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
| Company | Annual Premium |
|---|---|
| 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 |
| Average | $1970.11 |
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:
- Great Northern – $373
- The Hartford – $311
- Farmers – $309
List of Companies & Rates for HO-6 Coverage in Littleton & Highlands Ranch, CO
| Company | Annual Premium |
|---|---|
| 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 |
| Average | $446.28 |
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
| Company | Annual Premium |
|---|---|
| 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 |
| Average | $264.39 |
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.
