In Thornton, Colorado, Auto-Owners is both the overall best and cheapest choice for home insurance. If customer service is your priority, Chubb is the best. These companies cater to different needs. Choosing the best cheap home insurance depends on your needs, like budget, coverage options and customer service.
Best and Cheapest Home Insurance in Thornton, CO (2024)
Updated: December 12, 2024
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Best HomeInsuranceThornton, 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 used data from Colorado's Department of Insurance and Quadrant Information Services to find the top homeowners insurance in Thornton with industry-backed recommendations.
Home insurance premiums in Thornton correspond to the most competitive estimates as of September 2024.
2,937,600Quotes Analyzed
8Companies Compared
Overview: Best Home Insurance Companies in Thornton, CO
MoneyGeek found that Auto-Owners is the best option for home insurance in Thornton, Colorado, with a MoneyGeek score of 96 out of 100 for $100,000 dwelling coverage. The scores for home insurance companies in Thornton range from 43 to 96. These scores reflect MoneyGeek's scoring system—insurers may receive different scores based on their credit history, age of your home, and other factors.
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Category:Best Overall
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Coverages:1 - $100K Dwelling
| Auto-Owners Insurance | 96 | $1,028 |
| Chubb | 93 | $1,698 |
| State Farm | 87 | $1,321 |
| American Family | 82 | $2,158 |
| Nationwide | 64 | $3,142 |
| Allstate | 64 | $2,016 |
| Farmers | 43 | $5,346 |
Overall Best Home Insurance in Thornton, CO
MoneyGeek found that Auto-Owners is the best option in Thornton, Colorado, for $100K dwelling coverage. The two best overall home insurance companies in Thornton for $100K dwelling coverage are:
- Auto-Owners: MoneyGeek score of 96 out of 100 ($1,028 per year)
- Chubb: MoneyGeek score of 93 out of 100 ($1,698 per year)
Auto-Owners stands out as the best home insurance provider due to its impressive affordability and thorough coverage options, which significantly contribute to its high MoneyGeek score.
In Thornton, Colorado, many companies offer different cost and service experiences. While cost is crucial, also consider other factors like customer service and coverage options since these matter when making claims.
Best OverallAuto-Owners Insurance
MoneyGeek Score:
96/ of 100
Overview
Auto-Owners Insurance scores high on affordability and satisfaction, earning a MoneyGeek score of 96. It offers comprehensive home insurance with guaranteed replacement cost and scheduled personal property coverages. You can save with discounts like responsible payment and paperless. Pay your premiums on time for 36 months to qualify for the responsible payment discount.
Auto-Owners Insurance provides valuable coverages like guaranteed replacement cost, which ensures your home is fully covered if your coverage limit is too low. Personal property replacement cost protects your belongings from damage caused by leaks or power failures. Building ordinance or law coverage helps you meet local building codes if repairs are needed. These coverages offer peace of mind for homeowners.
Best Home Insurance for Customer Service in Thornton, CO
MoneyGeek found that Chubb offers the best customer service in home insurance in Thornton, Colorado, for $100K dwelling coverage. When considering top providers for this coverage, the leading options are:
- Chubb: MoneyGeek score of 96 out of 100 ($1,698 per year)
- Auto-Owners: MoneyGeek score of 92 out of 100 ($1,028 per year)
Chubb stands out as the best option due to its high customer satisfaction score, making it easier for you to trust their service in handling your insurance needs. Customers choosing Chubb receive exceptional service and reliable coverage options.
Excellent service in home insurance means helpful and responsive customer support, ensuring your needs are met efficiently and effectively.
Best for Service QualityChubb
MoneyGeek Score:
96/ of 100
Overview
Chubb scores high in customer satisfaction and coverage, making it a top choice. It offers comprehensive home insurance with guaranteed replacement cost and building ordinance or law. Discounts like new home and home renovation help you save. For example, you can get a discount if your home is 10 years old or less.
Chubb's 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 lets you choose not to rebuild and receive a cash payout. These coverages provide valuable protection for homeowners.
Best Cheap Home Insurance in Thornton, CO
MoneyGeek found that Auto-Owners is the best cheap home insurance option in Thornton, Colorado, for $100K dwelling coverage. The top two best cheap insurance providers for $100K dwelling coverage are:
- Auto-Owners: MoneyGeek score of 98 out of 100 ($1,028 per year)
- Chubb: MoneyGeek score of 92 out of 100 ($1,698 per year)
Auto-Owners stands out because of its affordability with a strong coverage score. However, cheap home insurance often means going with lower coverage. It’s a wallet-friendly option, but it might not be enough in case of an accident. In cases where saving on premiums is a focus, looking into the cheapest homeowner insurance companies could be helpful. The best cheap option offers more value than just the lowest cost.
Best CheapAuto-Owners Insurance
MoneyGeek Score:
98/ of 100
Overview
Auto-Owners scores high on affordability and customer satisfaction, making it a great choice. It offers guaranteed replacement cost and personal property replacement cost, but lacks scheduled personal property. You can save with discounts like responsible payment, which rewards timely premium payments.
Auto-Owners provides useful coverages like guaranteed replacement cost, which helps if your home needs full replacement. Personal property replacement cost covers damage from leaks. These coverages are valuable for protecting your home and belongings.
Estimate Your Thornton Home Insurance Costs Online
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Rates updated:
Dec 24, 2024
Homeowners insurance in Thornton depends on many factors, including location. To save, compare rates from at least three companies. This may take over an hour, as it can take up to 15 minutes per company. Use MoneyGeek's home insurance calculator for instant savings. Enter your age, dwelling coverage, credit score, deductible, liability coverage, and a few other details for a rate estimate.
Cheapest Home Insurance in Thornton, CO
MoneyGeek found that Auto-Owners is the best option in Thornton, Colorado, for affordable annual premiums and high scores. The main aspect that affects home insurance costs is the dwelling coverage you choose.
- For 100K Dwelling Coverage: Auto-Owners: $1,028 per year
- For 250K Dwelling Coverage: Auto-Owners: $1,880 per year
- For 500K Dwelling Coverage: Auto-Owners: $2,923 per year
When it comes to the average cost of homeowners insurance in Thornton, Colorado, Auto-Owners stands out due to its low costs and high ratings. The company that offers the most reasonable rate and top evaluation for 250K dwelling coverage is the same. For those seeking 500K coverage, the superior affordability also matches its high rating. Choosing the cheapest homeowners insurance in Colorado can effectively support budgeting efforts.
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Coverages:$100K Dwelling
| Auto-Owners Insurance | $1,028 |
| State Farm | $1,321 |
| Chubb | $1,698 |
| Allstate | $2,016 |
| American Family | $2,158 |
| Nationwide | $3,142 |
| Farmers | $5,346 |
Cheapest Home Insurance for High-Value Homes in Thornton, CO
Auto-Owners offers the cheapest annual premium for high-value homes in Thornton, Colorado. High dwelling coverage is important as it protects homes that are costly to rebuild, and home insurance costs rise with more protection.
- Cheapest for $750K Dwelling Coverage: Auto-Owners: $3,559 per year
- Cheapest for $1M Dwelling Coverage: American Family: $6,011 per year
Auto-Owners has a competitive price in Thornton, making it a cost-effective choice. According to MoneyGeek, while it's the cheapest in cost, it also scores highly overall on their rankings.
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Coverages:1 - 750K dwelling
| Auto-Owners Insurance | $3,559 |
| American Family | $5,354 |
| State Farm | $5,747 |
| Allstate | $6,347 |
| Chubb | $12,625 |
| Nationwide | $15,321 |
| Farmers | $16,427 |
Cheapest Home Insurance for New Homes in Thornton, CO
Nationwide offers the cheapest home insurance for new homes in Thornton, Colorado.
- Cheapest for $100K Dwelling Coverage: Nationwide: $609 per year
- Cheapest for $250K Dwelling Coverage: Auto-Owners: $1,012 per year
- Cheapest for $500K Dwelling Coverage: Auto-Owners: $1,554 per year
Nationwide stands out as the most affordable for $100K dwelling coverage in Thornton, though it might not be the best based on various factors. Remember, even if a plan is the cheapest, you still need to make sure you're adequately covered.
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Coverages:1 - $100K Dwelling
| Nationwide | $609 |
| Auto-Owners Insurance | $640 |
| State Farm | $790 |
| Allstate | $1,170 |
| Chubb | $1,239 |
| American Family | $1,855 |
| Farmers | $4,043 |
How to Find the Best Home Insurance for You in Thornton, CO
The best affordable homeowners insurance providers balance quality and cost by offering excellent customer service and comprehensive coverage at reasonable premiums. In Thornton, the best cheap homeowners insurance depends on your needs. Consider factors like coverage limits and deductibles, not just premiums. Follow these steps to get the best cheap home insurance: Assess your coverage needs, compare providers, and review policy details.
- 1
Evaluate Your Insurance Needs
To determine how much home insurance coverage you need, consider the specifics of your home in Thornton, Colorado, including rebuilding costs and the value of your belongings.
- 2
Compare Different Providers
Look into insurance companies operating in Thornton, Colorado. Focus on those with solid financial health, positive customer feedback, and a history of reliable service.
- 3
Compare Coverage and Costs
Once you know your coverage needs, compare home insurance quotes. In Thornton, Colorado, premiums for $100K dwelling coverage range from $1,028 with Auto-Owners Insurance to $3,142 with Nationwide.
- 4
Ask About Discounts
Inquire with each provider about potential discounts, such as bundling policies, adding safety features, or maintaining a claims-free record.
- 5
Increase Your Deductible
Opting for a higher home insurance deductible can reduce your premium, but ensure it's an amount you can manage if you need to file a claim.
- 6
Improve Home Security
Enhancing your home security with systems and strong locks can lower your home's risk profile and possibly decrease insurance costs.
- 7
Maintain Good Credit
Keep a good credit score as it can influence your insurance rates in Thornton, Colorado. Timely bill payments and reducing debt can help.
- 8
Bundle Policies
Consider combining your homeowners insurance with other policies like auto insurance, which can offer you significant savings.
FAQ: Best Cheap Home Insurance in Thornton, CO
The best cheap home insurance provider for you in Thornton depends on your coverage needs and budget. Get answers to some of the most commonly asked questions about best cheap insurance rates in Thornton, Colorado.
How much is home insurance in Thornton, Colorado, on average?
The average cost of home insurance in Thornton, Colorado, is $1,855.
What is the cheapest home insurance company in Thornton, Colorado?
The cheapest home insurance company in Thornton, Colorado, is Auto-Owners, with an annual premium of $1,028.
What is the best home insurance company in Thornton, Colorado?
The best home insurance in Colorado for Thornton residents is provided by Auto-Owners 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.