Gavop's guide to buying homeowners insurance in Fruitvale, CO covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $70,500 | $60,000 | $50,000-$75,000 |
| 2 Bedroom | $100,000 | $90,000 | $100,000-$125,000 |
| 3 Bedroom | $186,000 | $170,000 | $175,000-$200,000 |
| 4 Bedroom | $344,500 | $310,000 | $350,000-$400,000 |
| 5 Bedroom | $211,000 | $180,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$119 | $729 |
| Superior Protection Discount | -$85 | $763 |
| Fire & Security Discount | -$85 | $763 |
| Hail Resistant Roof Discount | -$17 | $831 |
| Newly Constructed Home Discount | -$237 | $611 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,337 |
| Physical Damage | $2,513 |
| Hail Damage | $4,618 |
| Wind Damage | $6,178 |
| Expensive Claims | |
| Fire | $43,336 |
| Smoke | $16,553 |
| Home Insurance Company Fruitvale, CO | Homeowners Insurance Agency Fruitvale, CO | Address | Popularity Score | Distance from Fruitvale (miles) |
|---|---|---|---|---|
| Farmers | Joshua Dewitt | 327 N 7th St Ste 2, Grand Junction, CO, 81501 | 4.7 | |
| Farmers | Michael Baker | 436 Independent Ave, Grand Junction, CO, 81505 | 5.3 | |
| State Farm | Steve Kendrick | 640 Rood Avenue, Grand Junction, CO, 81501 | 4.8 | |
| Travelers | Rifle Insurance Agency | 450 West Ave #104, Rifle, CO, 81650 | 48.0 | |
| Travelers | Beckner Power Insurance Inc | 2415 F Rd, Ste B Grand Junction, Grand Junction, CO, 81505 | 6.8 | |
| Travelers | Beckner Power Insurance Inc | 2415 Patterson Rd B, Grand Junction, CO, 81505 | 6.2 | |
| Allstate | Robin Dujay | 1119 N 1st St Ste G, Grand Junction, CO, 81501 | 5.1 | |
| Liberty Mutual Independent | Moody-Valley Insurance Agency | 760 Horizon Dr Ste 302, Grand Junction, CO, 81506 | 3.3 | |
| Liberty Mutual Independent | Hub International | 2742 Crossroads Blvd, Grand Junction, CO, 81506 | 3.9 | |
| State Farm | Eric Lusby | 2584 Patterson Road, Grand Junction, CO, 81505-1445 | 5.2 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Colorado | $286,100 | $1,436 | $1,010 | $1,880 | $870 |
| Mesa County, CO | $207,900 | $1,161 | $810 | $1,520 | $710 |
| Fruitvale, CO | $186,500 | $848 | $590 | $1,110 | $520 |
| Clifton, CO | $166,000 | $808 | $570 | $1,060 | $490 |
| De Beque, CO | $181,000 | $1,178 | $820 | $1,540 | $720 |
| Fruita, CO | $251,800 | $962 | $670 | $1,260 | $590 |
| Glade Park-Gateway, CO | $340,100 | $1,588 | $1,110 | $2,080 | $970 |
| Cedaredge, CO | $209,300 | $889 | $620 | $1,170 | $550 |
| Delta, CO | $175,900 | $828 | $580 | $1,080 | $500 |
| Parachute, CO | $160,800 | $1,121 | $780 | $1,470 | $690 |
| Delta County, CO | $206,200 | $1,157 | $810 | $1,520 | $710 |
| Hotchkiss, CO | $243,200 | $1,332 | $930 | $1,740 | $810 |
| Paonia, CO | $217,800 | $1,272 | $890 | $1,670 | $780 |