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Home Insurance in Glenwood Springs, CO: Companies & Premiums

Home Insurance in Glenwood Springs, CO: Companies & Premiums

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:

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

CompanyAnnual Premium
Average$1063.22
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

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:

List of Companies & Rates for HO-6 Coverage in Glenwood Springs, CO

CompanyAnnual Premium
Average$420.57
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

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

CompanyAnnual Premium
Average$255.58
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

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.

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