Gavop's guide to buying homeowners insurance in Cortez, 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 | $49,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $96,500 | $80,000 | $100,000-$125,000 |
| 3 Bedroom | $189,000 | $150,000 | $200,000-$250,000 |
| 4 Bedroom | $155,000 | $140,000 | $125,000-$150,000 |
| 5 Bedroom | $251,000 | $220,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$143 | $699 |
| Superior Protection Discount | -$84 | $758 |
| Fire & Security Discount | -$84 | $758 |
| Hail Resistant Roof Discount | -$25 | $817 |
| Newly Constructed Home Discount | -$244 | $598 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,733 |
| Physical Damage | $2,440 |
| Hail Damage | $4,948 |
| Wind Damage | $6,305 |
| Expensive Claims | |
| Fire | $44,229 |
| Smoke | $17,556 |
| Home Insurance Company Cortez, CO | Homeowners Insurance Agency Cortez, CO | Address | Popularity Score | Distance from Cortez (miles) |
|---|---|---|---|---|
| State Farm | Denise Elliott | 25825 Highway 160, Durango, CO, 81301-7918 | 47.8 | |
| Farmers | Courtney Harshberger | 555 S Camino Del Rio # A3, Durango, CO, 81303 | 47.0 | |
| Travelers | Garver Insurance Agency | 17404 Hwy 145, Dolores, CO, 81323 | 11.6 | |
| Farmers | Shari Jones | 555 S Camino Del Rio Ste A3, Durango, CO, 81303 | 47.0 | |
| State Farm | Jay Hwang | 207 E 11th St, Durango, CO, 81301-5235 | 46.5 | |
| Liberty Mutual Independent | Wolcott Insurance Services Inc | 730 S Camino Del Rio, Durango, CO, 81301 | 47.2 | |
| Liberty Mutual Independent | Wolcott Insurance Services Inc | 730 S. Camiono Del Rio, Durango, CO, 81301 | 47.2 | |
| Allstate | Natalie Rose | 2974 Main Ave, Durango, CO, 81301 | 46.6 | |
| State Farm | Wendy Most | 1315 Main Ave Ste 211, Durango, CO, 81301-5154 | 46.4 | |
| State Farm | Dennis Morita | 25 N Harrison St, Cortez, CO, 81321-3313 | 7.6 |
| 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 |
| Montezuma County, CO | $197,900 | $870 | $610 | $1,140 | $530 |
| Cortez, CO | $183,000 | $842 | $590 | $1,100 | $510 |
| Montezuma County, CO | $197,900 | $870 | $610 | $1,140 | $530 |
| Pleasant View, CO | $258,200 | $1,368 | $960 | $1,790 | $830 |
| Dolores, CO | $249,500 | $1,347 | $940 | $1,760 | $820 |
| Rico, CO | $295,500 | $1,460 | $1,020 | $1,910 | $890 |
| Teec Nos Pos, AZ | $55,500 | $403 | $290 | $570 | $280 |
| Casa del Eco Mesa-White Mesa, UT | $68,900 | $384 | $280 | $530 | $250 |
| Beclabito, NM | $81,700 | $690 | $470 | $980 | $510 |
| Waterflow, NM | $181,000 | $901 | $660 | $1,230 | $570 |
| Nenahnezad, NM | $50,900 | $602 | $410 | $850 | $440 |
| Bluff, UT | $209,100 | $591 | $400 | $840 | $440 |