All homeowners need insurance. An HO-3 policy is meant to protect personal property from any liability or accidents. If there is a fire, all of your things inside of the home as well as the home itself should be covered. Typical HO-3 policies also include medical payments. Expect to pay a deductible before the insurance company opts to pay the rest of the insurance.
Glenwood Springs Homeowners Insurance
Glenwood Springs, Colorado has an average HO-3 rate of $1,063.22. Despite it being below the national average, this is a lot for some homeowners to pay on a yearly basis. Be sure that your insurance covers the cost of your assets, and then try your best to save some. Slicing your premium to match the price of your assets is a good start.
Browse some of the cheaper options for home insurance:
- Trumbull – $1,006
- American Family – $967
- Safeco – $788
- Grange Insurance – $423
List of Companies & Rates for HO-3 Coverage in Glenwood Springs, CO
| Company | Annual Premium |
|---|---|
| Grange Insurance | $423 |
| American Reliable | $430 |
| Alliance | $475 |
| Economy Premier | $518 |
| United Fire | $534 |
| Encompass | $536 |
| 360 | $562 |
| Farmers | $583 |
| AIG | $614 |
| ANPAC | $619 |
| Mountain Valley | $636 |
| American Strategic | $711 |
| ANGIC | $712 |
| Homesite | $768 |
| Safeco | $788 |
| Horace Mann | $792 |
| Metropolitan Property | $797 |
| QBE Insurance | $799 |
| State Farm | $813 |
| Farmers Insurance Exchange | $816 |
| National Farmers | $817 |
| IDS | $818 |
| Shelter | $835 |
| Metropolitan Direct | $839 |
| Colorado Farm Bureau | $855 |
| American Security | $896 |
| Horace Mann Property | $913 |
| Armed Forces | $950 |
| Praetorian | $960 |
| American Family | $967 |
| Pharmacists Mutual | $983 |
| Stillwater | $999 |
| Teachers Insurance | $1,006 |
| Trumbull | $1,006 |
| Allstate | $1,021 |
| Hartford Fire | $1,042 |
| Twin City Fire | $1,075 |
| Hartford Accident | $1,087 |
| SECURA Supreme | $1,092 |
| The Cincinnati | $1,116 |
| Acuity | $1,176 |
| California Casualty | $1,189 |
| Esurance | $1,201 |
| SECURA | $1,239 |
| USAA | $1,272 |
| Standard Guaranty | $1,346 |
| COUNTRY Mutual | $1,348 |
| CENTRAL | $1,349 |
| United Services | $1,408 |
| USAA General | $1,421 |
| Garrison | $1,448 |
| Electric Insurance | $1,488 |
| Great Northern | $1,493 |
| National Casualty | $1,538 |
| Vigilant | $1,574 |
| CSAA | $1,584 |
| Foremost Grand Rapids, Michigan | $1,589 |
| Amica | $1,630 |
| Federal | $1,654 |
| Pacific | $1,654 |
| Liberty | $1,690 |
| Owners Insurance | $1,697 |
| LM Insurance | $1,780 |
| Auto-Owners | $2,075 |
| Average | $1063.22 |
Glenwood Springs Condo Insurance
Living in a condominium means needing a different type of insurance. Where an HO-3 typically covers houses, HO-6 covers shared property. This includes condos and any other type of shared living space.
Expect to pay an average of $420.57 for an HO-6 in Glenwood Springs. This is in the typical range for this type of insurance. Most condo owners pay this price yearly in the area. Cutting down on your insurance payment is a good way to save money on housing, though. If you want to save some money, then check out some cheaper rates by other insurance companies.
Take a look at the cheaper rates for an HO-6 in Glenwood Springs here:
- Electric Insurance – $381
- Hartford – $367
- Shelter Mutual – $318
- Foremost – $310
List of Companies & Rates for HO-6 Coverage in Glenwood Springs, CO
| Company | Annual Premium |
|---|---|
| SECURA Supreme | $101 |
| SECURA | $134 |
| Economy Premier | $161 |
| 360 | $173 |
| ANPAC | $202 |
| Metropolitan Direct | $204 |
| Metropolitan Property | $210 |
| Mountain Valley | $213 |
| State Farm | $218 |
| ANGIC | $228 |
| United Fire | $228 |
| Grange Insurance | $238 |
| Encompass | $239 |
| National Farmers | $248 |
| Colorado Farm Bureau | $253 |
| Allstate | $256 |
| California Casualty | $276 |
| Farmers Insurance Exchange | $281 |
| Acuity | $295 |
| Horace Mann | $305 |
| Foremost Grand Rapids, Michigan | $310 |
| Shelter | $318 |
| Farmers | $338 |
| American Family | $345 |
| CENTRAL | $345 |
| Trumbull | $345 |
| Hartford Fire | $352 |
| Hartford Accident | $367 |
| Twin City Fire | $368 |
| Electric Insurance | $381 |
| COUNTRY Mutual | $384 |
| Armed Forces | $449 |
| American Strategic | $454 |
| Great Northern | $457 |
| National Casualty | $457 |
| Auto-Owners | $459 |
| Owners Insurance | $459 |
| Safeco | $459 |
| Teachers Insurance | $474 |
| Vigilant | $478 |
| USAA General | $485 |
| Federal | $502 |
| Pacific | $502 |
| CSAA | $507 |
| Amica | $553 |
| Liberty | $626 |
| AIG | $639 |
| Stillwater | $649 |
| LM Insurance | $660 |
| Homesite | $672 |
| American Bankers Florida | $686 |
| The Cincinnati | $699 |
| USAA | $722 |
| United Services | $746 |
| Praetorian | $749 |
| Garrison | $772 |
| Pharmacists Mutual | $877 |
| IDS | $885 |
| Average | $420.57 |
Glenwood Springs Renters Insurance
Another important type of home insurance is the HO-4. This type of insurance applies to renters. It covers their assets in case of an accident or any liability damages. Ignoring this type of insurance is not advised. Even though the renter does not own the property, they can still lose their personal property in the event of an accident.
Glenwood Springs has an average HO-4 rate of $255.58. This cost is within the typical range, and most renters pay around that average. There are ways to cut the costs, depending on your premium and the insurance company. If you have fewer assets than your original insurance covers, then you may be paying too much. Cut the costs by finding a premium that matches your assets.
Find a cheaper than the average premium in this list:
- Hartford – $229
- Trumbull – $217
- Mountain Valley – $146
- Economy Premier – $86
List of Companies & Rates for HO-4 Coverage in Glenwood Springs, CO
| Company | Annual Premium |
|---|---|
| Economy Premier | $86 |
| 360 | $115 |
| ANPAC | $127 |
| National Farmers | $141 |
| ANGIC | $143 |
| Mountain Valley | $146 |
| State Farm | $146 |
| California Casualty | $150 |
| Alliance | $159 |
| Praetorian | $162 |
| SECURA Supreme | $165 |
| Allstate | $166 |
| Stillwater | $166 |
| Metropolitan Direct | $174 |
| Farmers Insurance Exchange | $176 |
| Acuity | $187 |
| Grange Insurance | $191 |
| Colorado Farm Bureau | $197 |
| Farmers | $197 |
| SECURA | $202 |
| American Family | $208 |
| Homesite | $210 |
| CSAA | $214 |
| IDS | $216 |
| Markel American | $216 |
| Trumbull | $217 |
| Hartford Fire | $221 |
| CENTRAL | $225 |
| Aspen American | $228 |
| Hartford Accident | $229 |
| Twin City Fire | $230 |
| Metropolitan Property | $233 |
| Auto-Owners | $238 |
| Owners Insurance | $238 |
| American Modern | $239 |
| American Strategic | $242 |
| Safeco | $253 |
| 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 | $308 |
| USAA General | $319 |
| Garrison | $333 |
| USAA | $333 |
| United Services | $360 |
| American Family Home | $417 |
| Pharmacists Mutual | $444 |
| Liberty | $479 |
| LM Insurance | $504 |
| AIG | $683 |
| The Cincinnati | $769 |
| Average | $255.58 |
Census
Most of the statistics for Glenwood Springs sit around the Colorado average. It is a smaller city with only 9,962 residents, but it is growing very quickly. The general cost of living is lower, but housing is more expensive. Future residents should expect to pay more for housing than other things, such as groceries or gas.
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.
