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Home Insurance In Alamosa, CO: Companies & Premiums

Home Insurance In Alamosa, CO: Companies & Premiums

Home Insurance In Alamosa, CO: Companies & Premiums

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:

List of Companies & Rates for HO-3 Coverage in Alamosa, CO

CompanyAnnual Premium     
Average$1233.78
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

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

CompanyAnnual Premium     
Average$422.19
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

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:

List of Companies & Rates for HO-4 Coverage in Alamosa, CO

CompanyAnnual Premium
Average$261.61
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

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.

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