Compare homeowners insurance quotes in Firestone, CO with Freedom Insurance Group. We compare 25+ carriers and help you match coverage to the home or vehicles you actually own.
Average homeowners insurance cost in Firestone, CO
| Home value tier | Market est. | Freedom Insurance Group example |
|---|---|---|
| Typical local home (~$511,800) | $4,418 | $2,562 |
| $300,000 dwelling | $3,408 | $1,977 |
| $600,000 dwelling | $4,795 | $2,781 |
| $1,000,000 dwelling | $6,240 | $3,619 |
The typical homeowners insurance premium in Firestone, CO is about $4,418 annually for a typical local home (typical local home value about $511,800). For a $300,000 dwelling, expect around $3,408 per year; for a $600,000 home about $4,795; and for a $1,000,000 dwelling about $6,240. Freedom Insurance Group rates are often about 42% lower — near $2,562 per year for a typical home, roughly $1,977 for a $300,000 home, about $2,781 for a $600,000 home, and around $3,619 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $2,650 |
| $200,000 – $300,000 | $2,962 |
| $300,000 – $400,000 | $3,636 |
| $400,000 – $500,000 | $4,116 |
| $500,000 – $600,000 | $4,582 |
| $600,000 – $700,000 | $4,946 |
| $700,000 – $800,000 | $5,249 |
| $800,000 – $900,000 | $5,645 |
| $900,000 – $1,000,000 | $6,041 |
Band premiums are midpoints on the Firestone dwelling curve (typical local home value about $511,800). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Firestone, CO, using a typical local home value of about $511,800. 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.
Firestone, CO: local context
Firestone has about 11,999 residents and lies within Weld County.
Firestone is part of the Weld County area, and there day-to-day insurance shopping is driven more by home characteristics and carrier appetite than by any single landmark.
Homes are mostly single-family properties typical of the Weld County area; 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.
Why Firestone home insurance premiums differ
Firestone homeowners are priced on several interlocking factors that underwriters check when they build a quote. Deductible choice and past claims can move the final premium as much as the carrier brand itself, while rebuild cost, the roof’s age and material, and local storm or wildfire risk usually move the number most.
Rebuilding the home in comparable materials at current labor and material costs is what replacement cost measures. The carrier’s exposure tracks the rebuild estimate, so larger Firestone rebuild numbers generally mean bigger premiums.
Construction type and roof details round out the list: carriers want to know frame versus masonry construction, what covers the roof, and the overall build quality, because these factors decide how it fares in the wind, hail, and fire seen across Colorado.
Location risk reflects storm, hail, wildfire, and crime scores that can differ by ZIP code and neighborhood within Firestone, so two homes with similar rebuild costs might still quote differently.
Fire protection plays in as well: hydrant access, a close fire station, and a good protection class rating can each help pricing.
Claims history still matters a lot: for Firestone homes, recent household or property claims can raise the premium at renewal and on new quotes.
Some carriers look at a credit-based insurance score where the state allows; the stronger the score, the lower the premium tends to be.
Ways to cut the premium in Firestone, 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% |
Discount availability and amounts differ from carrier to carrier. Read “up to” as the top end, not what everyone gets.
Homeowners coverage basics
- Dwelling (A): This is the limit that pays to rebuild your home’s structure after a covered loss, and it should track what rebuilding costs locally right now.
- Other structures (Coverage B): It covers detached features such as a garage, shed, fence, or similar buildings that stand separate from the main house.
- Personal property (C): This covers furniture, clothing, and everyday belongings inside the home, with special limits that can apply to higher-value categories.
- Loss of use (D): When repairs after a covered claim make the house unlivable, this helps pay added costs like a rental or hotel.
- Personal liability (Coverage E): Coverage for times when the law holds you responsible for injuries to others or damage to their property from a covered incident.
- Coverage F, medical payments: It can help pay guest medical bills for injuries that happen on your property, often without requiring a formal liability claim.
Firestone, CO bundling home and auto
These show average bundling savings, not a quote. Actual savings come down to carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Firestone, Colorado | $258 | $436 | $636 |
What public data says about Firestone homes
The NOAA Storm Events Database logged 51 hail reports within about 5 miles of Firestone from 2016 through 2025; 40 were one inch or bigger. The largest was 2.5 inches in June 2018 around Frederick.
ACS 2020–2024 estimates put about 6,520 housing units in Firestone, and owner-occupants live in close to 81% of the occupied homes. Looking at building types, 76% are detached single-family houses, 12% are in buildings with two or more units, and 8.8% are mobile homes.
Half of Firestone’s homes were built in or before 2009. Roughly 44% of homes were built in 2010 or later, and discounts for newer construction are often in play.
Since 2000, Weld County has been part of 5 major disaster declarations; the most recent is Covid-19 Pandemic (March 2020).
Home heating in Firestone runs mainly on utility gas (82%) and electricity (16%).
The National Risk Index from FEMA shows elevated ratings for hail (“Relatively High”), tornado (“Relatively High”), winter-weather (“Relatively High”), and strong-wind (“Relatively High”) in Weld County.
Tornadoes are part of the picture too: NOAA recorded 2 tornadoes touching down within 10 miles of Firestone over 2016–2025, the strongest rated EF2 during June 2021.
Census counts put Firestone at 1,908 residents in 2000 and 10,147 in 2010, and the Census Bureau’s July 2024 estimate is 19,396. Growth since 2000 comes to roughly 917%.
Earlier hail records help too: SPC data show 9 hail reports within 5 miles of Firestone between 1955 and 2015; the biggest stones, 1.5 inches, fell on June 4, 1983. Federal tornado records from NOAA’s Storm Prediction Center list 44 tornadoes that began within 10 miles of Firestone from 1950 through 2015; the most powerful, rated EF3, touched down on June 4, 2015.
Comparing homes in nearby towns? We also have home insurance pages for Frederick (4 mi), Mead (5 mi), and Dacono (6 mi).
ZIP codes we insure in and around Firestone
80504 · 80520 · 80530
Keep exploring Colorado coverage options
Request home insurance quotes for Firestone, CO
Freedom Insurance Group compares 25+ carriers on behalf of Firestone homeowners. To get started, begin a home quote on our site or call (800) 253-1482.
