Owners Insurance | $2,628 |
| State Farm | $4,253 |
| Allstate | $5,688 |
| American Family | $5,695 |
| Chubb | $8,769 |
| Nationwide | $8,930 |
| Farmers | $11,798 |
Nationwide is the cheapest home insurance provider for new homes in Loveland, CO.
Nationwide is the most cost-effective choice for homeowners insurance at $100K, $250K and $500K dwelling coverages in Loveland due to its low annual premium. However, it might not be the top overall option, according to MoneyGeek. It's essential to ensure you are adequately covered.
| Nationwide | $414 |
| Auto-Owners Insurance | $522 |
| State Farm | $582 |
| Chubb | $892 |
| Allstate | $1,061 |
| American Family | $1,893 |
| Farmers | $2,884 |
The best cheap homeowners insurance in Loveland depends on your needs. Consider factors like coverage limits, deductibles and company reputation. Follow these steps to get the best cheap home insurance.
To determine how much home insurance coverage you need, consider factors specific to your home in Loveland, such as rebuilding costs and the value of your belongings.
Investigate insurance companies operating in Loveland. Focus on those with strong financial ratings and positive customer feedback.
Once your coverage needs are clear, compare home insurance quotes. In Loveland, premiums for $100K dwelling coverage range from $805 with Auto-Owners Insurance to $3,788 with Farmers.
Inquire about potential discounts from each insurer, such as those for bundling policies, installing safety features or maintaining a claims-free history.
Opting for a higher home insurance deductible can reduce your premiums, but ensure it's an amount you can manage in case of a claim.
Enhancing your home's security with systems and strong locks can lower its risk profile, potentially reducing insurance costs.
A good credit score can influence your insurance rates in Loveland. Pay bills promptly and minimize outstanding debts.
Consider combining your homeowners insurance with other policies, like auto insurance, for potential discounts and savings.
Finding the best cheap home insurance in Loveland depends on your coverage needs and budget. Get answers to common questions about insurance rates.
The average annual home insurance premium in Loveland is $1,424.
Auto-Owners Insurance offers the cheapest home insurance in Loveland, with an annual premium of $805.
The best home insurance in Colorado for Loveland 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.
