Gavop shows you how to buy homeowners insurance in Morgan 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $40,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $92,500 | $80,000 | $100,000-$125,000 |
| 3 Bedroom | $127,000 | $120,000 | $125,000-$150,000 |
| 4 Bedroom | $141,500 | $130,000 | $125,000-$150,000 |
| 5 Bedroom | $265,000 | $220,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$152 | $649 |
| Superior Protection Discount | -$72 | $729 |
| Fire & Security Discount | -$88 | $713 |
| Hail Resistant Roof Discount | -$24 | $777 |
| Newly Constructed Home Discount | -$208 | $593 |
| 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 |
| Morgan County | $700 | $792 | $1,492 | $575 | $1,275 | $216 |
| Morgan County, CO | $700 | $792 | $1,492 | $575 | $1,275 | $216 |
| Log Lane Village, CO | $400 | $800 | $1,200 | $582 | $982 | $219 |
| Wiggins, CO | $1,500 | $1,298 | $2,798 | $943 | $2,443 | $355 |
| , CO | $200 | $818 | $1,018 | $595 | $795 | $224 |
| Merino, CO | $2,500 | $983 | $3,483 | $714 | $3,214 | $269 |
| Keenesburg, CO | $300 | $1,209 | $1,509 | $879 | $1,179 | $330 |
| Grover, CO | $1,500 | $1,272 | $2,772 | $924 | $2,424 | $347 |
| Otis, CO | $300 | $1,047 | $1,347 | $761 | $1,061 | $286 |
| Home Insurance Company Morgan County, CO | Homeowners Insurance Agency Morgan County, CO | Address | Popularity Score | Distance from Morgan County (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Sonnenberg Agency Llc | 302 N 3rd St, Sterling, CO, 80751 | 40.4 | |
| State Farm | Mike Deutcher | 2324 23rd Ave, Greeley, CO, 80634 | 48.9 | |
| Liberty Mutual Independent | Goetz Insurors | 227 Main Street Fort Morgan, Fort Morgan, CO, 80701 | 1.0 | |
| Liberty Mutual Independent | Goetz Insurors | 227 Main St, Fort Morgan, CO, 80701 | 1.0 | |
| Liberty Mutual Independent | Goetz Insurors | 227 Main St, Fort Morgan, CO, 80701 | 1.0 | |
| Liberty Mutual Independent | Kersey Insurance & Investments | 318 1st St, Kersey, CO, 80644 | 40.9 | |
| State Farm | Everett Gonzales | 3257 W 20th St, Greeley, CO, 80634-6550 | 49.9 | |
| Allstate | Chris Lucio | 1221 8th Ave Ste D, Greeley, CO, 80631 | 47.9 | |
| Farmers | Brenda Robinett | 100 Broadway St Ste 25, Sterling, CO, 80751 | 41.0 | |
| Allstate | Ingmire-Phillips | 216 Clayton Po Box 406, Brush, CO, 80723 | 9.8 |
| 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 |
| Morgan County, CO | $162,900 | $801 | $560 | $1,050 | $490 |
| Morgan County, CO | $162,900 | $801 | $560 | $1,050 | $490 |
| Log Lane Village, CO | $78,700 | $810 | $570 | $1,060 | $490 |
| Wiggins, CO | $235,400 | $1,314 | $920 | $1,720 | $800 |
| , CO | $82,500 | $828 | $580 | $1,080 | $500 |
| Merino, CO | $122,600 | $995 | $700 | $1,300 | $600 |
| Keenesburg, CO | $198,300 | $1,224 | $860 | $1,600 | $740 |
| Grover, CO | $224,200 | $1,287 | $900 | $1,690 | $790 |
| Otis, CO | $141,400 | $1,060 | $740 | $1,390 | $650 |