Aurora, CO Homeowners Insurance

Learn more about how to find affordable homeowners insurance in Aurora.

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How to find cheap homeowners insurance in Aurora

 

One of the most important aspects of homeownership is home insurance. Along with your personal property, homeowners insurance covers your dwelling against many perils, including fire, wind damage, vandalism, and theft. Events like this occur often. When paired with the high cost of repairing or rebuilding a house, investing in homeowners coverage can seem like a smart idea.

The cost of homeowners insurance coverage factors in variables such as the cost of building materials, the value of your personal belongings, and the overall value of the primary dwelling. 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. Learn more info about what a home insurance policy covers.

If you want to find inexpensive homeowners insurance in Aurora, start with looking around and comparing a variety of different policies. Have a look at the summary below comparing average home insurance premiums in Aurora to help you get as much information as possible when you start your search for homeowners insurance. Remember: your homeowners insurance premiums may vary based on your coverage limits and other factors.

 
Aurora, Colorado, homeowners insurance — table of contents:
  1. Rates by insurer
  2. Rates by coverage amount
  3. Rates by ZIP code
  4. Rates by deductible level
  5. 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.

To get started with your homeowners insurance policy search, take a look at this list of the cheapest companies in Aurora, Colorado.

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

 

Average homeowners insurance prices in Aurora by coverage limit

Your chosen amount of homeowners coverage impacts the insurance premiums you pay. 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 $3,669 per year.

 
HOMEOWNERS INSURANCE RATES IN AURORA — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$100K Dwelling$1,573
$200K Dwelling$2,065
$250K Dwelling$2,691
$400K Dwelling$3,669

 

Aurora homeowners insurance prices by ZIP code

Homeowners insurance premiums can vary depending on what part of Aurora in which you live. One of the factors that insurers use when pricing your policy is the number of claims filed in your surrounding area. As such, your neighborhood's location can dramatically influence your home insurance rates.

The cheapest home insurance rates in Aurora are available in 80019. In 80019, the typical home insurance policy costs $2,705 per year — $40 less than the citywide average in Aurora. The below table shows the best places to live in Aurora if you’re looking for affordable homeowners insurance.

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

Some parts of Aurora, however, have home insurance rates that are higher on average. These areas could be more susceptible 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 most expensive 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

 

Home insurance deductibles in Aurora

One of the multiple decisions available when shopping for homeowners policies is where to set your deductible. A homeowners deductible is how much your insurance requires you to pay out of pocket toward a claim. Choosing where to set your deductible impacts how much you pay for insurance.

On the whole, choosing a lower deductible means that your insurance premiums will be higher. As such, if you want to keep your insurance rates low, aim for a higher deductible. It's worth calling out that your deductible should only be as high as you can reasonably pay if you actually suffer a loss.

Below are some standard deductibles offered on most home policies alongside with corresponding average insurance premiums.

 
HOME INSURANCE PREMIUMS BY DEDUCTIBLE TIER IN AURORA
Deductible LevelAverage Annual Home Insurance Rate
$500$2,931
$1,000$2,691
$1,500$2,495
$2,000$2,397
$5,000$1,897

 

Money-saving tip for home and auto insurance in Aurora: bundling

If you’re seeking ways to save on your overall insurance costs, consider purchasing your home and auto policies from the same insurance company. Bundling home and auto insurance can save you a substantial sum each month on your auto insurance bill. By bundling your policies, Aurora homeowners could see annual savings of 13% on average.

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

Bundling your homeowners and auto policies can be a great way to save some money on insurance.

 

Get home insurance quotes today!

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Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.