Updated: December 13, 2024
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In Westminster, 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 meet different needs, so choose based on what matters to you.
These companies cater to various needs and choosing the best cheap home insurance depends on factors like cost, coverage, and customer service.
Best HomeInsuranceWestminster, COTable of Contents
Why Trust MoneyGeek? We used data from Colorado's Department of Insurance and Quadrant Information Services to find the top homeowners insurance in Westminster. Our suggestions rely on accurate data and industry standards.
Home insurance premiums in Westminster are indicative of the most competitive rates available as of September 2024.
MoneyGeek found that Auto-Owners Insurance is the best option in Westminster, Colorado, for home insurance with 100K dwelling coverage, earning a MoneyGeek score of 96 out of 100. The scores for home insurance companies in Westminster, Colorado, range from 43 to 96. These scores depend on different factors like credit history and the age of your home, among others.
| Auto-Owners Insurance | 96 | $1,045 |
| Chubb | 94 | $1,560 |
| State Farm | 88 | $1,255 |
| American Family | 82 | $2,030 |
| Nationwide | 67 | $2,742 |
| Allstate | 60 | $2,407 |
| Farmers | 43 | $5,024 |
MoneyGeek found that Auto-Owners Insurance is the best option in Westminster, Colorado for $100K dwelling coverage. The two best overall home insurance companies in Westminster for this coverage are:
Auto-Owners Insurance stands out as the best home insurance provider because it offers an excellent blend of affordability and customer satisfaction, contributing significantly to its high MoneyGeek score.
In Westminster, Colorado, there are various companies with different cost and service experiences; while cost is crucial, factors like customer service are also essential, especially when you need to make 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. You can save with discounts like responsible payment and paperless billing. Paying on time for 36 months or choosing online billing can help you qualify.
Auto-Owners Insurance provides useful coverages like guaranteed replacement cost, which covers your home fully if your limit is too low. Personal property replacement cost protects against damage from leaks. Building ordinance or law coverage helps meet local codes. These options make it a great choice for homeowners.
MoneyGeek found that Chubb offers the best customer service in home insurance in Westminster, Colorado for 100K dwelling coverage. This company excels in providing a comprehensive home insurance experience. Here are the top two insurance providers for 100K dwelling coverage:
Chubb ranks highest due to its outstanding customer satisfaction scores and quality of coverage, leading to its top MoneyGeek score. Their service ensures a positive experience, making Chubb a valuable choice for homeowners in Westminster, Colorado. Choose Chubb for its exceptional coverage and responsiveness to customer needs.
Excellent service in home insurance means getting reliable help when you need it most, ensuring that your needs are addressed promptly and effectively.
Chubb is the best for service quality, thanks to its high customer satisfaction and coverage scores. It offers comprehensive home insurance coverage with guaranteed replacement cost and building ordinance or law. You can save with discounts like protective device, which involves installing security systems, and new home, for homes seven or 10 years old or less.
Chubb provides useful coverages like guaranteed replacement cost, which helps rebuild your home even if costs exceed limits. Building ordinance or law covers bringing your home up to code after a loss. Cash settlement allows you to receive money if you decide not to rebuild.
MoneyGeek identified that Auto-Owners Insurance is the best cheap home insurance option in Westminster, Colorado, for $100K dwelling coverage. 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 primarily because of its high affordability score, blending cost savings with favorable coverage. While cheaper insurance often means lower coverage, this can help reduce premiums. In cases where saving on premiums is key, considering the cheapest homeowner insurance companies may be beneficial. The best cheap insurance is not necessarily the same as the cheapest; it balances quality with cost.
Auto-Owners Insurance scores high on affordability and satisfaction, making it a top choice. It offers guaranteed replacement cost and scheduled personal property coverages. You can save with discounts like responsible payment, which rewards timely premium payments, and paperless billing. These options help keep costs down while providing good 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 24, 2024
Many factors affect homeowners insurance in Westminster, including location. Comparing rates is the best way to save, but it can take over an hour to compare three or more companies, at 15 minutes per company. MoneyGeek's home insurance calculator can instantly help by focusing on the key factors. Enter your age, coverage, credit score, deductible, and a few other details for an estimate.
MoneyGeek found that Auto-Owners Insurance is the best option in Westminster, Colorado for affordable home insurance. The most important factor affecting premiums is the dwelling coverage you select.
Auto-Owners Insurance stands out in Westminster, Colorado for its low cost and highest ranking. It is also noted as the best with a score of 98. Although the cheapest for 250K and 500K coverages, it maintains top rankings across categories. Opting for the cheapest homeowners insurance in Colorado aids in better financial management, keeping costs predictable and manageable.
| Auto-Owners Insurance | $1,045 |
| State Farm | $1,255 |
| Chubb | $1,560 |
| American Family | $2,030 |
| Allstate | $2,407 |
| Nationwide | $2,742 |
| Farmers | $5,024 |
Auto-Owners Insurance offers the cheapest home insurance in Westminster, Colorado, for properties valued at $750K. High dwelling coverage is essential for expensive homes due to their costly replacement, resulting in higher home insurance costs.
Auto-Owners Insurance stands out in Westminster due to its affordability for high-value properties. According to MoneyGeek, it not only provides low premiums but might also rank highly on overall performance.
| Auto-Owners Insurance | $3,629 |
| American Family | $5,133 |
| State Farm | $5,465 |
| Allstate | $7,544 |
| Chubb | $11,486 |
| Nationwide | $13,357 |
| Farmers | $15,457 |
Nationwide is the best option for new homes offering the cheapest $100K dwelling coverage for home insurance in Westminster, Colorado.
Nationwide stands out as the least expensive homeowners insurance provider in Westminster, Colorado due to its low cost. However, the cheapest option may not be the best according to other standards.
Remember, it's important to make sure you are adequately covered.
| Nationwide | $562 |
| Auto-Owners Insurance | $650 |
| State Farm | $750 |
| Chubb | $1,141 |
| Allstate | $1,344 |
| American Family | $1,738 |
| Farmers | $3,803 |
The best cheap homeowners insurance balances quality and cost, offering great customer service and coverage with affordable premiums.
The best cheap homeowners insurance in Westminster depends on your needs. Consider factors beyond premiums like coverage options, deductible amounts, and provider reputation. Follow these steps to find the best cheap home insurance.
In Westminster, Colorado, determining how much home insurance coverage you need is crucial. Consider the costs to rebuild your home, the value of your belongings, and your liability coverage requirements.
Investigate insurance companies operating in Westminster. Focus on those with solid financial ratings and positive customer feedback.
After understanding your coverage needs, compare home insurance quotes. In Westminster, Colorado, $100K dwelling premiums range from $1,045 to $2,742 annually.
Inquire with each insurer about potential discounts, like those for bundling, installing security systems, or maintaining a claims-free record.
Opting for a higher home insurance deductible can reduce your premium, but ensure it's an amount you can manage if needed.
Enhancing your home's security with alarm systems and sturdy locks can lower your insurance costs by reducing your home's risk profile.
A strong credit score can influence your insurance rates in Westminster, Colorado. Pay bills promptly and manage your debt wisely.
Combine your homeowners insurance with other policies, such as auto insurance, to access discounts and save money.
The best cheap home insurance provider in Westminster depends on your coverage needs and budget. Get answers to the most commonly asked questions about the best cheap insurance rates in Westminster, Colorado. Understanding these factors helps homeowners make informed decisions about their insurance options.
The average home insurance cost in Westminster, Colorado, is $1,790.
Auto-Owners Insurance offers the cheapest home insurance in Westminster, Colorado, with an annual premium of $1,045.
The best home insurance in Colorado for Westminster 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.
