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
| Company | Annual Premium |
|---|---|
| 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 |
| Average | $2335.02 |
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:
List of Companies & Rates for HO-6 Coverage in Pueblo, CO
| Company | Annual Premium |
|---|---|
| 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 |
| Average | $489.86 |
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
| Company | Annual Premium |
|---|---|
| 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 |
| Average | $306.05 |
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.
