Gavop's guide to buying homeowners insurance in Steamboat Springs, 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 | $181,500 | $150,000 | $175,000-$200,000 |
| 2 Bedroom | $254,500 | $240,000 | $250,000-$300,000 |
| 3 Bedroom | $474,500 | $400,000 | $500,000-$600,000 |
| 4 Bedroom | $734,500 | $600,000 | $800,000-$900,000 |
| 5 Bedroom | $954,000 | $860,000 | More than 10,000,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$179 | $873 |
| Superior Protection Discount | -$105 | $946 |
| Fire & Security Discount | -$105 | $946 |
| Hail Resistant Roof Discount | -$21 | $1,031 |
| Newly Constructed Home Discount | -$231 | $820 |
| 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 |
| Routt County | $1,500 | $1,093 | $2,593 | $795 | $2,295 | $299 |
| Steamboat Springs, CO | $2,000 | $1,039 | $3,039 | $755 | $2,755 | $284 |
| Routt County, CO | $100 | $1,093 | $1,193 | $795 | $895 | $299 |
| Walden, CO | $1,000 | $1,138 | $2,138 | $827 | $1,827 | $311 |
| Hayden, CO | $300 | $1,294 | $1,594 | $941 | $1,241 | $354 |
| Phippsburg, CO | $1,000 | $1,130 | $2,130 | $821 | $1,821 | $309 |
| Riverside, WY | $300 | $1,047 | $1,347 | $761 | $1,061 | $286 |
| Saratoga, WY | $700 | $1,078 | $1,778 | $783 | $1,483 | $295 |
| Craig, CO | $200 | $809 | $1,009 | $588 | $788 | $221 |
| Dixon, WY | $1,500 | $576 | $2,076 | $419 | $1,919 | $157 |
| Kremmling, CO | $300 | $1,278 | $1,578 | $929 | $1,229 | $349 |
| Home Insurance Company Steamboat Springs, CO | Homeowners Insurance Agency Steamboat Springs, CO | Address | Popularity Score | Distance from Steamboat Springs (miles) |
|---|---|---|---|---|
| Travelers | Draper Insurance Group | 115 W Victory Way, Craig, CO, 81625 | 42.7 | |
| Farmers | Debbie Montgomery | 509 Yampa Ave Ste 100, Craig, CO, 81625 | 42.7 | |
| Liberty Mutual Independent | Town & Country Insurance Inc | 1116 Park Ave, Kremmling, CO, 80459 | 47.5 | |
| Farmers | Bob Strong | 1495 Pine Grove Rd Ste 201a, Steamboat Springs, CO, 80487 | 15.2 | |
| Travelers | Town And Country Insurance Inc | 1116 E Park Ave, Kremmling, CO, 80459 | 47.5 | |
| State Farm | Jim Galt | 111 Central Avenue P.O. Box 1448, Kremmling, CO, 80459 | 40.9 | |
| State Farm | Debbie Aragon | 404 Oak Street, Steamboat Springs, CO, 80477-3957 | 14.0 | |
| Farmers | Nick Strong | 1495 Pine Grove Rd Ste 201a, Steamboat Springs, CO, 80487 | 15.2 | |
| Travelers | Alpine Insurance Agency Inc | 1169 Hilltop Parkway Suite 20, Steamboat Springs, CO, 80487 | 14.7 | |
| Farmers | E Bunk Lutcf | 95 W 6th St, Craig, CO, 81625 | 42.7 |
| 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 |
| Routt County, CO | $460,600 | $1,107 | $770 | $1,450 | $680 |
| Steamboat Springs, CO | $551,800 | $1,052 | $740 | $1,380 | $640 |
| Routt County, CO | $460,600 | $1,107 | $770 | $1,450 | $680 |
| Walden, CO | $171,300 | $1,152 | $810 | $1,510 | $700 |
| Hayden, CO | $233,900 | $1,310 | $920 | $1,720 | $800 |
| Phippsburg, CO | $168,600 | $1,144 | $800 | $1,500 | $700 |
| Riverside, WY | $191,700 | $1,060 | $710 | $1,510 | $800 |
| Saratoga, WY | $208,600 | $1,091 | $800 | $1,510 | $710 |
| Craig, CO | $171,000 | $818 | $570 | $1,070 | $500 |
| Dixon, WY | $64,000 | $583 | $400 | $830 | $430 |
| Kremmling, CO | $227,000 | $1,294 | $910 | $1,700 | $790 |