Apex Insurance
9457 South University Boulevard, Suite 305, Highlands Ranch, CO 80126
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9457 South University Boulevard, Suite 305, Highlands Ranch, CO 80126
View this agency's profile to learn more about their services.
1745 Shea Center Dr, Ste 400, Highlands Ranch, CO 80129
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9457 South University Boulevard, #338, Highlands Ranch, CO 80126
View this agency's profile to learn more about their services.
1745 Shea Center Dr, Suite 400, Highlands Ranch, CO 80129
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Highlands Ranch residents.
Highlands Ranch home insurance costs $777-$1,511/year. Learn about hail risk in Colorado's Hail Alley, coverage options, and discounts for this Denver suburb.
Car InsuranceHighlands Ranch auto insurance guide: Colorado's 25/50/15 minimums, at-fault rules, C-470 risks & Douglas County rates. Get adequate coverage for 2026.
Home insurance in Highlands Ranch typically costs between $777 and $1,511 annually, or about $65 to $125 per month. This is lower than Colorado's state average of around $4,600 per year. Your specific rate depends on your home's value, age, construction materials, deductible amount, claims history, and credit score. Shopping around can save you up to $366 per year.
Yes, standard homeowners insurance policies cover hail damage to your home's structure and roof. However, you want replacement cost coverage, not actual cash value, which depreciates over time. Given that Highlands Ranch is in 'Hail Alley' with neighboring Arapahoe County ranking #1 nationally for hail risk, comprehensive coverage and documenting your roof's condition are essential.
Absolutely. Class 4 impact-resistant roofing can withstand hail up to 2 inches in diameter and often qualifies you for premium discounts of 10% to 30%. Given the area's extreme hail risk—with Doppler detecting hail 97 times in the past year—impact-resistant roofing provides both financial savings and real protection for your investment.
Standard policies exclude flood damage, earthquake damage, and routine maintenance issues. While floods aren't a major concern in most of Highlands Ranch, you'll need separate flood insurance if you're near waterways or in a designated flood zone. Coverage also excludes wear and tear, mold from neglect, and damage from pests or animals.
While most policies come with $100,000 to $300,000 in liability coverage, given Highlands Ranch's median home values around $695,000 and household incomes around $155,000, you should consider $500,000 to $1 million in liability limits. Many homeowners add an umbrella policy for an extra layer of protection at relatively low cost.
Yes, you need an HO-6 condo or townhome policy even though your HOA has a master policy. The HOA policy typically covers building exteriors and common areas, but you're responsible for insuring your unit's interior, personal belongings, liability, and any improvements or upgrades you've made to your unit.
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