Altitude Insurance
5701 Yukon St., Arvada, CO 80002
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Arvada households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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5701 Yukon St., Arvada, CO 80002
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7710 Ralston Rd, Arvada, CO 80002
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6749 Fulton Street, Arvada, CO 80003
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5308 Sheridan Blvd, Arvada, CO 80002
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6275 Joyce Dr, Ste 223, Arvada, CO 80403
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14180 W 96th Dr, Ste B, Arvada, CO 80005
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Learn about insurance coverage options specific to Arvada residents.
Compare auto and home insurance rates in Arvada, CO. Learn about coverage requirements, local agents, and how to save on premiums in Jefferson County.
Home InsuranceArvada homeowners pay $4,535/year average for home insurance. Learn about hail coverage, historic home protection, and smart ways to save on your premium.
Car InsuranceArvada drivers need more than 25/50/15 minimums. Learn about Colorado's at-fault system, I-70 risks, and how to get the right coverage for less.
Colorado requires liability coverage of at least 25/50/15: $25,000 per person for bodily injury, $50,000 total per accident, and $15,000 for property damage. However, with nearly 18% of Colorado drivers uninsured, most agents recommend 100/300/100 limits plus uninsured motorist coverage for better protection.
Arvada's average home insurance cost of $4,535 per year is nearly $2,000 above the national average, primarily due to frequent hailstorms in Jefferson County and wildfire risk in nearby foothills. Insurance companies factor these weather-related claims into premiums, making coverage more expensive than in less hazard-prone areas.
No, standard homeowners insurance policies in Colorado exclude flood damage. If you live near Clear Creek or in a designated flood zone, you'll need separate flood insurance through the National Flood Insurance Program (NFIP) or a private insurer to protect against water damage from flooding.
Arvada drivers pay an average of $145-$165 per month for full coverage, which is roughly in line with Colorado's overall rates and about $8 cheaper than the national average. State Farm offers the most affordable rates at around $99 per month, with GEICO and USAA also providing competitive options.
Yes, bundling your auto and home insurance typically saves 15-25% on premiums and simplifies claims if you experience multiple losses from the same event, like a hailstorm that damages both your car and roof. Local agents in Arvada can help you compare bundled rates across multiple carriers.
While not legally required, renters insurance is highly recommended and costs just $15-$30 per month. It covers your personal belongings, provides liability protection if someone is injured in your rental, and pays for temporary housing if your unit becomes uninhabitable due to covered damage like fire or water damage.
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