Gavop shows you how to buy homeowners insurance in La Plata County, CO by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| La Plata County, CO - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| E South St, Delwood Ave, Rim Dr, Raven Ridge Dr, E 4th St, Lake Shore Dr, Waters Way, Richard Dr, N Apaloosa Ln, Co Rd 302 | $284,000 | $250,000 | $250,000-$300,000 | $157,000 | $150,000 | $150,000-$175,000 |
| Oak Ridge Pl, Brookside Ct, Tres Aguas Rd, E 30th St, E Saguaro St, Sandia Cir, Hilltop Cir, Lower Rd, Colonial Dr, Reber Cir | $211,500 | $170,000 | $200,000-$250,000 | $207,000 | $190,000 | $150,000-$175,000 |
| E Pony Ln, Hermosa Ave, Boletus Creek Dr, E 3rd Ave, Ridge Rd, Delwood Ave, Hermosa Dr, Russett Ridge St, Navajo St, Romero Ave | $210,000 | $190,000 | $200,000-$250,000 | $200,000 | $180,000 | $150,000-$175,000 |
| Lakin St, Kirby Ln, Zahrt Dr, College Dr, Woodcrest Dr, E 36th St, Solitude Trl, Indian Bend, Bennett St, Co Rd 334 | $162,500 | $150,000 | $125,000-$150,000 | $131,500 | $110,000 | $150,000-$175,000 |
| Limestone Ct, Dry Gulch Rd, Co Rd 122A, Ranchos Florida Dr, Spruce Way, Tierra Verde Cir, Dyke Canyon Trl, Co Rd 508, Spectrum Ln, Cr 521 | $374,500 | $330,000 | $300,000-$350,000 | $248,000 | $230,000 | $250,000-$300,000 |
| Spring Creek Dr, Cascade Dr, Red Bluf Rd, Ponderosa Homes Rd, Horse Gulch Loop, Co Rd 316, Cherokee, Chelsey Ln, Co Rd 512, la Posta Canyon Rd | $396,000 | $340,000 | $300,000-$350,000 | $218,500 | $190,000 | $175,000-$200,000 |
| Junction St, Sunset Meadows Dr, Vaca Pl, Blue Sky Dr, Hogsarebeautiful Trl, S Pearl St, Quarter Horse Rd, Cherry Valley Rd, Co Rd 518, Oak Rd | $207,000 | $180,000 | $200,000-$250,000 | $249,500 | $230,000 | $200,000-$250,000 |
| Co Rd 335, Needle Creek Trl, Midiron Ct, Hope Ln, E 7th Ave, Sunset Ln, Red Bluff Rd, Cliffs Edge Dr, Long Hollow Ln, Co Rd 117 | $208,500 | $180,000 | $200,000-$250,000 | $261,500 | $210,000 | $250,000-$300,000 |
| Turkey Trl, Jacques Rd, Co Rd 245, N Cactus Dr, Co Rd 234A, Laughing Dog Ln, Woodland Cir, US Hwy 160B, 29th St, S Elk Run | $448,000 | $400,000 | $400,000-$500,000 | $268,000 | $230,000 | $250,000-$300,000 |
| Co Rd 523, Hummingbird Ln, Roosa Ave, May Rose Ln, Forest Ridge Rd, Bodo Dr, Sunset Cir, Unnamed Rd, Hilltop North Dr, Riverview Ranch Rd | $266,500 | $240,000 | $250,000-$300,000 | $138,000 | $120,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$252 | $1,228 |
| Superior Protection Discount | -$148 | $1,332 |
| Fire & Security Discount | -$118 | $1,361 |
| Hail Resistant Roof Discount | -$30 | $1,450 |
| Newly Constructed Home Discount | -$370 | $1,110 |
| 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 |
| La Plata County | $1,500 | $1,462 | $2,962 | $1,062 | $2,562 | $399 |
| La Plata County, CO | $2,000 | $1,462 | $3,462 | $1,062 | $3,062 | $399 |
| Ignacio, CO | $500 | $962 | $1,462 | $699 | $1,199 | $263 |
| Spencerville, NM | $2,500 | $793 | $3,293 | $577 | $3,077 | $217 |
| San Juan County, CO | $400 | $1,378 | $1,778 | $1,002 | $1,402 | $377 |
| Ophir, CO | $500 | $2,063 | $2,563 | $1,499 | $1,999 | $564 |
| Lee Acres, NM | $1,000 | $706 | $1,706 | $513 | $1,513 | $193 |
| Mountain Village, CO | $100 | $2,848 | $2,948 | $2,070 | $2,170 | $778 |
| Bloomfield, NM | $1,000 | $676 | $1,676 | $491 | $1,491 | $185 |
| Kirtland, NM | $100 | $773 | $873 | $562 | $662 | $211 |
| Nenahnezad, NM | $700 | $595 | $1,295 | $432 | $1,132 | $163 |
| Home Insurance Company La Plata County, CO | Homeowners Insurance Agency La Plata County, CO | Address | Popularity Score | Distance from La Plata County (miles) |
|---|---|---|---|---|
| State Farm | Denise Elliott | 25825 Highway 160, Durango, CO, 81301-7918 | 4.0 | |
| Travelers | Mackey Insurance Llc | 565 Village Dr Ste A, Pagosa Springs, CO, 81147 | 42.4 | |
| Farmers | Courtney Harshberger | 555 S Camino Del Rio # A3, Durango, CO, 81303 | 3.4 | |
| Travelers | Garver Insurance Agency | 17404 Hwy 145, Dolores, CO, 81323 | 40.1 | |
| Farmers | Shari Jones | 555 S Camino Del Rio Ste A3, Durango, CO, 81303 | 3.4 | |
| State Farm | Jay Hwang | 207 E 11th St, Durango, CO, 81301-5235 | 2.3 | |
| Liberty Mutual Independent | Wolcott Insurance Services Inc | 730 S Camino Del Rio, Durango, CO, 81301 | 3.5 | |
| Liberty Mutual Independent | Wolcott Insurance Services Inc | 730 S. Camiono Del Rio, Durango, CO, 81301 | 3.5 | |
| Allstate | Natalie Rose | 2974 Main Ave, Durango, CO, 81301 | 1.9 | |
| State Farm | Wendy Most | 1315 Main Ave Ste 211, Durango, CO, 81301-5154 | 2.3 |
| 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 |
| La Plata County, CO | $356,700 | $1,480 | $1,040 | $1,940 | $900 |
| La Plata County, CO | $356,700 | $1,480 | $1,040 | $1,940 | $900 |
| Ignacio, CO | $258,800 | $973 | $680 | $1,280 | $600 |
| Spencerville, NM | $130,000 | $803 | $590 | $1,130 | $540 |
| San Juan County, CO | $269,400 | $1,395 | $980 | $1,830 | $850 |
| Ophir, CO | $450,000 | $2,088 | $1,460 | $2,740 | $1,280 |
| Lee Acres, NM | $154,200 | $715 | $490 | $990 | $500 |
| Mountain Village, CO | $661,800 | $2,883 | $2,020 | $3,780 | $1,760 |
| Bloomfield, NM | $135,200 | $684 | $490 | $940 | $450 |
| Kirtland, NM | $198,000 | $783 | $520 | $1,090 | $570 |
| Nenahnezad, NM | $50,900 | $602 | $420 | $850 | $430 |