Gavop's guide to buying homeowners insurance in Mineral County, 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 | $83,000 | $80,000 | $75,000-$100,000 |
| 2 Bedroom | $268,000 | $230,000 | $250,000-$300,000 |
| 3 Bedroom | $285,000 | $240,000 | $300,000-$350,000 |
| 4 Bedroom | $312,500 | $270,000 | $300,000-$350,000 |
| 5 Bedroom | $389,500 | $320,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$141 | $867 |
| Superior Protection Discount | -$91 | $917 |
| Fire & Security Discount | -$91 | $917 |
| Hail Resistant Roof Discount | -$20 | $988 |
| Newly Constructed Home Discount | -$282 | $726 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Mineral County | $700 | $996 | $1,696 | $724 | $1,424 | $272 |
| Mineral County, CO | $2,500 | $996 | $3,496 | $724 | $3,224 | $272 |
| City of Creede, CO | $500 | $1,336 | $1,836 | $971 | $1,471 | $365 |
| South Fork, CO | $2,000 | $1,317 | $3,317 | $957 | $2,957 | $360 |
| Hinsdale County, CO | $2,000 | $954 | $2,954 | $693 | $2,693 | $261 |
| Rio Grande County, CO | $400 | $885 | $1,285 | $643 | $1,043 | $242 |
| Archuleta County, CO | $1,000 | $988 | $1,988 | $718 | $1,718 | $270 |
| Pagosa Springs, CO | $300 | $983 | $1,283 | $715 | $1,015 | $269 |
| Arboles, CO | $1,500 | $1,444 | $2,944 | $1,050 | $2,550 | $395 |
| San Juan County, CO | $200 | $1,378 | $1,578 | $1,002 | $1,202 | $377 |
| Saguache County, CO | $700 | $903 | $1,603 | $656 | $1,356 | $247 |
| Home Insurance Company Mineral County, CO | Homeowners Insurance Agency Mineral County, CO | Address | Popularity Score | Distance from Mineral County (miles) |
|---|---|---|---|---|
| Travelers | Mackey Insurance Llc | 565 Village Dr Ste A, Pagosa Springs, CO, 81147 | 28.1 | |
| State Farm | Truett Forrest | 452 Pagosa St, Pagosa Springs, CO, 81147 | 26.9 | |
| State Farm | Mary Jo Merkley | 1639 Grande Ave, Monte Vista, CO, 81144-1787 | 44.0 | |
| Travelers | Bayfield Ins Inc | 381 Colorado Dr Ste 6, Bayfield, CO, 81122 | 46.5 | |
| Travelers | Co West Of San Luis Valley | 923 First Avenue Monte Vista, Monte Vista, CO, 81144 | 43.4 | |
| Liberty Mutual Independent | Mountain West Insurance & Financial Services Llc | 102 N 3rd St, Pagosa Springs, CO, 81147 | 26.7 | |
| Travelers | Co West Of San Luis Valley | Box 346, Monte Vista, CO, 81144 | 25.4 | |
| Travelers | Sechrist Insurance Agency | 321 Stallo St, Monte Vista, CO, 81144 | 44.0 | |
| Travelers | Tag-Rocky Mountain Insurance Inc | 920 1st Avenue, Monte Vista, CO, 81144 | 43.4 | |
| Liberty Mutual Independent | Cowest Of San Luis Valley | 586 Columbia Ave, Del Norte, CO, 81132 | 31.7 |
| 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 |
| Mineral County, CO | $279,000 | $1,008 | $710 | $1,320 | $610 |
| Mineral County, CO | $279,000 | $1,008 | $710 | $1,320 | $610 |
| City of Creede, CO | $251,600 | $1,352 | $950 | $1,770 | $820 |
| South Fork, CO | $243,500 | $1,333 | $930 | $1,750 | $820 |
| Hinsdale County, CO | $325,400 | $966 | $680 | $1,270 | $590 |
| Rio Grande County, CO | $143,000 | $895 | $630 | $1,170 | $540 |
| Archuleta County, CO | $274,000 | $1,000 | $700 | $1,310 | $610 |
| Pagosa Springs, CO | $271,600 | $995 | $700 | $1,300 | $600 |
| Arboles, CO | $296,400 | $1,462 | $1,020 | $1,920 | $900 |
| San Juan County, CO | $269,400 | $1,395 | $980 | $1,830 | $850 |
| Saguache County, CO | $150,100 | $914 | $640 | $1,200 | $560 |