Home Insurance in Fort Collins

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Reasons To Call Fort Collins Home

Fort Collins is a small to mid-sized city located in northern Colorado. Its location makes it an ideal place for its estimated 169,249 residents to call home. The population average is slightly younger than the rest of the state, a trend likely influenced by the presence of Colorado State University. Homeowners can protect their financial futures by choosing a home policy with VIU by HUB.

City data shows approximately 70,429 housing units. of which just over half are owner-occupied. The average home value, according to U.S. Census estimates, is $431,300.Residents enjoy a host of amenities living in Fort Collins, including more than 950 acres of parks, four swimming pools and three golf courses.

Life in Fort Collins is generally peaceful. City-Data.com reports that most crime rates are lower than national averages. Additionally, property crimes have been decreasing over the past several years. That translates to lower insurance rates for city residents. However, it's still a good idea to have a comprehensive home policy in place to protect against the unexpected.

Why You Need Home Insurance in Fort Collins

There are minimal risks of flooding or severe windstorms in the city. However, Risk Factor estimates that approximately 80% of Fort Collins properties are at risk from wildfires over the next 30 years. That's a loss typically covered by a standard home policy, so it's a good idea to have coverage in place to protect your home.

Other natural disasters Fort Collins homeowners face include hail and winter snow and ice storms. According to the Rocky Mountain Insurance Information Association. these are historically among the highest contributors to major home insurance claims.

A standard home policy covers damages to your home, outbuildings and personal belongings from many of these natural disasters, plus actions such as vandalism and theft. This coverage comes from the dwelling, additional structures and personal property portions of our home insurance in Fort Collins. Liability is another portion of your policy that protects your finances.

Liability insurance pays for medical care, property repairs and legal fees if someone suffers an injury or personal loss while on your property. It can help protect you against lawsuits or expensive hospital bills if you were negligent.

Ways To Save on Home Insurance in Fort Collins

According to MarketWatch. the average cost for a home policy in Fort Collins with $450,000 in coverage is $3,580.00. That is substantially lower than the state average for the same amount of coverage. However, you may pay more or less for coverage depending on several factors.

For example, a house with a lower value and cost to rebuild will cost less to insure. According to the same MarketWatch report, lowering your coverage to $250,000 will bring your premium to $2,389.00, a savings of more than $1,000. So, if you have a smaller home, you may be able to reduce coverage and pay less for home insurance in Fort Collins.

There are other ways to save on a home policy that do not require lower coverage amounts. Taking advantage of available discounts is an excellent example. Some companies offer premium reductions for installing security systems, fire suppression devices or similar homeowner actions.

Work with VIU by HUB to find potential discounts. We'll help you compare rates from multiple providers, so you find affordable and comprehensive coverage for your Fort Collins home.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


City of Fort Collins



Risk Factor

Rocky Mountain Insurance Information Association

U.S. Census Bureau

Home insurance in Colorado by city

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