Freedom Insurance Group helps Severance households compare homeowners coverage without the hassle. Ask for a quote online or phone (800) 253-1482.
Homeowners insurance rates in Severance, CO
| Scenario | Market estimate | Freedom Insurance Group example (37% less) |
|---|---|---|
| Typical Severance home (~$493,800) | $4,156/yr | $2,618/yr |
| $300,000 dwelling | $3,266/yr | $2,058/yr |
| $600,000 dwelling | $4,595/yr | $2,895/yr |
| $1,000,000 dwelling | $5,980/yr | $3,767/yr |
The typical homeowners insurance premium in Severance, CO is about $4,156 annually for a typical local home (typical local home value about $493,800). For a $300,000 dwelling, expect around $3,266 per year; for a $600,000 home about $4,595; and for a $1,000,000 dwelling about $5,980. Freedom Insurance Group rates are often about 37% lower — near $2,618 per year for a typical home, roughly $2,058 for a $300,000 home, about $2,895 for a $600,000 home, and around $3,767 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $2,539 |
| $200,000 – $300,000 | $2,838 |
| $300,000 – $400,000 | $3,484 |
| $400,000 – $500,000 | $3,944 |
| $500,000 – $600,000 | $4,391 |
| $600,000 – $700,000 | $4,740 |
| $700,000 – $800,000 | $5,030 |
| $800,000 – $900,000 | $5,410 |
| $900,000 – $1,000,000 | $5,789 |
Band premiums are midpoints on the Severance dwelling curve (typical local home value about $493,800). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Severance, CO, using a typical local home value of about $493,800. Freedom figures apply an approximate 37% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
What drives home insurance prices in Severance
A homeowners quote in Severance is built from several related inputs that carriers check side by side. Rebuild cost, roof age and material, and local storm or wildfire exposure have the biggest effect, while deductible choice and claims history can swing the final premium as much as the carrier brand itself.
Rebuilding the home with similar materials at today’s labor and supply prices defines what replacement cost measures. Bigger rebuild figures for Severance 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, roofing material, and overall build quality shape how a property fares in the wind, hail, and fire events common across Colorado.
Location risk is why two comparable houses may not match on price: insurers grade storm, hail, wildfire, and crime exposure by ZIP code and neighborhood within Severance.
Fire protection plays in as well: a hydrant close by, quick fire-station response, and the local protection class can each help the price.
Claims history carries real weight: for Severance homes, a recent claim on the home or household often means higher rates for renewals and new business alike.
If state law permits, insurers may apply a credit-based insurance score, and a stronger score generally leads to lower premiums.
Severance, CO: what is distinctive here
Severance counts roughly 3,697 residents and sits in Weld County.
Severance lies within the Weld County area, where everyday insurance shopping is shaped more by the features of each home and carrier appetite than by any single landmark.
The housing stock is a mix of single-family homes typical of the Weld County area, and replacement cost, roof age, and construction type still account for most premium differences from one house to the next.
Front Range communities contend with hail, wind, and wildfire risk that can move premiums quickly after active storm seasons.
Savings opportunities for Severance, 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% |
Each carrier decides its own discounts and amounts. Read “up to” as the ceiling, not a guarantee.
How a homeowners policy is built
- Dwelling (A): When a covered loss hits, this limit pays to rebuild your home’s structure; make sure it tracks current local reconstruction costs.
- Other structures (Coverage B): Detached garages, sheds, fences, and similar buildings not attached to the home are protected by this part.
- Personal property (Coverage C): This coverage protects furniture, clothing, and everyday belongings inside the home, with special limits that apply to some higher-value categories.
- Loss of use (D): If a covered claim forces you out during repairs, this coverage helps with additional living expenses.
- Coverage E, personal liability: If you are legally responsible for someone else’s injury or property damage after a covered incident, this part responds.
- Coverage F, medical payments: This helps with guest medical bills for injuries that occur on your property, often without requiring a formal liability claim.
Severance, CO home & auto bundle savings
Illustrative average bundling savings, not a guaranteed quote. Actual savings come down to the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Severance, Colorado | $258 | $436 | $636 |
Areas of Severance
- Downtown
- Hunter’s Hill
- Lakeview
- Settlers Landing
- Tailholt
- Timber Ridge
- Baldridge
- Summit View
- Sunset Ridge
- Severance Reserve
- The Overlook
- Fox Ridge
- Hunters Crossing
- Severance Shores
- Hidden Valley
- Casa Loma
- Golden Eagle Acres
What public data says about Severance homes
Severance’s median year built is 2014. About 69% of homes went up in 2010 or later, and new-home and newer-roof credits come up often.
On tornadoes, NOAA recorded 2 tornadoes starting within 10 miles of Severance in 2016–2025, with the strongest at EF0 during April 2016.
Since 2000, Weld County has appeared in 5 major disaster declarations; the latest was Covid-19 Pandemic (March 2020).
The NOAA Storm Events Database logged 15 hail reports within about 5 miles of Severance from 2016 through 2025; 12 were one inch or bigger. Top size was 2 inches in June 2017 near Windsor.
In FEMA’s National Risk Index, Weld County rates above the low end for hail (“Relatively High”), tornado (“Relatively High”), winter-weather (“Relatively High”), and strong-wind (“Relatively High”).
For heat, Severance households mostly rely on utility gas (85%) and electricity (12%).
Census survey estimates (ACS 2020–2024) show about 3,426 housing units in Severance, and owner-occupants live in close to 92% of the occupied homes. Looking at building types, 97% are detached single-family houses.
Severance was founded in 1906 and incorporated on November 20, 1920. Census counts put Severance at 597 residents in 2000 and 3,165 in 2010, and the Census Bureau’s July 2024 estimate is 11,554. Growth since 2000 comes to roughly 1835%.
Older NOAA hail logs add more history: NOAA’s Storm Prediction Center counts 39 hail reports within 5 miles of Severance between 1955 and 2015; the biggest stones, 2.75 inches, fell on May 22, 2008. 2 of those reports were 2 inches or larger. The NOAA Storm Prediction Center database shows 35 tornadoes that began within 10 miles of Severance from 1950 through 2015, the strongest an F2 on May 30, 1957.
Comparing homes in nearby towns? Nearby home insurance pages: Windsor (3 mi), Timnath (6 mi), and Greeley (8 mi).
ZIP codes we serve in and around Severance
80546 · 80550
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Shop homeowners coverage in Severance, CO
Freedom Insurance Group shops 25+ carriers for Severance households. Request a free home quote online or phone (800) 253-1482.
