Find Cheaper Homeowners Insurance

Home Insurance in La Junta, CO: Companies & Premiums

Home Insurance in La Junta, CO: Companies & Premiums

Home Insurance in La Junta, CO: Companies & Premiums
Source: LaJuntaTribuneDemocrat.com

If you are a homeowner, then the subject of insurance has crossed your mind. Insuring your property is majorly important. Having an accident or natural disaster that puts your assets at risk can happen to anyone. Fires and liability accidents are the leading cause of homeowners losing their assets. Rather than take the risk, find an affordable home insurance for yourself and your property.

La Junta, Colorado Homeowners Insurance

The average cost of an HO-3 policy, which is the type of coverage that homeowners need to protect their homes, in La Junta is $2,230.39. This is on the high spectrum for this type of insurance. Homeowners do not need to pay the average, however. There are plenty of cheaper insurance options for homeowners on a budget.

Browse these budget-friendly options for better homeowners insurance in Colorado in the city of La Junta:

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

CompanyAnnual Premium
Average$2230.39
AIG$697
American Reliable$753
American Security$1,013
United Fire$1,055
Grange Insurance$1,105
IDS$1,144
Economy Premier$1,180
Armed Forces$1,244
Pharmacists Mutual$1,261
The Cincinnati$1,325
Horace Mann$1,562
Standard Guaranty$1,590
Mountain Valley$1,634
American Strategic$1,644
ANPAC$1,690
Alliance$1,692
Great Northern$1,705
Vigilant$1,796
Colorado Farm Bureau$1,803
Praetorian$1,834
Metropolitan Direct$1,868
Federal$1,890
Pacific$1,890
Shelter$1,900
Stillwater$1,902
Farmers$1,923
ANGIC$1,959
QBE Insurance$1,966
360$1,973
Teachers Insurance$2,003
SECURA Supreme$2,005
National Casualty$2,009
Horace Mann Property$2,051
American Family$2,083
National Farmers$2,119
Safeco$2,150
USAA$2,168
Encompass$2,218
SECURA$2,263
CSAA$2,279
Foremost Grand Rapids, Michigan$2,322
United Services$2,396
Garrison$2,554
Metropolitan Property$2,554
USAA General$2,571
Homesite$2,625
Acuity$2,674
California Casualty$2,746
Owners Insurance$2,769
Allstate$2,803
CENTRAL$2,830
Amica$2,928
Trumbull$2,939
Hartford Fire$3,056
Twin City Fire$3,164
Hartford Accident$3,202
COUNTRY Mutual$3,368
Auto-Owners$3,551
Liberty$3,561
LM Insurance$3,747
Electric Insurance$3,836
Esurance$3,875
State Farm$3,993
Farmers Insurance Exchange$4,335

La Junta Condo Insurance

Some homeowners have private property, and others share their housing. If you are a homeowner in a condominium or shared housing, then you need an HO-6 policy. Sharing housing with others increases the likelihood of some accidents. Rather than take a chance, be sure that your property is insured under your current premium.

If you are unsatisfied with your premium, then there are cheaper rates for condo owners. The average cost of HO-6 insurance in La Junta is $465.88. Paying below average rates is a good way to save money. Long-term savings frees up room for other types of spending. 

Here are some cheaper-than-average rates for condo coverage in La Junta:

List of Companies & Rates for HO-6 Coverage in La Junta, CO

CompanyAnnual Premium
Average$465.88
SECURA Supreme$129.00
SECURA$166.00
Allstate$173.00
360$201.00
Grange Insurance$202.00
Economy Premier$204.00
Metropolitan Direct$233.00
United Fire$233.00
Colorado Farm Bureau$236.00
Metropolitan Property$238.00
Mountain Valley$247.00
California Casualty$265.00
Farmers Insurance Exchange$280.00
ANPAC$284.00
Farmers$285.00
Shelter$293.00
Foremost Grand Rapids, Michigan$310.00
National Farmers$314.00
Horace Mann$317.00
ANGIC$321.00
State Farm$352.00
CENTRAL$358.00
Safeco$371.00
Acuity$374.00
COUNTRY Mutual$384.00
Electric Insurance$385.00
American Family$391.00
Great Northern$413.00
Vigilant$435.00
American Strategic$446.00
Federal$456.00
Pacific$456.00
Auto-Owners$468.00
Owners Insurance$468.00
Teachers Insurance$473.00
Armed Forces$478.00
Encompass$501.00
Amica$514.00
USAA General$532.00
Trumbull$536.00
Hartford Fire$544.00
National Casualty$566.00
Hartford Accident$569.00
Twin City Fire$574.00
Liberty$580.00
Stillwater$581.00
CSAA$592.00
LM Insurance$610.00
Homesite$664.00
AIG$685.00
Pharmacists Mutual$725.00
USAA$791.00
The Cincinnati$795.00
United Services$808.00
IDS$827.00
Garrison$841.00
American Bankers Florida$915.00
Praetorian$1,632.00

La Junta Renters Insurance

Renters insurance covers your assets within a landlord’s property. This type of insurance is not coverage for the landlord. If there were an accident, then their own property insurance should cover their side. Not having renters insurance is a risk. You need an HO-4 policy to cover your personal property within the rental unit.

Expect to pay an average of $242.36 for renters insurance in La Junta. Rather than paying too much for your premium, try to go for a less costly rate. There are plenty of companies that charge less than average for a renters insurance. A bit of research could save you hundreds of dollars a year.

Here are a few companies that charge below-average rates for renters insurance in La Junta:

  • IDS – $227
  • Homesite – $185
  • Alliance – $152

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

CompanyAnnual Premium
Average$242.36
Economy Premier$110.00
State Farm$125.00
360$134.00
California Casualty$136.00
Grange Insurance$148.00
Farmers Insurance Exchange$150.00
Alliance$152.00
National Farmers$160.00
Allstate$166.00
Mountain Valley$173.00
SECURA Supreme$174.00
ANPAC$177.00
Colorado Farm Bureau$183.00
Praetorian$183.00
Homesite$185.00
Farmers$189.00
Stillwater$193.00
Metropolitan Direct$199.00
ANGIC$202.00
SECURA$212.00
Markel American$216.00
Great Northern$220.00
American Strategic$226.00
IDS$227.00
Aspen American$228.00
Vigilant$230.00
Shelter$234.00
American Modern$239.00
CENTRAL$239.00
Federal$239.00
Pacific$239.00
American Family$241.00
Acuity$242.00
Amica$242.00
Auto-Owners$254.00
Century-National$254.00
Owners Insurance$254.00
Foremost Grand Rapids, Michigan$255.00
CSAA$258.00
Metropolitan Property$264.00
Safeco$270.00
Teachers Insurance$280.00
First American$281.00
Horace Mann$292.00
United Fire$293.00
American Bankers Florida$300.00
Electric Insurance$309.00
Trumbull$325.00
Hartford Fire$330.00
COUNTRY Mutual$339.00
Hartford Accident$343.00
Twin City Fire$346.00
USAA General$349.00
Garrison$362.00
USAA$362.00
National Casualty$365.00
Pharmacists Mutual$366.00
United Services$393.00
American Family Home$417.00
Liberty$443.00
LM Insurance$466.00
Encompass$652.00
AIG$698.00
The Cincinnati$879.00

Census

La Junta is a smaller urban city. The city’s population of 6,896 people is slowly declining. On top of that, its average rent is $795, and the average cost of a home hits $42,466. The cost of living is very low, but around 25% of the population lives in poverty. 

This may bring about good housing opportunities for opportunistic homeowners. If you have higher income and are able to commute to better areas, then La Junta may be a cheap place to live. 

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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