Highlands Ranch, Colorado, is a thriving suburban community located in Douglas County, with a population of approximately 110,000 residents. Known for its family-friendly atmosphere, excellent schools, and well-planned neighborhoods, Highlands Ranch offers a comfortable and active lifestyle. The community features several welcoming neighborhoods, such as Falcon Hills, Westridge, and Eastridge, spanning key zip codes like 80126, 80129, and 80130. With a diverse range of housing options, from single-family homes to modern townhouses, Highlands Ranch provides an ideal environment for families, young professionals, and retirees.
Conveniently located along C-470 and U.S. Highway 85, Highlands Ranch offers easy access to Denver, Littleton, and surrounding communities. The area boasts over 25 parks, miles of trails, and extensive green spaces, providing ample opportunities for outdoor activities such as hiking, biking, and playing sports. Highlands Ranch also features recreation centers, shopping, and dining options, creating a community that balances suburban comfort with modern conveniences, making it an attractive place to call home.
Castle Rock Insurance, an independent insurance broker, offers Highlands Ranch residents personalized insurance solutions tailored to their specific needs. Partnering with leading carriers like Safeco, Liberty Mutual, Progressive, and Nationwide, Castle Rock Insurance provides a wide range of options, including homeowners, renters, and auto insurance. As an independent broker, Castle Rock Insurance has the flexibility to shop multiple carriers to ensure Highlands Ranch residents receive the best coverage at competitive rates. With local expertise and a deep understanding of the Highlands Ranch community, Castle Rock Insurance is committed to delivering customized insurance solutions that provide peace of mind to individuals and families in this vibrant and well-planned suburban community.
How Much Does Insurance Cost in Highlands Ranch?
In Highlands Ranch, Colorado, insurance costs vary depending on the policyholder’s needs and the selected insurance provider. Below are the average rates for common types of insurance in 2024:
1. Auto Insurance
The average cost for full coverage auto insurance in Highlands Ranch is about $1,400 to $2,200 per year, with premiums influenced by factors such as the driver’s age, driving history, and vehicle type.
2. Home Insurance
Homeowners in Highlands Ranch typically pay between $1,500 and $2,400 per year, with rates depending on the home’s value, location, and the coverage selected.
3. Renters Insurance
Renters insurance in Highlands Ranch generally costs around $130 to $250 per year, depending on the amount of personal property coverage and any additional liability protection needed.
4. Condominium Insurance
Condo insurance in Highlands Ranch averages $300 to $550 per year, depending on the size of the condo and the coverage needed for personal belongings and liability protection.
5. High-Value Home Insurance
For homes valued at $1 million or more, high-value home insurance premiums in Highlands Ranch range from $3,500 to $6,000 per year, with rates influenced by factors such as home location, security features, and customized coverage options.
If you’re looking for personalized insurance advice and quotes, consider reaching out to a local Colorado-based insurance broker like Castle Rock Insurance to get coverage tailored to your specific needs.
Get an Insurance Quote to Stay Protected in Highlands Ranch
Castle Rock Insurance is a reliable choice for Highlands Ranch residents seeking personal and residential insurance coverage. As a local, independent broker, Castle Rock Insurance partners with over 20 personal and residential carriers to offer a wide range of policy options. With discounts available for bundling insurance policies, mature drivers, homes with security systems, and vehicles equipped with anti-theft devices, Castle Rock Insurance ensures Highlands Ranch residents receive customized, affordable insurance solutions to meet their unique needs.
