Best cheap homeowner insurance in Aurora

If you are a homeowner living in Aurora you know the value of good homeowner insurance. The average value of a home in Aurora is $ 290,000, and that’s an investment worth protecting. The average cost of home insurance in Aurora in 2021 is $ 1,896 for a $ 250,000 home, which is slightly below the Colorado average of $ 1,659.

We looked at the insurers that buy the most policies in the region and rated them based on a variety of factors including cost, customer service, financial stability and their coverage options. The best cheap home insurance in Aurora is available from some companies that have excelled in all areas.

Best Cheap Home Insurance Company Aurora

Auto-Owners, USAA, American Family, Travelers and Allstate are the companies we selected for our best of list. They all offer policies at a competitive price and rank well in JD Power’s Overall Customer Satisfaction Index, which is based on interviews with more than 11,000 policyholders. These companies are financially stable and allow you to adjust your policies to suit your own circumstances.

Home insurance Average annual premium for housing coverage of $ 250,000 JD Power Score
Car owner $ 1,135 843/1000
USAA * $ 1,486 889/1000
American family $ 1,568 821/1000
traveler $ 1,699 803/1000
Allstate $ 1,951 829/1000

* USAA is not eligible for an official ranking at JD Power due to eligibility restrictions

Car owner

Auto-Owners values ​​good customer service, as evidenced by the JD Power score of 843, which puts it in third place on the list nationwide. It also offers the lowest average price for homeowner insurance in Aurora verified by the provider Bankrate.

Despite the company name, Auto-Owners isn’t just for car owners – it writes solid guidelines for homeowners as well as special guidelines for quality homes. It offers 12 possible discounts, including a green discount if you are paperless, a discount on multiple insurance policies, and a discount if you happen to be mortgage-free.

USAA

USAA has a well-deserved reputation for providing excellent customer service and a supportive community experience for policyholders. The USAA isn’t as well known as some of our other decisions, and that could be because it only sells policies to members of the U.S. military, veterans, and their families. If you fall into any of these categories, consider choosing this as your first choice for an offer when looking for homeowner insurance. The guidelines are based on the needs of the soldiers, including, for example, the coverage of military uniforms.

American family

AmFam has been writing guidelines since the 1920s, and while it might not be high on a list, it is conveniently positioned above average for customer service. Prices are below the Aurora average, and the JD Power rank indicates that good customer service is a priority.

In addition to the basic offerings of an HO-3 policy (the most common type of homeowner policy), American Family offers optional coverage for equipment failure, sump pump and water protection, credit theft, and more. With a handful of discounts, you can save even more on your company’s premium.

traveler

A basic Travelers policy is fairly comprehensive coverage of your home, other structures, belongings, and liability, as well as coverage of your living expenses if you cannot be home while the repairs are being carried out. There are eight additional coverage options that allow for a high degree of customization, including an eco-friendly house note to help you repair your home in an eco-friendly way, identity theft, and extended coverage for jewelry or other valuable items.

Allstate

Allstate’s average price for Aurora residents was the highest of our five, but the company offers a good return on your investment. In addition to the standard insurance of an HO-3 policy, it offers options such as identity theft, business property, and garden and garden protection to protect your landscape from damage.

“Allstate Extras” offer additional perks such as: For example, a Claim Rateguard that keeps your premium costs reasonable even if you make a claim, and Deductible Awards that offer $ 100 off your deductible just for enrollment and an additional $ 100 off for each year of your stay .

Other Aurora home insurance coverage to consider

If you have a mortgage on your home, your lender will likely require you to have homeowner insurance. However, it is not required by the state what the car insurance is like. However, because of the cost of rebuilding after a disaster such as a house fire, few homeowners are without insurance.

A standard HO-3 policy covers your home to the limit of your coverage, as well as your belongings and liability. Below are some general customizations, called notes, that you can add to your policy if necessary:

  • Flood insurance: Flooding is one of the major gaps in standard coverage that it does not address. Your insurer may be able to sell you flood insurance from the National Flood Insurance Program, and it is worth considering whether you are in a flood area.
  • Extended feature: A basic policy covers your personal effects – up to a point. If you own expensive jewelry, artwork, electronics, or other collections or items, you may be interested in extended coverage that is specifically designed to protect them from loss or damage.
  • Identity Theft: Identity theft is a growing number of people, and it takes time and money to recover from such theft. This optional coverage pays for legal fees, lost wages and other costs.

Home insurance discounts in Aurora

To find cheap home insurance in Aurora, you should take advantage of all the discounts that are available to you. Almost all major insurers have at least some, and they are usually pretty easy to earn. Here are some that are common in Colorado:

  • New home: Some insurers offer a discount if you bought your home within the last 12 months. You can also earn a discount if your home is a new build.
  • Multi-Policy: If you are happy with your homeowner’s insurance, you should buy your auto insurance from them as well. This will likely save you a few percentage points on your premiums.
  • Protective devices: Smoke alarms, sprinkler systems, security systems, and anything else that makes your home safer and more secure is likely to bring you a discount.
  • Closed residential complex: If you live in a condominium, or in a condominium that has a security presence, residence cards, or key lock, you may receive a discount.

frequently asked Questions

What is the best home insurance?

To find the best home insurance company for you, you need to do some research of the companies that buy policies in your area. A good place to start is our list of the Best Homeowner Insurance Companies of 2021. Get quotes from multiple companies so you can compare costs.

What does home insurance cost in Aurora?

The average price for home insurance in Aurora is $ 1,896. Your own expenses are determined by a variety of factors including your age and creditworthiness, the age and condition of your home, and the location of your property.

How Much Home Insurance Do I Need in Aurora?

Your home insurance should protect you financially if a disaster strikes your home. It should be enough that you can rebuild a house of roughly the same size if your current home is destroyed or damaged. Your insurance agent can help you determine the amount.

methodology

Bankrate uses Quadrant Information Services to analyze rates for all zip codes and homeriers in all 50 states and Washington, DC. The tariffs given are based on 40-year-old male and female homeowners with a clean history of damage, good creditworthiness and the following coverage limits:

  • Coverage A Apartment: $ 250,000
  • Coverage B, Other Structures: USD 25,000
  • Coverage C, Personal Property: $ 125,000
  • Coverage D, Loss of Use: $ 50,000
  • Cover E Liability: $ 300,000
  • Coverage F, Medical Payments: $ 1,000

The homeowners also have a $ 1,000 deductible and a separate wind and hail deductible (if required).

These are sample rates and should only be used for comparison purposes. Your quotes can be different.

Pricing is based on data from 2020 Quadrant Information Services.

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