ASAP Insurance & Taxes
6105 E 72nd Ave, Unit B, Commerce City, CO 80022
View this agency's profile to learn more about their services.
City directory
Commerce City households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
6105 E 72nd Ave, Unit B, Commerce City, CO 80022
View this agency's profile to learn more about their services.
6990 E 72nd Ave, Commerce City, CO 80022
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Commerce City residents.
Commerce City home insurance averages $1,200-$2,000/year. Learn about hail risk, coverage options, and how to save on rates in this growing Denver suburb.
Car InsuranceEverything Commerce City drivers need to know about Colorado auto insurance: at-fault rules, 25/50/15 minimums, hail protection, and coverage for I-76 commuters.
General Insurance EducationCommerce City insurance averages $1,460/year for home and $155/month for auto. Learn about hail coverage, flood risks, and discounts in Adams County.
Home insurance in Commerce City typically costs between $1,200 and $2,000 per year, though exact rates depend on your home's value, age, location, and coverage limits. Colorado's average is around $4,075 annually for a standard home with $250,000 in dwelling coverage, and Commerce City homes with higher values often fall on the upper end of that range. Shopping around among multiple insurers can help you find the best rate for your situation.
Yes, standard homeowners insurance in Commerce City covers hail damage to your dwelling, roof, siding, and other structures. However, many Colorado insurers require a separate wind/hail deductible, often calculated as 1% to 5% of your dwelling coverage rather than a flat dollar amount. Make sure you understand your deductible before you need to file a claim, as it can significantly impact your out-of-pocket costs after a storm.
Hail risk is the primary driver—60% to 70% of your premium goes toward covering hail damage, even if your neighborhood hasn't been hit recently. Colorado ranked second nationally for hail loss claims between 2017 and 2019, with over 380,000 claims filed. Adams County, where Commerce City is located, has seen a 21% increase in insurance premiums since 2020 due to this elevated weather risk.
Yes, many insurers offer new home discounts for recently built properties, typically within the first 5 to 10 years of construction. Additionally, if your new home has impact-resistant Class 4 roofing, you may qualify for an additional 10% or more discount. Bundling your home and auto insurance, installing security systems, and maintaining a claims-free record can also reduce your premium.
It depends on your location. Standard home insurance doesn't cover flood damage, but Commerce City has areas near waterways and industrial zones that may be at risk. Even if you're not in a high-risk flood zone, a National Flood Insurance Program policy is relatively affordable and worth considering given Colorado's unpredictable weather patterns. Check FEMA's flood maps or talk to your insurance agent to assess your risk.
Replacement cost coverage pays to rebuild your home or replace your belongings at today's prices without deducting for depreciation. Actual cash value pays you what your damaged property was worth after accounting for age and wear. For example, if hail destroys your ten-year-old roof, actual cash value might only cover half the cost of a new roof, while replacement cost covers the full replacement. Always choose replacement cost for better protection.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network