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Home Insurance in Estes Park, CO: Companies & Premiums

Home Insurance in Estes Park, CO: Companies & Premiums

Home Insurance in Estes Park, CO: Companies & Premiums

A homeowner needs an HO-3 policy. This type of insurance protects their personal property and any liability associated with it. Most homeowners keep insurance to protect their assets from any liability damage or damage caused by an accident. For example, a fire may leave a person with no home or furniture, but good insurance should cover the entirety of the home.

Estes Park, Colorado Homeowners Insurance

Homeowners should expect to pay an average of $1,452.89 in Estes Park. This is within the range that most homeowners pay. Many people prefer to save money through their insurance, however. There are plenty of cheaper premiums for families on a budget. 

Browse the cheaper options for home insurance here:

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

CompanyAnnual Premium
Average$1452.89
American Reliable$430
Economy Premier$487
360$572
Grange Insurance$581
United Fire$661
IDS$689
Colorado Farm Bureau$711
Horace Mann$766
AIG$776
Encompass$826
State Farm$833
Horace Mann Property$900
Mountain Valley$916
Teachers Insurance$958
QBE Insurance$1,006
American Security$1,112
The Cincinnati$1,154
American Strategic$1,170
Standard Guaranty$1,178
Praetorian$1,194
Alliance$1,195
Armed Forces$1,243
Pharmacists Mutual$1,261
California Casualty$1,277
American Family$1,312
Shelter$1,348
Safeco$1,365
Farmers$1,376
COUNTRY Mutual$1,390
Great Northern$1,390
Trumbull$1,391
Hartford Fire$1,443
Vigilant$1,466
Twin City Fire$1,491
Homesite$1,501
Hartford Accident$1,508
Federal$1,537
Pacific$1,537
CSAA$1,564
USAA$1,568
National Farmers$1,673
CENTRAL$1,675
United Services$1,713
Allstate$1,741
SECURA Supreme$1,773
Stillwater$1,787
USAA General$1,788
Garrison$1,792
Metropolitan Direct$1,868
Owners Insurance$1,884
Liberty$1,905
National Casualty$1,944
Esurance$1,991
SECURA$2,002
LM Insurance$2,005
Amica$2,029
Farmers Insurance Exchange$2,083
Acuity$2,087
Electric Insurance$2,110
ANPAC$2,224
Foremost Grand Rapids, Michigan$2,322
Auto-Owners$2,372
Metropolitan Property$2,554
ANGIC$2,580

Estes Park Condo Insurance

Some homeowners occupy a different type of property. Rather than sitting on their own land, a homeowner with an HO-6 premium shares property with other homeowners. A condominium or shared housing requires this special type of insurance. Rather than covering the entirety of the property, an HO-6 policy covers the condo owner’s portion of the property. 

The average cost of an HO-6 premium in Estes Park is $406.52. This is a bit lower than most condominium owners pay. If you want an even cheaper option, there are quite a few companies that offer budget-friendly insurance rates. Finding a better HO-6 premium only takes a bit of research about the company’s coverage options.

Browse a few cheaper options for an HO-6 premium here:

List of Companies & Rates for HO-6 Coverage in Estes Park, CO

CompanyAnnual Premium
Average$406.52
SECURA Supreme$101
SECURA$134
360$173
Mountain Valley$184
Economy Premier$187
Allstate$202
State Farm$218
Grange Insurance$219
Metropolitan Direct$223
ANPAC$231
National Farmers$232
United Fire$233
Metropolitan Property$238
Colorado Farm Bureau$239
ANGIC$260
Farmers Insurance Exchange$264
California Casualty$268
Farmers$285
COUNTRY Mutual$291
Shelter$293
Trumbull$298
Hartford Fire$305
Foremost Grand Rapids, Michigan$310
Acuity$314
Hartford Accident$317
Twin City Fire$318
Horace Mann$329
Great Northern$335
Encompass$339
CENTRAL$349
Vigilant$350
Federal$367
Pacific$367
Electric Insurance$385
Safeco$393
American Family$397
Auto-Owners$424
Owners Insurance$424
American Strategic$433
USAA General$470
Armed Forces$484
Amica$514
Teachers Insurance$543
The Cincinnati$543
National Casualty$571
American Bankers Florida$572
CSAA$601
Liberty$602
Stillwater$620
LM Insurance$633
Homesite$672
USAA$688
United Services$701
Pharmacists Mutual$725
Garrison$733
AIG$826
IDS$865
Praetorian$986

Estes Park Renters Insurance

Even renters need insurance to protect their assets. An HO-4 policy does not protect the property itself. Instead, it protects the contents of the property, such as your furniture, electronics, and any damages from liability. Renters insurance is just as important to have as any other type of homeowners insurance in CO. In most cases, landlords require their renters to have a set amount of insurance.

A renter will pay an average of $252.86 for renters insurance in Estes Park. For renters, this is in the normal range for insurance. Some renters prefer to pay a cheaper insurance premium because their assets are much less than the coverage. If you have few assets and want to save money, a cheaper premium is the way to go.

Take a look at some cheaper rental coverage options in Estes Park:

  • Great Northern – $220
  • American Strategic – $207
  • Trumbull Insurance – $192
  • Alliance – $152

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

CompanyAnnual Premium
Average$252.86
Economy Premier$102
360$115
Mountain Valley$130
Praetorian$135
National Farmers$140
California Casualty$144
ANPAC$145
State Farm$146
Farmers Insurance Exchange$150
Alliance$152
SECURA Supreme$155
ANGIC$164
Allstate$166
Grange Insurance$170
Acuity$181
Colorado Farm Bureau$187
IDS$187
Farmers$189
SECURA$191
Trumbull$192
Hartford Fire$195
Safeco$198
Metropolitan Direct$199
Hartford Accident$202
Twin City Fire$202
American Strategic$207
Homesite$210
Stillwater$211
Markel American$216
Auto-Owners$219
CSAA$219
Owners Insurance$219
Great Northern$220
American Family$223
Aspen American$228
CENTRAL$228
Vigilant$229
Shelter$234
Federal$238
Pacific$238
American Modern$239
Amica$242
Century-National$254
Foremost Grand Rapids, Michigan$255
Metropolitan Property$264
First American$281
Electric Insurance$282
COUNTRY Mutual$293
United Fire$293
American Bankers Florida$300
Horace Mann$310
Teachers Insurance$322
USAA General$334
Garrison$348
USAA$349
Pharmacists Mutual$366
National Casualty$369
United Services$377
American Family Home$417
Encompass$441
Liberty$460
LM Insurance$483
The Cincinnati$584
AIG$844

Census

Estes Park is a smaller city with 10 percent of the population being rural. It may be a good option for people who like to live further away from cities but are still convenient. Most of the population is older with the median age being 59. For most, Estes Park seems to be a retirement city with a higher cost of living. 

Due to the city having an older population and being rural, there is less crime. Crime has been on a slow downslope, and there was not much crime in the area, to begin with. Homeowners who enjoy a quiet, calm town may enjoy living in Estes Park.

Source: All of these numbers were taken from the Colorado Government Insurance Department’s official site. Like most averages, expect these numbers to change over time. They were written as accurately possible at the time of recording.

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