Aurora Homeowners Insurance

The Zebra
Aug. 26, 2019

How to find affordable homeowners insurance in Aurora


Home insurance should be a critical consideration for every homeowner. Fire, vandalism, theft, and wind damage are just some of the perils for which home insurance can protect your dwelling and personal property. Incidents like this occur regularly. When paired with the high cost of repairing or rebuilding a house, purchasing homeowners coverage can seem like a great idea.

What you pay for homeowners insurance depends on many factors. This can include the overall value of your house, the value of your personal belongings, and the materials that were used when building your home. Your home's location can also impact how much you pay, as some locations are more prone to destructive hazards. If your area is at risk of being affected by hail, strong winds, fire, frozen pipes, or volcanic activity, then your premiums could be substantially higher than average. Find out more info about what is covered by a homeowners insurance policy.

If you want to find cheap home insurance coverage in Aurora, start with looking around and comparing different policies. Take a look at the summary below showing average Aurora homeowners insurance rates to ensure you start your search with as much background info as possible. It's important to remember that the cost of your homeowners insurance is often based on the coverage limits you choose as well as a variety of other factors.


Aurora, Colorado, homeowners insurance:
  1. Rates by company
  2. Rates by coverage level
  3. Rates by ZIP code
  4. Insurance bundle discounts

Home insurance in Aurora by insurance company

Homeowners insurance rates in Aurora vary from one insurance company to another. AAA offers the most affordable home insurance in Aurora, at just $1,138 per year. This compares favorably to the city’s average homeowners premium of $2,745.

Below you'll find a list of the cheapest home insurance companies in Aurora, Colorado to help you begin your search.


CHEAP HOME INSURANCE COMPANIES IN AURORA
CompanyAverage Annual Rate
AAA$1,138
Nationwide$1,683
Liberty$1,973
State Farm$2,100
USAA$2,325

Average homeowners insurance costs in Aurora by coverage level

How much you pay for home insurance coverage is greatly impacted by the level of coverage you choose. Homeowners in Aurora who carry $200K in dwelling coverage pay an average of $2,065 per year, while those with coverage up to $400K pay around $3,402 per year.


HOMEOWNERS INSURANCE RATES IN AURORA — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$2,065
$400K Dwelling$3,402

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Aurora home insurance prices by ZIP code

Depending on which part of Aurora you live in, you may see vastly different home insurance costs. The amount of claims filed in your local area can be a factor in determining the price of your policy. Put simply, your home's location could have a huge impact in what you pay for homeowners coverage.

If you're looking for the cheapest homeowners coverage in Aurora, take at look at the 80019 ZIP code. In the 80019 area, homeowners policies typically cost just $2,705 per year, which isa full $40 less than the overall average for Aurora. Find the best places to live in Aurora for cheap home insurance by looking at the table below.


AFFORDABLE ZIP CODES FOR HOMEOWNERS INSURANCE IN AURORA
ZIP CodeAverage Annual Home Insurance Rate
80019$2,705
80012$2,705
80013$2,709

Other areas of Aurora, however, face homeowners rates that surpass the city average . These parts of town could be more prone to perils such as theft, severe weather, or fires that present more risk for insurance companies. With an annual average premium of $2,799, 80018 comes in as the priciest ZIP code in Aurora for homeowners insurance.


EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN AURORA
ZIP CodeAverage Annual Home Insurance Rate
80018$2,799
80047$2,781
80247$2,776



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Looking for a money-saving tip for insurance in Aurora? Try bundling

If you’re looking for ways to save on your overall insurance costs, consider purchasing your home and auto policies from the same insurance company. Bundling your homeowners and auto insurance can be a good money-saving option. In fact, bundling policies in Aurora leads to average annual savings of 13%.


CHEAPEST AUTO INSURANCE RATES WITH HOME BUNDLE IN AURORA
CompanyAvg. Annual Auto Insurance Rate (Bundle)
USAA$1,107
GEICO$1,195
State Farm$1,371
American Family$1,404
Farmers$1,739

A great way to save on insurance is to bundle your home and auto policies with the same insurance company. Call 855-493-9728 to speak with an insurance specialist today.


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