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Home Insurance Premiums For Littleton & Highlands Ranch, Colorado

Home Insurance in Littleton & Highlands Ranch, CO: Companies And Premiums

Home Insurance Premiums For Littleton & Highlands Ranch, Colorado
Littleton’s Ken Caryl Area. Source: UncoverColorado.com

The average cost of HO-3 insurance in Littleton or Highlands Ranch is $1,970.11. Use HO-3 insurance for personal assets and medical payments. Littleton residents should go for this type of insurance for their personal property that they own.

Littleton & Highlands Ranch Homeowners Insurance

If this average is too high, there are a few cheaper options. Go for a cheaper option to save money, especially if the cheaper option still covers your assets.

Here are a few options for cheaper insurance premiums:

  • American Security – $1,013
  • Economy Premier Assurance – $865
  • American Reliable – $753
  • Grange Insurance – $692

List of Companies & Rates for HO-3 Coverage in Littleton & Highlands Ranch, CO

CompanyAnnual Premium
Average$1970.11
Grange Insurance$692
AIG$745
American Reliable$753
Economy Premier Assurance$865
American Security$1,013
Mountain Valley$1,017
United Fire & Cas Co$1,055
360 Insurance$1,104
Armed Forces$1,250
Pharmacists Mutual$1,261
The Cincinnati Insurance$1,347
Horace Mann$1,398
QBE Insurance$1,416
Praetorian Insurance$1,469
Stillwater$1,526
Alliance$1,573
IDS$1,604
Great Northern$1,683
Encompass$1,687
Teachers Insurance$1,729
Vigilant Insurance$1,776
Horace Mann$1,788
Farmers Alliance$1,792
Safeco$1,813
Standard Guaranty$1,814
Trumbull Insurance$1,849
American Family$1,851
Federal Insurance$1,866
Pacific Indemnity$1,866
Colorado Farm Bureau Mutual$1,915
Hartford Fire$1,920
National Casualty$1,944
USAA Casualty$1,962
Twin City Fire$1,986
CSAA$1,992
American Strategic$1,996
Shelter$2,006
Hartford Accident and Indemnity$2,009
State Farm$2,137
United Services$2,154
SECURA Supreme$2,167
National Farmers$2,212
Garrison$2,264
California Casualty$2,266
USAA General$2,266
Metropolitan Direct$2,280
Foremost Insurance Company Grand Rapids, Michigan$2,322
CENTRAL MUTUAL$2,342
Owners Insurance$2,406
SECURA$2,445
ANPAC$2,492
Liberty$2,501
Allstate$2,504
Homesite$2,516
Esurance$2,526
LM Insurance$2,632
COUNTRY Mutual$2,744
Acuity$2,771
Amica$2,775
ANGIC$2,891
Auto-Owners$3,090
Electric Insurance$3,138
Metropolitan$3,392
Farmers Insurance Exchange$3,522

Littleton & Highlands Ranch Condo Insurance

HO-6 insurance applies to condominiums and cooperative homes. This type of insurance covers incidents within the condominium by the homeowner or any of the shareholders in the building. The average price for HO-6 insurance is $446.28. 

In Littleton or Highlands Ranch, the average HO-6 premium is a bit above the national average. Look below for a few cheaper options:

List of Companies & Rates for HO-6 Coverage in Littleton & Highlands Ranch, CO

CompanyAnnual Premium
Average$446.28
SECURA Supreme$161
Grange Insurance$198
360 Insurance$201
SECURA Ins$202
Economy Premier Assurance$204
Mountain Valley$210
United Fire & Cas Co$233
Colorado Farm Bureau
$236
National Farmers$257
Allstate$266
Metropolitan$271
Farmers$282
California Casualty$292
Shelter$293
Trumbull Insurance$306
Farmers Insurance Exchange$309
Foremost Insurance Company Grand Rapids, Michigan$310
Hartford$311
ANPAC$314
State Farm$314
Encompass$320
Metropolitan Direct$321
Hartford Accident and Indemnity$324
Twin City Fire$325
CENTRAL MUTUAL$345
Horace Mann$350
American Family$353
ANGIC$355
Acuity$355
American Strategic$359
Great Northern$373
COUNTRY$384
Electric Insurance$385
Vigilant Insurance$389
Safeco$405
Federal Insurance$406
Pacific Indemnity$406
Auto-Owners$468
Owners Insurance$468
Armed Forces$490
USAA General$504
Teachers Insurance$550
National Casualty$571
American Bankers Insurance Company of Florida$572
Amica Mutual$616
Stillwater$623
The Cincinnati Insurance$624
Homesite$663
CSAA General$686
Pharmacists Mutual$725
USAA$733
Liberty$735
United Services$759
LM$773
Garrison$779
AIG$822
IDS$1,135
Praetorian Insurance$1,263

Littleton & Highlands Ranch Renters Insurance

When homeowners insurance is HO-4, it applies to renters. Yearly premiums with an HO-4 are typically cheap, and Littleton’s average is $264.39. Some renter’s premiums are so low, they only cost around $15 per month.

Here are some cheaper options than the Littleton average:

  • Trumbull Insurance – $196
  • 360 Insurance – $134
  • National Farmers – $133
  • Economy Premier Assurance – $110

List of Companies & Rates for HO-4 Coverage in Littleton & Highlands Ranch, CO

CompanyAnnual Premium
Average$264.39
Economy Premier Assurance$110
State Farm$125
National Farmers$133
360 Insurance$134
Praetorian Insurance$135
Alliance Insurance$149
Mountain Valley$150
California Casualty$154
Grange Insurance$158
Allstate$166
Farmers Insurance Exchange$178
Colorado Farm Bureau$183
Farmers$185
Homesite$185
Acuity$188
Stillwater$191
IDS$193
ANPAC$196
Trumbull Insurance$196
Hartford Fire$199
Hartford Accident and Indemnity$206
Twin City$207
SECURA Supreme$215
Markel American$216
Great Northern$220
ANGIC$222
Safeco$226
Aspen American$228
American Family$229
Vigilant Insurance$230.00
CENTRAL MUTUAL$231
Shelter$234
American Strategic$235
American Modern$239
Federal Insurance$239
Pacific Indemnity$239
Auto-Owners$242
Owners Insurance$242
Century-National$254
Foremost Insurance Company Grand Rapids, Michigan$255
SECURA$258
Amica$272
CSAA$272
Metropolitan Direct$274
First American$281
United Fire & Cas Co$293
American Bankers$300
Metropolitan$300
Electric Insurance$309
USAA$315
COUNTRY$317
Horace Mann$318
Teachers Insurance$327
Garrison$329
USAA Casualty$330
United Services$356
Pharmacists Mutual$366
National Casualty$369
Encompass$413
American Family$417
Liberty$561
LM$591
The Cincinnati Insurance$598
AIG$838

Census

Littleton, Colorado is a smaller city with a quickly growing population. As of 2017, the city’s population reached 47,734, and the majority of residents are at a median age of 42 years. A smaller percentage of the residents are living in poverty, and most people in Littleton make above the median average for Colorado per year. 

While most residents make a median of $71,155 per year, the cost of a house in Littleton is $405,578. Residents should expect to pay more for a house in comparison to the rest of Colorado.

Homeowners Insurance Tips

The cost of living is within the national average. If you are moving to Littleton or Highlands Ranch, keep in mind that most people earn well above the Colorado average. Every city has crime, but Littleton’s crime has been slowly declining on a year-to-year basis. 

Littleton is within 10 miles of Denver, Colorado. This is good to know because Denver is a larger city with more jobs. About 22% of the population commutes in or outside of the city daily, so it is important to have a car or other means of transport.

Source: We collected this information from https://www.colorado.gov/dora/division-insurance. All of the census data and prices have been fact-checked, but premiums are subject to change over time. 

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