Freedom Insurance Group serves Foxfield, CO with side-by-side homeowners quotes from 25+ companies.
Foxfield, CO: local context
Foxfield is a smaller place with roughly 760 residents in Colorado.
In a smaller Colorado community such as Foxfield, the insurance picture centers on local construction, access to fire protection, and regional storm patterns more than any big-city headline.
Homes are mostly single-family properties like those across Colorado; rebuild cost, roof age, and construction still drive most premium differences block by block.
Front Range communities contend with hail, wind, and wildfire risk that can move premiums quickly after active storm seasons.
Homeowners pricing in Foxfield, CO
The typical homeowners insurance premium in Foxfield, 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 41% lower — near $2,090 per year for a typical home, roughly $1,843 for a $300,000 home, about $2,594 for a $600,000 home, and around $3,375 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 Foxfield dwelling curve (typical local home value about $400,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Foxfield, CO, using a typical local home value of about $400,000. Freedom figures apply an approximate 41% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
How a homeowners policy is built
- Dwelling (A): After a covered loss, this limit rebuilds your home’s structure; set it to match today’s local rebuild costs.
- Other structures (B): This handles structures not attached to the home, such as a garage, shed, or fence.
- Coverage C, personal property: Protects what is inside the house: furniture, clothing, and everyday items. Higher-value categories often carry sublimits.
- Coverage D, loss of use: It can help pay additional living expenses when a covered claim makes the home uninhabitable for a time during repairs.
- Coverage E, personal liability: This coverage responds when you are legally responsible for bodily injury or property damage to others caused by a covered incident.
- Coverage F, medical payments: When a guest gets hurt on your property, it helps with their medical bills, frequently with no formal liability claim.
Homeowners discounts in Foxfield, 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% |
Not every carrier offers every discount, and the amounts vary. “Up to” marks the top of the range, not a promise.
Premium drivers for homeowners in Foxfield
Foxfield homeowners are priced on several connected factors that underwriters weigh when they build a quote. Deductible choice and past claims can move the final premium as much as the carrier brand itself, but rebuild cost, roof age and material, and storm or wildfire exposure typically matter most.
Replacement cost is a straightforward idea: what would it cost to rebuild the house today, using comparable materials, at today’s prices for labor and materials? Bigger rebuild figures for Foxfield properties tend to raise premiums because the carrier’s maximum payout increases with that figure.
Construction type and roof details also matter: frame versus masonry walls, the roof covering, and overall build quality all affect how a property performs in wind, hail, and fire common across Colorado.
Location risk is the reason two comparable houses may not match on price: carriers score storm, hail, wildfire, and crime risk down to ZIP code and neighborhood in Foxfield.
Fire protection plays in as well: a hydrant close by, quick fire-station response, and the local protection class may all help the premium.
Carriers check claims history closely; a recent loss tied to the home or the people in it can push Foxfield renewals and new quotes higher.
Many insurers factor in a credit-based insurance score where permitted; the stronger the score, the lower the premium tends to be.
Bundling home and auto in Foxfield, CO
Average bundle savings, illustrated, not a quote. Actual savings vary with the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Foxfield, Colorado | $258 | $436 | $636 |
Neighborhoods around Foxfield
- Chapparal
- Cherry Creek East
- Piney Creek
- The Colony at Cherry Creek
- Creekview
- IMT Cornerstar Ranch
- The Landing at Cherry Creek
- Homestead at The Farm
- Caliber at Cornerstar
- Highridge at The Farm
- Chenango
- The Farm at Arapahoe County
- Courtney Downs
- Kragelund Acres
- Cityscapes at Southcreek
- Reserve at South Creek
- Estancia
- Ladera
- Southcreek
What public data says about Foxfield homes
FEMA’s National Risk Index flags hail (“Very High”), tornado (“Relatively High”), winter-weather (“Relatively High”), and strong-wind (“Relatively High”) in Arapahoe County.
From 2000 on, Arapahoe County has appeared in 4 major disaster declarations; the latest is Severe Storms, Flooding, and Tornadoes (August 2023).
Named places the USGS records in and around Foxfield include Chapparal, Cherry Creek East, Piney Creek Ranches, and Cottonwood. Rates can still differ from one section to the next based on build era, roof, and fire protection.
Census survey estimates (ACS 2020–2024) show about 257 housing units in Foxfield, and owners occupy about 99% of the occupied homes. Of all units, 98% are detached single-family houses.
Half of Foxfield’s homes were built in or before 1982. Roughly 44% of homes were built before 1980, which means system and roof updates are worth documenting for a quote.
The NOAA Storm Events Database logged 50 hail reports within about 5 miles of Foxfield from 2016 through 2025; 40 were one inch or bigger. The largest was 2.75 inches in June 2018.
Tornado history matters here as well: NOAA logged 3 tornadoes starting within 10 miles of Foxfield between 2016 and 2025, the most intense an EF2 in May 2025.
For heat, Foxfield households mostly rely on utility gas (88%) and electricity (12%).
Foxfield’s population went from 746 at the 2000 Census to 685 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 744. Numbers have held fairly steady since 2000.
Earlier hail records help too: NOAA’s Storm Prediction Center counts 131 hail reports within 5 miles of Foxfield between 1955 and 2015, the largest 3 inches on June 7, 2009. 10 of those reports were 2 inches or larger. The NOAA Storm Prediction Center database shows 50 tornadoes that began within 10 miles of Foxfield from 1950 through 2015, the strongest an F2 on May 17, 1978.
Shopping around the area? We also have home insurance pages for Dove Valley (3 mi), Stonegate (4 mi), and Centennial (4 mi).
Foxfield-area ZIP codes we insure
80015 · 80016 · 80013 · 80111
