Independent agents comparing homeowners quotes from 25+ carriers for Bennett residents.
Home insurance prices in Bennett
The typical homeowners insurance premium in Bennett, CO is about $3,542 annually for a typical local home (typical local home value about $400,000). For a $300,000 dwelling, expect around $3,124 per year; for a $600,000 home about $4,396; and for a $1,000,000 dwelling about $5,720. Freedom Insurance Group rates are often about 42% lower — near $2,054 per year for a typical home, roughly $1,812 for a $300,000 home, about $2,550 for a $600,000 home, and around $3,318 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $2,429 |
| $200,000 – $300,000 | $2,715 |
| $300,000 – $400,000 | $3,333 |
| $400,000 – $500,000 | $3,773 |
| $500,000 – $600,000 | $4,200 |
| $600,000 – $700,000 | $4,534 |
| $700,000 – $800,000 | $4,811 |
| $800,000 – $900,000 | $5,174 |
| $900,000 – $1,000,000 | $5,537 |
Band premiums are midpoints on the Bennett dwelling curve (typical local home value about $400,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Bennett, CO, using a typical local home value of about $400,000. Freedom figures apply an approximate 42% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
Getting to know Bennett, CO
Roughly 2,484 people live in Bennett and lies within Adams County.
In a smaller Colorado community such as Bennett, insurance comes down to local construction, fire protection access, and regional storm patterns more than any big-city headline.
Housing here is largely single-family homes typical of the Adams County area, but replacement cost, roof age, and construction type still explain most premium differences from street to street.
Front Range communities contend with hail, wind, and wildfire risk that can move premiums quickly after active storm seasons.
The six parts of a home policy
When a covered loss hits, this limit covers rebuilding your home’s structure; make sure it tracks today’s local rebuild costs.
Sheds, fences, detached garages, and the like not attached to the home are protected by this part.
Furniture, clothing, and the other things you own indoors fall under this coverage, but special limits can cap higher-value categories.
If a covered claim forces you out during repairs, this coverage helps with additional living expenses.
If you are legally responsible for bodily injury or property damage to others in a covered incident, it applies.
This helps with guest medical bills for injuries that happen on your property, often without needing a formal liability claim.
Savings opportunities for Bennett, CO homeowners
| Discount | What it means | Typical amount |
|---|---|---|
| New Home | New construction recently purchased | up to 40% |
| Age of home (5 yrs) | Newer homes | up to 26% |
| Bundle | Home and auto together | up to 25% |
| Upgrades | Electrical, plumbing, heating, roof updates | up to 20% |
| Hail-resistant roof | Class 1–4 impact roof | up to 12% |
| Claims-free | Multi-year claims-free history | up to 5% |
| Security / alarms | Monitored fire or burglar alarm | up to 4% |
| Paid in full | Pay annual premium upfront | up to 7% |
Discounts and their size vary by carrier. Treat “up to” as the top end, not a guarantee.
Premium drivers for homeowners in Bennett
Carriers price a Bennett home quote from several connected factors that work together. The deductible you choose and your claims history can change the final price as much as the carrier brand itself, while rebuild cost, roof age and material, and storm or wildfire exposure typically matter most.
Consider replacement cost as what rebuilding would cost the house with comparable materials at today’s labor and material prices. Bigger rebuild figures for Bennett properties generally raise premiums because the carrier’s maximum payout grows with that figure.
Construction type and roof details count as well: frame versus masonry walls, roof covering, and overall build quality all influence how a property holds up in wind, hail, and fire common across Colorado.
Location risk rolls up storm, hail, wildfire, and crime scores that can vary by ZIP code and neighborhood within Bennett, so two homes with similar rebuild costs might still quote differently.
A solid fire protection profile based on the protection class and nearby hydrants and stations tends to make a quote more competitive.
Claims history is still a major rating input: recent claims on the property or household often increase rates for Bennett renewals and new business quotes alike.
If state law permits, insurers may apply a credit-based insurance score, and a stronger score usually means a lower premium.
Home-and-auto bundles in Bennett, CO
Illustrative average bundling savings, not guaranteed. Actual savings come down to carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Bennett, Colorado | $258 | $436 | $636 |
Bennett neighborhoods
- Bennett Crossing
- Cordella
- Skyview
- Antelope Hills
- Strasburg Trails
- Bennett Village
- Prospect Ridge
Local housing and storm data: Bennett
Bennett’s median year built is 2000. Roughly 28% of homes were built in 2010 or later, so discounts for newer construction are often in play.
For heat, Bennett households mostly rely on utility gas (77%), electricity (18%), and propane or other bottled gas (5.4%). Propane tanks and wood stoves should be disclosed when you apply, since they can affect eligibility.
The National Risk Index from FEMA shows elevated ratings for hail (“Very High”), tornado (“Relatively High”), winter-weather (“Very High”), and strong-wind (“Relatively High”) in Adams County.
NOAA’s Storm Events Database lists 14 hail reports within about 5 miles of Bennett from 2016 through 2025; 13 were one inch or bigger. Top size was 2 inches in June 2023 near Bennett.
The Census Bureau’s 2020–2024 American Community Survey counts about 1,157 housing units in Bennett, and owners occupy about 88% of the occupied homes. By structure type, 84% are detached single-family houses and 10% are mobile homes.
From 2000 on, Adams County has been part of 4 major disaster declarations; the latest is Covid-19 Pandemic (March 2020).
Tornadoes are part of the picture too: NOAA lists 8 tornadoes starting within 10 miles of Bennett over 2016–2025, the strongest rated EF2 in May 2025.
Bennett traces its official start to 1930. The Census Bureau counted 2,021 people in Bennett at the 2000 Census and 2,308 at the 2010 Census; its July 2024 estimate is 3,916. Growth since 2000 comes to roughly 94%.
Earlier hail records help too: SPC data show 47 hail reports within 5 miles of Bennett between 1955 and 2015, topped by hail of 1.75 inches on June 12, 1983. The NOAA Storm Prediction Center database shows 78 tornadoes that began within 10 miles of Bennett from 1950 through 2015; the strongest was an F3 on June 12, 1982.
Comparing homes in nearby towns? Nearby home insurance pages: Aurora (16 mi), Commerce (22 mi), and Foxfield (22 mi).
Where we write coverage around Bennett
80102 · 80041 · 80044 · 80046 · 80047
Browse Colorado coverage guides
Bennett, CO homeowners quotes
Bennett residents get quotes from 25+ carriers through Freedom Insurance Group. Ready when you are: start a free home quote on our site or dial (800) 253-1482.
