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:
- QBE Insurance – $1006
- Encompass – $826
- Colorado Farm Bureau – $711
- American Reliable – $430
List of Companies & Rates for HO-3 Coverage in Estes Park, CO
| Company | Annual Premium |
|---|---|
| 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 |
| Average | $1452.89 |
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:
- Hartford – $317
- State Farm – $218
- Allstate – $202
- SECURA Supreme – $101
List of Companies & Rates for HO-6 Coverage in Estes Park, CO
| Company | Annual Premium |
|---|---|
| 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 |
| Average | $406.52 |
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
| Company | Annual Premium |
|---|---|
| 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 |
| Average | $252.86 |
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.
