Home Insurance in Aurora
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Policies for Homes in Aurora
Aurora is a southeastern suburb of Denver and the third most populous city in Colorado, with a population of 394,941. There are more than 450 neighborhoods in Aurora, where the median home value was $350,200 between 2017 and 2021 and is now approaching $475,000. Home insurance in Aurora is the best way to protect your home in this growing city against property damage.
Homeowners can benefit from insurance policies that cover common risks in Arapahoe, Adams and Douglas counties. The vast majority of the average of 53 tornadoes that occur every year in Colorado happen along or to the east of Interstate 25. Aurora also receives 62 inches of snow on average every year.
The value of your home in Aurora and the level of risk in your neighborhood affect home insurance rates. The median home listing price in Southshore, which is the most expensive neighborhood in Aurora, is around $875,000. Median listing prices in the most affordable neighborhood, City Center North, are around $250,000. Provide basic information about your home to compare policy quotes from VIU by HUB.
Why You Need Home Insurance in Aurora
Several residential property damage risks are more common in Aurora than in the rest of Colorado or the United States. Find out more about three of the most relevant perils to Aurora residences that most home insurance policies cover:
- Property crime: The crime rate in Aurora is 124 crimes per square mile compared to 57 crimes per square mile in Colorado and a national median of 26.8. Most home insurance policies cover loss or damage caused by theft, mischief or vandalism.
- Hail damage: Spotters reported 92 incidences of hail on the ground over the past year. Large hail can damage roofing, windows and home exteriors.
- Wildfire risk: Small brush fires frequently break out in Aurora. Approximately 69% of all properties in the city are at risk from wildfires over the next 30 years.
Home insurance is a practical way to protect the value of your property. The right home insurance policy can limit out-of-pocket costs to repair or rebuild your home after damage caused by covered perils.
Choose the Right Level of Coverage for Your Home
VIU by HUB is the best way to compare the costs and coverage of any type of insurance policy for your home in Aurora. Basic and broad policies have lower premiums but only cover a limited range of hazards. All-perils and comprehensive policies provide more extensive coverage.
Average Home Insurance Rates in Aurora
The average annual cost of home insurance in Aurora is $3,110. which is comparable to other large cities in Colorado. Home insurance rates in Aurora are lower than rates in Pueblo, which has a property crime index of 90.4 compared to 43.5 in Aurora. The age, size and location of your home also factor into policy costs.
Coverage Options for Aurora Homeowners
Most home insurance policies have relatively low limits for contents. Supplemental coverage can reduce out-of-pocket expenses to repair or replace lost or damaged possessions. Use VIU by HUB to price any of the following optional policies, endorsements or riders:
- Replacement cost value coverage versus actual cost value coverage
- Separate policies for valuable collectibles, fine art or jewelry
- Coverage for temporary relocation expenses
- Umbrella policies that raise home insurance liability limits
The right insurance policy and options for additional coverage can cover the value of your dwelling and contents. Use VIU by HUB to get the best deal on home insurance in Aurora.
This information is intended for general informational purposes only and is not intended to constitute legal advice.