Homeowners quotes from 25+ companies, side by side, in Cherry Hills Village, CO, from Freedom Insurance Group.
Cherry Hills Village, CO: local context
Cherry Hills Village is home to about 6,539 residents in Colorado.
Cherry Hills Village lies within Colorado, where routine insurance shopping is shaped more by home characteristics and carrier appetite than by any single landmark.
Homes are mostly single-family properties like those across Colorado; replacement cost, roof age, and construction type still drive most premium differences from street to street.
Hail, wind, and wildfire can move premiums quickly in Front Range communities after active storm seasons.
Homeowners pricing in Cherry Hills Village, CO
The typical homeowners insurance premium in Cherry Hills Village, CO is about $6,936 annually for a typical local home (typical local home value about $2,000,001). For a $300,000 dwelling, expect around $3,479 per year; for a $600,000 home about $4,895; and for a $1,000,000 dwelling about $6,370. Freedom Insurance Group rates are often about 39% lower — near $4,231 per year for a typical home, roughly $2,122 for a $300,000 home, about $2,986 for a $600,000 home, and around $3,886 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $2,705 |
| $200,000 – $300,000 | $3,023 |
| $300,000 – $400,000 | $3,712 |
| $400,000 – $500,000 | $4,202 |
| $500,000 – $600,000 | $4,677 |
| $600,000 – $700,000 | $5,049 |
| $700,000 – $800,000 | $5,358 |
| $800,000 – $900,000 | $5,762 |
| $900,000 – $1,000,000 | $6,167 |
Band premiums are midpoints on the Cherry Hills Village dwelling curve (typical local home value about $2,000,001). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Cherry Hills Village, CO, using a typical local home value of about $2,000,001. Freedom figures apply an approximate 39% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
Home insurance coverage basics
- Dwelling (A): The limit that rebuilds the house after a covered loss. It should keep pace with reconstruction costs in your area.
- Coverage B, other structures: Sheds, fences, detached garages, and the like not attached to the home are covered here.
- Personal property (Coverage C): This covers furniture, clothing, and everyday belongings inside the home, with special limits that may apply to higher-value categories.
- Loss of use (Coverage D): While a covered loss keeps you out of the home, it can cover additional living expenses.
- Coverage E, personal liability: It responds when you are legally responsible for harm to other people or their property arising from a covered incident.
- Medical payments (F): If a visitor is injured at your home, it helps with their medical bills, frequently with no formal liability claim.
Ways to cut the premium in Cherry Hills Village, CO
| 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% |
Each carrier sets its own discount menu and sizes. “Up to” is the high end, not a guaranteed amount.
Home insurance price factors in Cherry Hills Village
Cherry Hills Village homeowners are priced on several interlocking factors that underwriters check when they build a quote. Most of the price comes from rebuild cost, roof age and material, and local storm or wildfire exposure; your deductible and claims record can swing the final premium as much as the carrier brand itself.
Consider replacement cost as what rebuilding would cost the home using similar materials at present-day prices. What the insurer might pay tracks the rebuild estimate, which is why bigger estimates on Cherry Hills Village homes tend to mean higher premiums.
Whether walls are frame or masonry, the roofing material, and how well the house is built all influence how the home holds up against Colorado’s wind, hail, and fire events, which is why construction type and roof details count.
Location risk rolls up storm, hail, wildfire, and crime scores that can vary by ZIP code and neighborhood within Cherry Hills Village, so two homes with similar rebuild costs might still quote differently.
Underwriters grade fire protection using the local protection class plus the distance to hydrants and stations; better protection usually means a more competitive price.
Claims history remains a major rating input: recent claims on the property or household often increase rates for Cherry Hills Village renewals and new business quotes as well.
Credit-based insurance score is a lever too where it is permitted: carriers that use it tend to price lower for stronger scores.
Cherry Hills Village, CO bundling home and auto
These are illustrated averages for bundling, not a promise. Actual savings come down to the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Cherry Hills Village, Colorado | $258 | $436 | $636 |
Cherry Hills Village neighborhoods
- Cherry Hills East
- Belmont Heights
- Wellshire
- Cherry Ridge
- Dream House Acres
- Cherryridge
- Glenmoor
- cherrydale
- Cherry Hills Farm
- South Albion
- Cherry Point
- Kent Place Residences
- Bellview Village
- Greenwood Pines
- Southmoor Vista
- Greenwood Acres
- The District at Hampden South
- Cherry Hills III
- Green Oaks
Cherry Hills Village housing stock and storm history
Census survey estimates (ACS 2020–2024) show about 2,381 housing units in Cherry Hills Village, and owner-occupants live in roughly 97% of the occupied homes. By structure type, 98% are detached single-family houses.
FEMA’s National Risk Index flags hail (“Very High”), tornado (“Relatively High”), winter-weather (“Relatively High”), and strong-wind (“Relatively High”) in Arapahoe County.
Home heating in Cherry Hills Village runs mainly on utility gas (83%) and electricity (15%).
NOAA storm records show 47 hail reports within about 5 miles of Cherry Hills Village from 2016 through 2025; 39 were one inch or bigger. Top size measured 3 inches in June 2018 near Englewood.
From 2000 on, Arapahoe County has appeared in 4 major disaster declarations; the most recent was Severe Storms, Flooding, and Tornadoes (August 2023).
Cherry Hills Village’s median year built is 1978. About 53% of homes were built before 1980, which means electrical, plumbing, and roof upgrades often come up in underwriting.
Tornado history matters here as well: NOAA lists 2 tornadoes touching down within 10 miles of Cherry Hills Village between 2016 and 2025, the strongest rated EF1 in June 2023.
The USGS GNIS lists these named communities and subdivisions in and around Cherry Hills Village: Devonsire Heights, Cherry Ridge, Greenwood Village, and University Hills. Rates can still differ from one section to the next because of construction era and roof condition.
The Census Bureau counted 5,958 people in Cherry Hills Village at the 2000 Census and 5,987 at the 2010 Census; its July 2024 estimate is 6,349. The population has stayed fairly steady since 2000.
Older NOAA hail logs add more history: the Storm Prediction Center lists 137 hail reports within 5 miles of Cherry Hills Village between 1955 and 2015, the largest 2.75 inches on May 15, 1991. Reports of 2-inch or bigger hail number 5 in that span. The NOAA Storm Prediction Center database shows 35 tornadoes that began within 10 miles of Cherry Hills Village from 1950 through 2015; the most powerful, rated F3, touched down on June 15, 1988.
Looking at neighboring communities? Nearby home insurance pages: Greenwood Village (2 mi), Englewood (3 mi), and Sheridan (4 mi).
ZIP codes we serve in and around Cherry Hills Village
80111 · 80113 · 80121
