Updated: December 13, 2024
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In Aurora, 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 cater to different needs, and choosing the best cheap home insurance depends on individual needs and preferences, like cost, coverage and customer service.
Best HomeInsuranceAurora, 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 Aurora, ensuring recommendations are backed by data and industry norms.
Home insurance premiums in Aurora represent the most competitive estimates as of September 2024.
MoneyGeek found that Auto-Owners Insurance is the best option in Aurora, Colorado, for home insurance with 100K dwelling coverage, earning a MoneyGeek score of 96 out of 100. The scores for home insurance companies in Aurora, Colorado, range from 43 to 96. These scores reflect MoneyGeek's scoring system, where insurers may receive different scores based on factors such as credit history and the age of your home.
| Auto-Owners Insurance | 96 | $1,071 |
| Chubb | 95 | $1,468 |
| State Farm | 88 | $1,273 |
| American Family | 77 | $2,733 |
| Nationwide | 69 | $2,668 |
| Allstate | 63 | $2,292 |
| Farmers | 43 | $5,445 |
MoneyGeek found that Auto-Owners Insurance is the best option in Aurora, Colorado for $100K dwelling coverage. The two best overall home insurance companies in Aurora for $100K dwelling coverage are:
Auto-Owners Insurance stands out as the best home insurance provider because of affordability, customer satisfaction, and a strong coverage score contributing to its high MoneyGeek score.
In Aurora, Colorado, a variety of companies offer different cost and service experiences. While cost is a crucial factor, consider customer service and coverage as they are important when making claims.
Auto-Owners Insurance scores high on affordability and satisfaction, making it a top choice. It offers comprehensive home insurance coverage with guaranteed replacement cost and personal property replacement cost. Discounts like responsible payment and paperless can help you save. Paying premiums on time or opting for online billing can qualify you for these savings.
Auto-Owners Insurance provides useful coverages like guaranteed replacement cost, which ensures your home is fully covered if your limit is too low. Scheduled personal property covers valuable items against loss or damage. Personal property replacement cost protects your belongings from appliance leaks and more. These coverages offer peace of mind for homeowners.
MoneyGeek found that Chubb is the best option for homeowners seeking home insurance with excellent customer service in Aurora, Colorado. For $100K dwelling coverage, the leading choices are:
Chubb earns its top spot due to its high customer satisfaction and solid coverage options, making it a preferred choice despite its higher premium. It is ideal for those who prioritize great service alongside comprehensive protection.
Excellent service in home insurance includes responsive claims processing and clear communication to ensure you understand your coverage.
Chubb scores high on MoneyGeek due to its customer satisfaction and coverage. It offers comprehensive home insurance with guaranteed replacement cost and building ordinance or law coverages. You can save with discounts like new home and home renovation. If your home is new or recently renovated, you may qualify for these savings.
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 damage. Cash settlement offers a payout if you choose not to rebuild. These coverages protect your home and belongings effectively.
MoneyGeek found that Auto-Owners Insurance is the best cheap home insurance option in Aurora, Illinois for 100K dwelling coverage. The top two best cheap insurance providers for $100K dwelling coverage are:
When considering the average cost of homeowners insurance in Colorado, Auto-Owners Insurance stands out for its high affordability and strong coverage options. Choosing cheap home insurance often means selecting lower coverage. This can be great for your wallet but not ideal if you have an accident. In cases where saving on premiums is key, considering the cheapest homeowner insurance companies may help. The best cheap option combines affordability with a reasonable level of service, unlike the absolute cheapest coverage available.
Auto-Owners Insurance scores high in affordability and satisfaction, making it a top choice. It offers comprehensive coverage like guaranteed replacement cost and scheduled personal property. You can save with discounts like responsible payment, which rewards timely premium payments.
Auto-Owners Insurance provides useful coverages like personal property replacement cost, which helps replace damaged items. Building ordinance or law coverage ensures your home meets local codes. Equipment breakdown coverage protects against failures of home systems. With a high MoneyGeek score, it's a great option 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 23, 2024
Several factors affect homeowners insurance in Aurora, with location being a major one. The best way to save is by comparing rates, but this can take time — about 15 minutes per company. Comparing three or more can mean over an hour of research. Use MoneyGeek's home insurance calculator to save time by focusing on key factors. Enter your age, dwelling coverage, credit score, deductible, liability coverage, and a few other details for a rate estimate.
MoneyGeek finds that Auto-Owners Insurance is the best option for home insurance in Aurora, Colorado. The key factor affecting home insurance premiums is the dwelling coverage you choose.
Auto-Owners Insurance stands out as the cheapest in Aurora with a high score of 98. For 250K coverage, it remains the top choice with great affordability. It also leads for 500K coverage, balancing cost effectively. Buying a cheap home insurance plan in Colorado can help manage your finances, and you can find more details by checking the cheapest homeowners insurance in Colorado.
| Auto-Owners Insurance | $1,071 |
| State Farm | $1,273 |
| Chubb | $1,468 |
| Allstate | $2,292 |
| Nationwide | $2,668 |
| American Family | $2,733 |
| Farmers | $5,445 |
Auto-Owners Insurance is the best option in Aurora, Colorado. High dwelling coverage is necessary for homes that cost more to replace. Learn more about how home insurance costs increase over time.
Auto-Owners Insurance stands out as the cheapest homeowners insurance provider in Aurora due to its low premiums for high value homes. According to MoneyGeek, their high scores further highlight their excellence beyond affordability.
| Auto-Owners Insurance | $3,768 |
| State Farm | $5,536 |
| American Family | $6,766 |
| Allstate | $7,096 |
| Chubb | $10,901 |
| Nationwide | $12,974 |
| Farmers | $16,740 |
Nationwide is the cheapest home insurance option for new homes in Aurora, Illinois.
Nationwide offers the lowest premiums, making it a great choice in Aurora, Illinois. However, it's important to note that the cheapest option may not always be the best overall. Consider other factors like customer service and coverage options. Always ensure you are adequately covered.
| Nationwide | $499 |
| Auto-Owners Insurance | $661 |
| State Farm | $761 |
| Chubb | $1,070 |
| Allstate | $1,295 |
| American Family | $2,345 |
| Farmers | $4,117 |
The best cheap homeowners insurance providers balance quality and cost by offering great customer service and coverage with affordable premiums.
The best cheap homeowners insurance in Aurora depends on your needs, considering factors beyond premiums. Important factors include coverage options and customer service. Follow these steps to get best cheap home insurance: compare quotes, check for discounts, and evaluate your coverage needs.
To determine how much home insurance coverage you need, consider factors specific to your home in Aurora, Colorado, such as rebuilding costs, personal property value, and liability requirements.
Explore insurance companies operating in Aurora, Colorado. Focus on those with strong financial stability, positive customer feedback, and a history of reliable service.
Once you understand your coverage needs, compare home insurance quotes. In Aurora, Colorado, premiums for $100K dwelling coverage range from $1,071 with Auto-Owners Insurance to $2,733 with Allstate annually.
Inquire with each insurer about available discounts, such as multi-policy discounts, safety feature installations, or maintaining a claims-free record.
Opting for a higher home insurance deductible can reduce your premium, but ensure it's a manageable amount 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 impact your insurance rates in Aurora, Colorado. Ensure timely bill payments and manage debt to maintain a favorable score.
Consider combining your homeowners insurance with other policies, like auto insurance, to benefit from additional discounts and cost savings.
The best cheap home insurance provider for you in Aurora depends on your coverage needs and budget. Get answers to some of the most commonly asked questions about insurance rates in Aurora, Colorado.
The average cost of home insurance in Aurora, Colorado is $1,923.
Auto-Owners Insurance offers the cheapest home insurance in Aurora with an annual premium of $1,071.
The best home insurance in Colorado for Aurora 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.
