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Home Insurance In Sterling, CO: Companies & Premiums

Home Insurance In Sterling, CO: Companies & Premiums

Home Insurance In Sterling, CO: Companies & Premiums

Most HO-3 insurance premiums in Colorado are on the higher side. This still applies to Sterling, Colorado. The average cost of an HO-3 premium is $2,314.70.

Sterling, CO Homeowners Insurance

If your family is on the lower-income side, then there are a few cheaper options. Depending on the coverage you need, you can get much cheaper rates.

Check the following insurance companies for cheaper-than-average rates:

  • Colorado Farm Bureau Mutual – $1,954
  • United Fire & Gas Co – $1,055
  • Pharmacists Mutual – $1,261
  • AIG – $775

List of Companies & Rates for HO-3 Coverage in Sterling, CO

CompanyAnnual Premium
Average$2314.70
American Reliable$753
AIG$775
American Security$1,013
Grange Insurance$1,038
United Fire & Cas Co$1,055
Economy Premier Assurance$1,236
Armed Forces$1,244
Pharmacists Mutual$1,261
Horace Mann$1,562
Standard Guaranty$1,590
QBE Insurance$1,592
IDS$1,614
American Strategic$1,667
Mountain Valley$1,681
The Cincinnati Insurance$1,756
360 Insurance$1,768
Alliance Insurance$1,829
Praetorian Insurance$1,834
Metropolitan Direct$1,868
Stillwater$1,893
National Casualty$1,944
Colorado Farm Bureau$1,954
Great Northern$1,983
American Family$2,000
Teachers Insurance$2,003
Horace Mann$2,051
SECURA Supreme$2,051
Farmers$2,073
Vigilant Insurance$2,090
ANPAC$2,096
Safeco$2,150
Federal Insurance$2,199
Pacific Indemnity$2,199
Shelter$2,266
SECURA$2,314
Foremost Grand Rapids, Michigan$2,322
CSAA$2,336
Owners Insurance$2,412
ANGIC$2,430
California Casualty$2,489
Encompass$2,554
Metropolitan$2,554
USAA Casualty$2,579
Acuity$2,767
Amica$2,812
Allstate$2,824
CENTRAL MUTUAL$2,832
United Services$2,869
Esurance$2,896
Homesite$2,942
National Farmers$2,999
Auto-Owners$3,071
Garrison$3,098
USAA General$3,136
Liberty Insurance$3,204
Trumbull Insurance$3,337
Electric Insurance$3,347
COUNTRY Mutual$3,368
LM Insurance$3,375
Hartford Fire$3,470
Twin City Fire$3,593
Hartford Accident$3,636
State Farm$4,017
Farmers Insurance Exchange$4,470

Sterling, CO Condo Insurance

An HO-6 premium is a cheaper option for homeowners. If the homeowner lives in a condominium or cooperative housing, then they are eligible for an HO-6 premium. In Sterling, Colorado, the average cost of an HO-6 insurance premium is $456.84.

There are tons of options for HO-6 coverage in Sterling. If you need a cheaper premium, then a little research gets you a good rate. These cheaper premiums may still cover your assets and save you money. Do not go for one premium right off the bat. Shop around, and make an informed decision.

Take a look at these cheaper options for lower-income families:

  • Hartford Fire – $366
  • National Farmers – $297
  • Metropolitan – $238
  • Economy Premier Assurance – $200

List of Companies & Rates for HO-6 Coverage in Sterling, CO

CompanyAnnual Premium
Average$456.84
SECURA Supreme$136
SECURA$174
Allstate$184
Mountain Valley$198
Economy Premier Assurance$200
360 Insurance$201
Metropolitan Direct$233
United Fire & Cas Co$233
Colorado Farm Bureau$236
Metropolitan Property$238
California Casualty$259
Grange Insurance$265
ANPAC$282
Farmers$285
Shelter$293
National Farmers$297
Farmers Insurance$298
Foremost Grand Rapids, Michigan$310
Horace Mann$317
ANGIC$318
Acuity$339
State Farm$352
CENTRAL MUTUAL$359
Trumbull Insurance$360
Hartford Fire$366
Safeco$371
Hartford Accident$381
American Strategic$384
COUNTRY Mutual$384
Twin City Fire$384
Electric Insurance$385
American Family$386
Encompass$389
Auto-Owners$459
Owners Insurance$459
Great Northern$467
Teachers Insurance$473
Armed Forces Insurance Exchange$478
Vigilant Insurance$491
Federal Insurance$510
Pacific Indemnity$510
Amica$514
USAA General$515
National Casualty$571
Stillwater$581
Liberty Insurance$626
LM Insurance$660
Homesite$664
The Cincinnati Insurance$692
Pharmacists Mutual$725
USAA Casualty$758
United Services$775
CSAA$779
AIG$787
Garrison$806
IDS$853
American Bankers of Florida$915
Praetorian Insurance$1,632

Sterling, CO Renters Insurance

Some people choose to rent rather than have a home. An HO-4 premium is meant to protect your assets on another person’s property. The cost of the premium should be enough to cover those assets. The average cost of HO-4 renters insurance is $234.55.

Typically, the cost of renters insurance is going to be cheaper than home insurance in Colorado, but there are even cheaper options. If you need a cheaper rate, there are plenty of options. Some options go for as low as $15 per month. Browse some of the cheaper HO-4 options below:

  • IDS – $195
  • ANPAC – $176
  • Allstate Indemnity – $166
  • Economy Premier Assurance – $108

List of Companies & Rates for HO-4 Coverage in Sterling, CO

CompanyAnnual Premium
Average$234.55
Economy Premier Assurance$108
State Farm$125
360 Insurance$134
Mountain Valley$139
California Casualty$141
National Farmers$148
Alliance$152
Farmers Insurance Exchange$159
Allstate$166
SECURA Supreme$174
ANPAC$176
Colorado Farm Bureau$183
Praetorian Insurance$183
Grange Insurance$185
Homesite$185
Acuity$189
Farmers$189
Stillwater$193
IDS$195
Metropolitan Direct$199
ANGIC$200
SECURA$212
Markel American$216
Great Northern$220
Trumbull Insurance$227
Aspen American$228
Hartford Fire$230
Vigilant Insurance$230
American Strategic$232
Shelter Mutual$234
Auto-Owners$238
Owners Insurance$238
American Modern$239
CENTRAL MUTUAL$239
Federal Insurance$239
Hartford Acciden$239
Pacific Indemnity$239
Twin City Fire$240
American Family$241
Amica Mutual$242
Century-National$254
Foremost Grand Rapids, Michigan$255
Metropolitan Property$264
Safeco$270
Teachers Insurance$280
First American$281
Horace Mann$292
United Fire$293
American Bankers of Florida$300
Electric Insurance$309
CSAA$320
COUNTRY Mutual$339
USAA General$349
Garrison$362
USAA Casualty$362
Pharmacists Mutual$366
National Casualty$369
United Services$393
American Family$417
Liberty Insurance$479
Encompass$504
LM Insurance$504
The Cincinnati$807
AIG$828

Tips for Purchasing Coverage

The population in Sterling, Colorado is rapidly growing. Since 2000, the city’s population has grown by 22%, and the majority of the population is in their low 30’s. Younger people seem attracted to the urban, rapidly growing city. The median household income is below the Colorado average, and the value of a condo is half that of the Colorado average.

The median gross rent in Sterling, Colorado is $823. This is a cheaper rate compared to bigger cities. If you are a young person, you may prefer to live in Sterling, Colorado because of the easier means of living. Keep in mind that 20% of the population lives in poverty, so somewhere along the lines, it is likely difficult to live in Sterling without a solid job.

Crime in Sterling, Colorado is on the rise. This means that it is especially important to protect your assets with homeowners insurance. Go for a premium that covers vandalism and theft, and protect yourself with extra security measures. If worse comes to worst, go for a premium that pays for your medical bills and liabilities.

Source: The information for these premiums and percentages was collected from https://www.colorado.gov/dora/division-insurance. At the time of writing, all prices and percentages were accurate. However, these things are subject to change over time. Be sure to double-check before making a decision.

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