Gavop's guide to buying homeowners insurance in Mesa 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 | $70,500 | $60,000 | $50,000-$75,000 |
| 2 Bedroom | $213,000 | $180,000 | $200,000-$250,000 |
| 3 Bedroom | $190,500 | $180,000 | $200,000-$250,000 |
| 4 Bedroom | $388,000 | $330,000 | $400,000-$500,000 |
| 5 Bedroom | $345,500 | $320,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$209 | $952 |
| Superior Protection Discount | -$104 | $1,056 |
| Fire & Security Discount | -$128 | $1,033 |
| Hail Resistant Roof Discount | -$23 | $1,137 |
| Newly Constructed Home Discount | -$302 | $859 |
| 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 |
| Mesa County | $1,000 | $1,147 | $2,147 | $833 | $1,833 | $313 |
| Mesa County, CO | $1,500 | $1,147 | $2,647 | $833 | $2,333 | $313 |
| Orchard Mesa, CO | $400 | $809 | $1,209 | $588 | $988 | $221 |
| Grand Junction, CO | $1,500 | $1,123 | $2,623 | $816 | $2,316 | $307 |
| Loma, CO | $400 | $1,400 | $1,800 | $1,017 | $1,417 | $383 |
| Fruita, CO | $1,000 | $950 | $1,950 | $691 | $1,691 | $260 |
| Cedaredge, CO | $200 | $879 | $1,079 | $639 | $839 | $240 |
| Delta County, CO | $1,000 | $1,143 | $2,143 | $831 | $1,831 | $312 |
| Parachute, CO | $500 | $1,108 | $1,608 | $805 | $1,305 | $303 |
| Battlement Mesa, CO | $700 | $1,130 | $1,830 | $821 | $1,521 | $309 |
| Olathe, CO | $200 | $879 | $1,079 | $639 | $839 | $240 |
| Montrose County, CO | $1,500 | $1,134 | $2,634 | $824 | $2,324 | $310 |
| Home Insurance Company Mesa County, CO | Homeowners Insurance Agency Mesa County, CO | Address | Popularity Score | Distance from Mesa County (miles) |
|---|---|---|---|---|
| Farmers | Joshua Dewitt | 327 N 7th St Ste 2, Grand Junction, CO, 81501 | 6.4 | |
| State Farm | Steve Kendrick | 640 Rood Avenue, Grand Junction, CO, 81501 | 6.3 | |
| Travelers | Beckner Power Insurance Inc | 2415 F Rd, Ste B Grand Junction, Grand Junction, CO, 81505 | 9.3 | |
| Travelers | Beckner Power Insurance Inc | 2415 Patterson Rd B, Grand Junction, CO, 81505 | 8.7 | |
| State Farm | Mike Trujillo | 2019 S Townsend Ave, Montrose, CO, 81401-5444 | 50.0 | |
| Allstate | Robin Dujay | 1119 N 1st St Ste G, Grand Junction, CO, 81501 | 7.1 | |
| Allstate | Vince Cope | 812 Rood Ave, Grand Junction, CO, 81501 | 6.2 | |
| Farmers | Wendi Wells | 2478 Patterson Rd Ste 21, Grand Junction, CO, 81505 | 8.7 | |
| Liberty Mutual Independent | Hub International | 2742 Crossroads Blvd, Grand Junction, CO, 81506 | 8.0 | |
| Farmers | Jim Fink | 2906 F Rd, Grand Junction, CO, 81504 | 5.7 |
| 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 |
| Mesa County, CO | $207,900 | $1,161 | $810 | $1,520 | $710 |
| Mesa County, CO | $207,900 | $1,161 | $810 | $1,520 | $710 |
| Orchard Mesa, CO | $171,300 | $819 | $570 | $1,070 | $500 |
| Grand Junction, CO | $197,600 | $1,136 | $800 | $1,490 | $690 |
| Loma, CO | $278,700 | $1,417 | $990 | $1,860 | $870 |
| Fruita, CO | $251,800 | $962 | $670 | $1,260 | $590 |
| Cedaredge, CO | $209,300 | $889 | $620 | $1,170 | $550 |
| Delta County, CO | $206,200 | $1,157 | $810 | $1,520 | $710 |
| Parachute, CO | $160,800 | $1,121 | $780 | $1,470 | $690 |
| Battlement Mesa, CO | $168,600 | $1,144 | $800 | $1,500 | $700 |
| Olathe, CO | $209,400 | $889 | $620 | $1,170 | $550 |
| Montrose County, CO | $202,500 | $1,148 | $800 | $1,500 | $700 |