Compare, with Freedom Insurance Group, homeowners insurance quotes for Longmont, CO. We shop 25+ carriers and help you match coverage to the home or vehicles you actually own.
Average cost of home insurance in Longmont, CO
| Home value tier | Market est. | Freedom Insurance Group example |
|---|---|---|
| Typical local home (~$541,400) | $4,546 | $2,637 |
| $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 Longmont, CO is about $4,546 annually for a typical local home (typical local home value about $541,400). 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 $2,637 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 Longmont dwelling curve (typical local home value about $541,400). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Longmont, CO, using a typical local home value of about $541,400. 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.
A closer look at Longmont, CO
Longmont has roughly 92,088 residents, located in Weld County, part of Boulder County and the northern Front Range.
Longmont lies within Boulder County and the northern Front Range, where routine insurance shopping is driven more by home characteristics and carrier appetite than by any single landmark.
Local housing is a mix of single-family homes typical of Boulder County / northern Front Range; replacement cost, roof age, and construction type still drive most premium differences block by block.
Hail, wind, and wildfire risk can push premiums quickly in Front Range communities after busy storm years.
Premium drivers for homeowners in Longmont
A Longmont home insurance price comes from a set of related inputs that underwriters review together. Expect rebuild cost, roof age and material, and local storm or wildfire exposure to matter most. The deductible you pick and your claims record may move the final price about as much as the carrier brand.
Rebuilding the home with similar materials at today’s labor and supply prices defines what replacement cost means. Since the carrier’s largest possible payout climbs with the rebuild estimate, higher estimates for Longmont houses usually lift premiums.
Construction type and roof details play a role too: frame versus masonry walls, roofing material, and overall build quality shape how a property fares in the wind, hail, and fire events common across Colorado.
Location risk reflects storm, hail, wildfire, and crime scores that can change by ZIP code and neighborhood within Longmont, so two homes with similar rebuild costs can still get different prices.
Fire protection plays in as well: hydrant access, quick fire-station response, and the local protection class can each help the premium.
Insurers look at claims history carefully; fresh claims tied to the home or the people in it can push Longmont renewals and new quotes higher.
Credit-based insurance score, where permitted by state rules, is one more factor; better scores generally line up with cheaper premiums when the carrier uses that factor.
Homeowners discounts in Longmont, 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% |
Discounts and their size depend on the carrier. “Up to” marks the top of the range, not a promise.
Homeowners coverage basics
- Coverage A, dwelling: It pays to rebuild the structure of your home after a covered loss, and it should track what rebuilding costs locally right now.
- Coverage B, other structures: It covers detached features such as a garage, shed, fence, or similar buildings that stand separate from the main house.
- Personal property (Coverage C): Pays for belongings in the home: furniture, clothing, and everyday items. Higher-value categories can be subject to special limits.
- Loss of use (Coverage D): While a covered loss keeps you out of the home, this coverage helps with additional living expenses.
- Personal liability (Coverage E): It responds when you are legally responsible for bodily injury or property damage to others resulting from a covered incident.
- Medical payments (F): When a guest gets hurt on your property, this can pay medical bills, frequently with no formal liability claim.
Longmont, CO bundling home and auto
The figures below show average bundling savings, not a guaranteed quote. Actual savings depend on the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Longmont, Colorado | $258 | $436 | $636 |
Longmont neighborhoods
- Fox Run
- Summit View Estates
- Owl Lake Estates
- Sabbleback Heights
- Rinn Valley Ranch
- Country Meadows Farms
- Moore Farms
- No Name Creek
- The Farm
- Eagle Valley
- Raspberry Hill
- Mountain Shadows
- Oak Meadows
- Idaho Creek
Longmont homes by the numbers
Named places the USGS records in and around Longmont include Marnett, Dominion, and Morey. Each area can price differently because of construction era and roof condition.
The Census Bureau’s 2020–2024 American Community Survey counts about 43,528 housing units in Longmont, and owner-occupants live in about 62% of the occupied homes. By structure type, 59% are detached single-family houses and 29% are in buildings with two or more units.
Longmont’s median year built is 1991. Roughly 37% of homes were built before 1980, so system and roof updates can change eligibility and price.
Home heating in Longmont runs mainly on utility gas (74%) and electricity (23%).
From 2000 on, Boulder County has been part of 5 major disaster declarations; the latest was Wildfires and Straight-Line Winds (December 2021).
The National Risk Index from FEMA shows elevated ratings for hail (“Relatively High”), tornado (“Relatively High”), wildfire (“Relatively High”), and winter-weather (“Relatively High”) in Boulder County.
The NOAA Storm Events Database logged 43 hail reports within about 6 miles of Longmont from 2016 through 2025, 34 of them one inch or larger. Top size was 1.75 inches in May 2023 around Longmont.
By the historical record, Longmont was founded in 1871 and incorporated on November 15, 1885. Longmont’s population went from 71,093 at the 2000 Census to 86,270 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 99,818. That is growth of roughly 40% since 2000.
Going further back, the Storm Prediction Center lists 52 hail reports within 5 miles of Longmont between 1955 and 2015; the biggest stones, 2.75 inches, fell on May 25, 1962. 4 of those reports were 2 inches or larger. NOAA Storm Prediction Center records list 11 tornadoes that began within 10 miles of Longmont from 1950 through 2015, the strongest an EF3 on June 4, 2015.
Looking at neighboring communities? See our home insurance pages for Niwot (6 mi), Mead (7 mi), and Frederick (8 mi).
ZIP codes we insure in and around Longmont
80501 · 80502 · 80503 · 80504
Keep exploring Colorado insurance resources
Quote homeowners coverage for Longmont, CO
For Longmont residents, Freedom Insurance Group compares 25+ carriers. Call (800) 253-1482 or begin a free home quote online.
