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Home Insurance In Pueblo, CO: Companies & Premiums

Home Insurance in Pueblo, CO: Companies & Premiums

Home Insurance In Pueblo, CO: Companies & Premiums
Pueblo, CO riverwalk. Source: Geographical Perspectives via justinholman.com

Basic private homeowners coverage is called an HO-3 premium. In Pueblo, Colorado, a private homeowner’s premium is $2,335.02. This is well above the national average and expensive for Pueblo’s general cost of living. Newer or less established homeowners may want to opt-in for a cheaper premium. Since the cost of living is so difficult compared to other cities, a cheaper premium may be the best way to go. 

Pueblo, Colorado Homeowners Insurance

Here are some other options for a cheaper premium:

  • ANGIC – $2,015
  • QBE Insurance – $1,638
  • United Fire & Gas Co – $1,008
  • AIG – $774

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

CompanyAnnual Premium
Average$2335.02
American Reliable$753
AIG$774
Grange Insurance$976
United Fire & Cas Co$1,008
American Security$1,013
IDS$1,135
Economy Premier Assurance$1,289
Pharmacists Mutual$1,341
The Cincinnati Insurance$1,463
Mountain Valley$1,574
Standard Guaranty$1,590
American Strategic$1,595
Armed Forces$1,604
QBE Insurance$1,638
Praetorian Insurance$1,698
Horace Mann$1,724
ANPAC$1,738
360 Insurance$1,768
Alliance$1,841
Encompass$1,964
National Casualty$2,009
ANGIC$2,015
Great Northern$2,015
American Family$2,032
Teachers Insurance$2,057
USAA$2,075
Farmers$2,086
Shelter Mutual$2,103
Safeco$2,115
Vigilant Insurance$2,124
Homesite$2,158
Metropolitan Direct$2,198
Federal Insurance$2,235
Pacific Indemnity$2,235
National Farmers$2,238
United Services$2,299
Horace Mann$2,353
Allstate$2,372
USAA General$2,387
Garrison$2,399
Colorado Farm Bureau Mutual$2,422
CSAA$2,504
Stillwater$2,518
SECURA Supreme$2,551
CENTRAL MUTUAL$2,636
California Casualty$2,715
Trumbull Insurance$2,843
SECURA$2,875
Hartford Fire$2,956
Foremost Insurance Company Grand Rapids, Michigan$2,992
Acuity$3,056
Twin City$3,060
Hartford Accident$3,097
Liberty$3,152
Owners Insurance$3,173
LM Insurance$3,315
COUNTRY Mutual$3,318
Amica$3,611
Farmers Insurance Exchange$3,614
Esurance$3,781
State Farm$4,012
Electric Insurance$4,048
Auto-Owners$4,095
Metropolitan$5,106

Pueblo, Colorado Condo Insurance

Purchase an HO-6 policy if you own a condominium or multi-family home. This type of insurance protects you from all accidents associated with the multi-family home. Having HO-6 insurance is crucial for protecting your assets and ensuring safety.

The average cost of an HO-6 premium in Pueblo is $486.86. For lower-income families, tons of cheaper options exist. Check out this list of cheaper insurance companies:

  • Acuity – $365
  • Mountain Valley – $266
  • Allstate – $182
  • 360 Insurance – $201

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

CompanyAnnual Premium
Average$489.86
Allstate$182.00
Economy Premier Assurance$187.00
SECURA Supreme$200.00
360 Insurance$201.00
Grange Insurance$221.00
United Fire & Cas Co$233.00
SECURA$248.00
Metropolitan$257.00
Mountain Valley$266.00
Colorado Farm Bureau$279.00
ANPAC$286.00
California Casualty$287.00
Shelter Mutual$293.00
Foremost Insurance Company Grand Rapids, Michigan$299.00
Horace Mann$317.00
National Farmers$317.00
ANGIC$323.00
Metropolitan Direct$323.00
Encompass$333.00
Farmers Insurance Exchange$334.00
CENTRAL MUTUAL$345.00
State Farm$352.00
Acuity$365.00
Farmers Alliance$367.00
Electric Insurance$385.00
Safeco$393.00
American Family$397.00
Trumbull Insurance$397.00
Hartford Fire$403.00
American Strategic$409.00
Hartford Accident$420.00
Twin City Fire$424.00
COUNTRY$447.00
Great Northern$463.00
Auto-Owners$468.00
Owners Insurance$468.00
Vigilant Insurance$484.00
Teachers Insurance$500.00
Federal Insurance$507.00
Pacific Indemnity$507.00
Amica$514.00
Armed Forces$520.00
National Casualty$566.00
USAA General$628.00
The Cincinnati Insurance$642.00
Stillwater$648.00
CSAA$651.00
Homesite$663.00
AIG$786.00
Pharmacists Mutual$855.00
Liberty Insurance$875.00
IDS$903.00
American Bankers Insurance Company of Florida$915.00
LM Insurance$920.00
USAA Casualty$947.00
United Services$987.00
Garrison$1,009.00
Praetorian Insurance$1,496.00

Pueblo, Colorado Renters Insurance

HO-4 insurance is one of the cheapest types of insurance premiums. It applies to renters insurance, covering the assets of renting families. In Pueblo, the average rate for an HO-4 premium is $306.05. An HO-4 is a cheaper option for renters who do not own their homes. Though the average falls below what is considered expensive, there are even more cheap options to choose from.

Here are some cheaper HO-4 premiums:

  • First American – $281
  • Hartford Accident and Indemnity – $260
  • Pacific Indemnity – $239
  • ANPAC – $178

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

CompanyAnnual Premium
Average$306.05
Economy Premier Assurance$102
State Farm$125
360 Insurance$134
California Casualty$162
Mountain Valley$165
National Farmers$165
Allstate Indemnity$166
Grange Insurance$177
ANPAC$178
Farmers Insurance Exchange$184
Homesite$185
Alliance$189
ANGIC$203
Markel$216
Colorado Farm Bureau$217
Great Northern$220
Aspen American$228
Vigilant Insurance$230
Farmers$234
Shelter$234
American Modern$239
Federal Insurance$239
Foremost Insurance Company Grand Rapids, Michigan$239
Pacific$239
Acuity$242
CENTRAL$243
American Strategic$245
Trumbull Insurance$247
Hartford Fire$251
Praetorian Insurance$251
Century-National$254
Hartford Accident$260
Auto-Owners$261
Owners Insurance$261
Safeco$261
Twin City Fire$262
IDS$266
Amica$272
Metropolitan Direct$275
SECURA Supreme$277
Stillwater$278
First American$281
Metropolitan$284
Horace Mann$292
United Fire & Cas Co$293
American Family$294
Teachers Insurance$295
CSAA$297
American Bankers$300
Electric Insurance$309
SECURA$327
COUNTRY Mutual$357
National Casualty$365
USAA General$382
USAA Casualty$395
Garrison$396
American Family$417
United Services$430
Encompass$432
Pharmacists Mutual$432
Liberty Insurance$668
LM Insurance$703
The Cincinnati Insurance$752
AIG$827

Census

Pueblo, Colorado is an up-and-coming medium to small city. It has a population of 111,127 people. The growth rate of the city is a bit on the slower side, seeing an 8.8% growth rate since 2000. As for age, the population consists of adults around the age of 38. 

Pueblo’s housing is nearly half the Colorado average. Most potential homeowners can get a home for $139,500, and the median household income is $36,124. The cost of homes is barely rising compared to another census in the early 2000s. 

Tips for Purchasing a Policy

Since 2017, around 22% of Pueblo’s population lives in poverty. The median income does not match the cost of living, and residents are more likely to turn to crime. Getting a place to rent or buy is cheaper than the Colorado average, but jobs pay on the lower side.

Pueblo is a very high crime area, and it shows no signs of going down. Keep this in mind before making a big homeowner decision, and be sure to take extra precautions with your insurance. Be sure that your insurance covers theft, vandalism, and other major crimes. See if a security alarm is covered in your package. 

Source: We get the census and pricing information from https://www.colorado.gov/dora/division-insurance. We recorded these prices at the time of writing the article, but all prices are subject to change in the future.

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