How Can I Make My Montrose, CO Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in Montrose, CO by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
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Select the Suitable Coverage Value for your Montrose, CO Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $61,000 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $109,500 | $90,000 | $100,000-$125,000 |
| 3 Bedroom | $218,000 | $200,000 | $175,000-$200,000 |
| 4 Bedroom | $359,500 | $320,000 | $300,000-$350,000 |
| 5 Bedroom | $446,500 | $410,000 | $400,000-$500,000 |
Estimate your Savings with Home Insurance Discounts in Montrose, CO | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$173 | $979 |
| Superior Protection Discount | -$104 | $1,049 |
| Fire & Security Discount | -$127 | $1,026 |
| Hail Resistant Roof Discount | -$23 | $1,129 |
| Newly Constructed Home Discount | -$300 | $853 |
Choose your Montrose, CO Home Insurance Coverage for your Specific Claim Requirement | Back to Top
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,794 |
| Physical Damage | $2,368 |
| Hail Damage | $4,948 |
| Wind Damage | $6,114 |
| Expensive Claims | |
| Fire | $43,336 |
| Smoke | $16,218 |
Identify Top Home Insurance Agents near Montrose, CO | Back to Top
| Home Insurance Company Montrose, CO | Homeowners Insurance Agency Montrose, CO | Address | Popularity Score | Distance from Montrose (miles) |
|---|---|---|---|---|
| State Farm | Tim Tinaza | 219 E Main St Apt A, Montrose, CO, 81401-3665 | 4.3 | |
| State Farm | Adam Hancock | 1425 Hawk Parkway, Montrose, CO, 81401-6452 | 2.4 | |
| State Farm | Jerry Reiher | 540 Main St Ste 102, Delta, CO, 81416-1834 | 25.1 | |
| Travelers | Pete Tarr Insurance | 253 W 5th, Delta, CO, 81416 | 25.2 | |
| State Farm | Mike Trujillo | 2019 S Townsend Ave, Montrose, CO, 81401-5444 | 3.2 | |
| State Farm | Kevin Parks | 211 Grand Ave Suite 102 P.O. Box 1018, Paonia, CO, 81428 | 33.2 | |
| State Farm | Kevin Parks | 126 E 5th St, Delta, CO, 81416-1903 | 25.1 | |
| Travelers | Insurance Of The San Juans | 1825 E Main St Ste B, Montrose, CO, 81401 | 4.5 | |
| State Farm | Rich Almgren | 609 N Main St, Gunnison, CO, 81230-2409 | 49.9 | |
| Farmers | Gary Short | 234 N Main St Ste 1b, Gunnison, CO, 81230 | 49.9 |
Compare Rates for Montrose, CO Home Insurance Providers | Back to Top
| 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 |
| Montrose County, CO | $202,500 | $1,148 | $800 | $1,500 | $700 |
| Montrose, CO | $204,200 | $1,152 | $810 | $1,510 | $700 |
| Montrose County, CO | $202,500 | $1,148 | $800 | $1,500 | $700 |
| Hotchkiss, CO | $243,200 | $1,332 | $930 | $1,740 | $810 |
| Mountain Village, CO | $661,800 | $2,883 | $2,020 | $3,780 | $1,760 |
| Ophir, CO | $450,000 | $2,088 | $1,460 | $2,740 | $1,280 |
| San Miguel County, CO | $485,000 | $1,196 | $840 | $1,570 | $730 |
| Nucla, CO | $177,300 | $1,168 | $820 | $1,530 | $710 |
| Gunnison County, CO | $313,900 | $966 | $680 | $1,270 | $590 |
| Hinsdale County, CO | $325,400 | $966 | $680 | $1,270 | $590 |
| Lake City, CO | $325,400 | $1,543 | $1,080 | $2,020 | $940 |
Research Home Insurance Companies Reviews in Montrose, CO Before Buying | Back to Top
Share a review on your home insurance company
USAA Home Insurance Reviews
Date: October 06, 2019 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Premium
While the premium is expensive, it is actually less expensive than the other companies that I got quotes from when I was shopping. The deductible is exactly on track with everyone elses.
Date: July 27, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Customer Service
We have had a fantastic time using USAA's home insurance. Our home, everyone, and everything in it are all protected for a low cost.
Date: January 25, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Customer Service
So far all of my dealings with customer service have been great. A few times I have called to delay the automatic payment and they have been friendly and have obliged. Cannot find any fault with their customer service so far.
Date: January 24, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Policy Offerings
I will say, however, their policies can be a bit pricey compared to friends and family who I have recently asked about their policies. But, the coverage for identity theft is great, although I don't have any issues in that department because my banking is through them as well.
State Farm Home Insurance Reviews
Date: April 02, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
I believe they are about the same as all the other insurance companies when it comes to their deductibles. You can choose your deductible depending.
Date: February 12, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Policy Offerings
They ask many questions to make sure my policy is tailored to meet my specific needs, which have changed over time. I always feel like I am getting the best coverage without overpaying for coverage that I do not need.
Date: November 01, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Communication
There is only one thing that I do not like, and that is that the mother company has started a service where they answer the call rather then how it used to be. In the past when we would call, we would be able to leave a message for our agent, and they would get back to us the next day if we has called after regular hours.
Allstate Home Insurance Reviews
Date: October 14, 2019 Age: 20 to 29 Gender: Male Marital Status: Married
Premium
Allstate insurance deductible is the amount you pay when you need to file a claim for damage. The average homeowners insurance deductible is typically $500 - $1,000
Progressive Home Insurance Reviews
Date: December 05, 2018 Age: Above 60 Gender: Male Marital Status: Married
Customer Service
I have been very satisfied with the customer service of Progressive which merged with ASI. I have a local agent who helped me immensely and who recently answered questions from me about a recent rate increase.
Erie Insurance Home Insurance Reviews
Date: October 19, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Communication
Sometimes they will send brochures and policy statements by mail. They seldom contact me via email. Mostly, they like to talk on the phone. It is good for them to contact me in timely ways.
Farmer's Insurance Home Insurance Reviews
Date: July 10, 2019 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Premium
My home insurance company is having affordable and reasonable premiums and less deductibles than other home insurance companies.As a customer i am very satisfied with the premium rates and deductibles.