Homeowners need insurance to protect their assets. Accidents can happen at any time, and the purpose of insurance is to cover everything on their property from being lost. An HO-3 premium is meant for private homeowners. It covers basic property insurance in a separate, private home.
Alamosa, Colorado Homeowners Insurance
The average cost of HO-3 insurance in Alamosa, Colorado is $1,233.78. This type of premium is high, especially for lower-income homeowners. There are ways to save, however. Opting for a cheaper premium may be the better way to go, especially if the new premium still covers all of your assets.
Check out some below-average rates for homeowners insurance:
- Acuity – $,1043
- IDS – $913
- QBE Insurance – $835
- Encompass – $681
- ANPAC – $620
List of Companies & Rates for HO-3 Coverage in Alamosa, CO
| Company | Annual Premium | |||||
|---|---|---|---|---|---|---|
| American Reliable | $430 | |||||
| Grange Insurance | $431 | |||||
| Economy Premier | $518 | |||||
| United Fire | $534 | |||||
| Alliance | $578 | |||||
| ANPAC | $620 | |||||
| AIG | $644 | |||||
| 360 | $680 | |||||
| Encompass | $681 | |||||
| Farmers | $696 | |||||
| ANGIC | $714 | |||||
| Metropolitan Property | $782 | |||||
| Horace Mann | $792 | |||||
| Colorado Farm Bureau | $820 | |||||
| QBE Insurance | $835 | |||||
| Metropolitan Direct | $837 | |||||
| American Strategic | $844 | |||||
| Shelter | $872 | |||||
| Safeco | $878 | |||||
| Horace Mann Property | $913 | |||||
| IDS | $913 | |||||
| Armed Forces | $951 | |||||
| Praetorian | $960 | |||||
| Pharmacists Mutual | $983 | |||||
| Teachers Insurance | $1,006 | |||||
| Stillwater | $1,017 | |||||
| Mountain Valley | $1,018 | |||||
| Acuity | $1,043 | |||||
| SECURA Supreme | $1,043 | |||||
| American Security | $1,112 | |||||
| American Family | $1,139 | |||||
| Esurance | $1,155 | |||||
| Trumbull | $1,171 | |||||
| SECURA | $1,184 | |||||
| Hartford Fire | $1,214 | |||||
| California Casualty | $1,225 | |||||
| Twin City Fire | $1,254 | |||||
| Hartford Accident | $1,268 | |||||
| National Farmers | $1,279 | |||||
| COUNTRY | $1,348 | |||||
| Homesite | $1,427 | |||||
| Great Northern | $1,469 | |||||
| USAA | $1,478 | |||||
| Farmers Insurance Exchange | $1,520 | |||||
| State Farm | $1,531 | |||||
| National Casualty | $1,538 | |||||
| Amica | $1,540 | |||||
| Vigilant | $1,545 | |||||
| Foremost Grand Rapids, Michigan | $1,589 | |||||
| The Cincinnati | $1,619 | |||||
| Federal | $1,624 | |||||
| Pacific | $1,624 | |||||
| United Services | $1,646 | |||||
| CENTRAL | $1,676 | |||||
| CSAA | $1,686 | |||||
| USAA General | $1,706 | |||||
| Garrison | $1,724 | |||||
| Standard Guaranty | $1,814 | |||||
| Electric Insurance | $1,923 | |||||
| Allstate | $1,939 | |||||
| Liberty | $2,045 | |||||
| LM Insurance | $2,152 | |||||
| Owners Insurance | $2,575 | |||||
| Auto-Owners | $3,190 | |||||
| Average | $1233.78 |
Alamosa Condo Insurance
Even if they share a property with other people, homeowners still need protection. If anything, sharing a condominium or duplex with other homeowners increases the chance of an accident. A fire starting in your neighbor’s home may equal fire in your own home. This is important to remember before opting for premiums that do not cover your assets.
For HO-6 insurance, you are looking at an average of $422.19. This type of rate is cheaper for homeowners, but there are plenty of other affordable options. Make sure that the HO-6 premium covers the cost of your assets, and go for the cheapest premium possible.
Take a look at some cheaper HO-6 premium rates here:
- Trumbull Insurance – $341
- State Farm – $262
- 360 Insurance – $173
- Economy Premier – $161
List of Companies & Rates for HO-6 Coverage in Alamosa, CO
| Company | Annual Premium | |||||
|---|---|---|---|---|---|---|
| SECURA Supreme | $95 | |||||
| SECURA | $127 | |||||
| Economy Premier | $161 | |||||
| 360 | $173 | |||||
| Allstate | $182 | |||||
| Metropolitan Property | $197 | |||||
| ANPAC | $202 | |||||
| Mountain Valley | $215 | |||||
| Metropolitan Direct | $225 | |||||
| ANGIC | $228 | |||||
| United Fire | $228 | |||||
| Colorado Farm Bureau | $239 | |||||
| Grange Insurance | $243 | |||||
| COUNTRY Mutual | $245 | |||||
| National Farmers | $245 | |||||
| Farmers Insurance Exchange | $252 | |||||
| California Casualty | $261 | |||||
| State Farm | $262 | |||||
| Encompass | $274 | |||||
| Acuity | $293 | |||||
| Horace Mann | $305 | |||||
| Foremost Grand Rapids, Michigan | $310 | |||||
| Shelter | $318 | |||||
| Safeco | $327 | |||||
| Trumbull | $341 | |||||
| Farmers | $345 | |||||
| Hartford Fire | $349 | |||||
| CENTRAL | $352 | |||||
| American Strategic | $360 | |||||
| Hartford Accident | $363 | |||||
| Twin City Fire | $364 | |||||
| Electric Insurance | $381 | |||||
| American Family | $397 | |||||
| Armed Forces | $449 | |||||
| Great Northern | $449 | |||||
| National Casualty | $457 | |||||
| Auto-Owners | $459 | |||||
| Owners Insurance | $459 | |||||
| Vigilant | $470 | |||||
| Teachers Insurance | $474 | |||||
| Federal | $493 | |||||
| Pacific | $493 | |||||
| USAA General | $515 | |||||
| CSAA | $532 | |||||
| Amica | $553 | |||||
| Liberty | $602 | |||||
| LM Insurance | $633 | |||||
| Stillwater | $649 | |||||
| Homesite | $672 | |||||
| AIG | $681 | |||||
| Praetorian | $749 | |||||
| USAA | $779 | |||||
| United Services | $797 | |||||
| The Cincinnati | $801 | |||||
| Garrison | $834 | |||||
| IDS | $836 | |||||
| Pharmacists Mutual | $877 | |||||
| American Bankers Florida | $915 | |||||
| Average | $422.19 |
Alamosa Renters Insurance
Even renters need insurance to cover their assets. Most landlords require their tenants to have renters coverage. This protects you and the landlord from any accidents that could leave you with no assets. Even though renters insurance is cheaper, it is still important to cover all of your property in case of fire or legal action after an accident.
A renter in Alamosa should expect an average premium of $261.61. This matches well with the national average and is something that most renters should expect to pay. However, for lower-income families, there are cheaper options. You may also want a cheaper option if you have fewer assets than more expensive premium covers.
Here are some cheaper options for an HO-4 premium:
- Century – $254
- Hartford – $228
- American Family – $218
- Farmers – $201
List of Companies & Rates for HO-4 Coverage in Alamosa, CO
| Company | Annual Premium |
|---|---|
| Economy Premier | $86 |
| 360 | $115 |
| State Farm | $125 |
| ANPAC | $127 |
| California Casualty | $133 |
| ANGIC | $143 |
| Farmers Insurance Exchange | $151 |
| National Farmers | $153 |
| SECURA Supreme | $158 |
| Mountain Valley | $161 |
| Alliance | $162 |
| Praetorian | $162 |
| Allstate | $166 |
| Stillwater | $166 |
| Colorado Farm Bureau | $187 |
| Grange Insurance | $191 |
| Metropolitan Direct | $191 |
| SECURA | $194 |
| Farmers | $201 |
| Homesite | $210 |
| Acuity | $215 |
| Markel American | $216 |
| Trumbull | $216 |
| Metropolitan Property | $217 |
| American Family | $218 |
| Hartford Fire | $220 |
| CSAA | $226 |
| Aspen American | $228 |
| Hartford Accident | $228 |
| American Strategic | $229 |
| Twin City Fire | $229 |
| CENTRAL | $230 |
| Safeco | $237 |
| Auto-Owners | $238 |
| Owners Insurance | $238 |
| American Modern | $239 |
| IDS | $249 |
| Century-National | $254 |
| Great Northern | $254 |
| Shelter | $254 |
| Foremost Grand Rapids, Michigan | $255 |
| United Fire | $255 |
| Electric Insurance | $263 |
| Vigilant | $264 |
| Amica | $272 |
| Federal | $276 |
| Pacific | $276 |
| Horace Mann | $278 |
| First American | $281 |
| Teachers Insurance | $281 |
| COUNTRY Mutual | $293 |
| National Casualty | $299 |
| American Bankers Florida | $300 |
| Encompass | $354 |
| USAA General | $371 |
| Garrison | $385 |
| USAA | $385 |
| American Family Home | $417 |
| United Services | $418 |
| Pharmacists Mutual | $444 |
| Liberty | $460 |
| LM Insurance | $483 |
| AIG | $696 |
| The Cincinnati | $920 |
| Average | $261.61 |
Census
Alamosa, Colorado is a smaller urban city. With a population of nearly 10,000, do not expect too much growth over time. The size is perfect for people who do not want to live in an area that is too big.
The majority of the residents in Alamosa, Colorado are younger. The median age only reaches 27. Being surrounded by younger people makes the city a bit more forward-thinking and modern.
However, the median household income sits well below the Colorado average. This may mean that there are more renters than buyers in the area. The median rent in Alamosa is only $713, well below the national average. Many of the young people may prefer to rent rather than buy, but with the cheaper housing, buying is not completely out of the question.
Expect your move to Alamosa, Colorado to be well-rounded. There is diversity in the area, but the city is fairly small. The crime index is high for such a small city, so keep that in mind before committing to the area.
