Gavop shows you how to buy homeowners insurance in Bayfield, CO by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bayfield, 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 | |
| Co Rd 503A, Stagecoach Rd, Pine Valley Rd, Co Rd 245, McCoy Ln, Bluebird Ln, Pine Ln, Pine Top Dr, Tucker Ln, N Cactus Dr | $209,500 | $170,000 | $175,000-$200,000 | $258,000 | $210,000 | $250,000-$300,000 |
| Mesa Loop Dr, Co Rd 505, Forest Lakes Dr, S Los Pinos Dr, Half Moon Cir, E Forest Lakes Dr, Pine Tree Dr, Brookside Ct, Buckhorn Loop, Tradewinds Ln | $322,500 | $280,000 | $350,000-$400,000 | $144,000 | $130,000 | $150,000-$175,000 |
| Duck Spring Trl, Lode Ln, N Juniper St, E Cedar Dr, Spruce Way, Placer Ln, Meadow Ln, Deer Ridge Dr, Fantango Rd, S Bear Creek Rd | $406,500 | $380,000 | $300,000-$350,000 | $283,500 | $240,000 | $250,000-$300,000 |
| Rustic Rd, Co Rd 225, Wapiti Dr, N Cedar Dr, Hogsarebeautiful Trl, Night Hawk Ln, Angels Dr, S East St, Elk Dr, Via Oeste Rd | $195,500 | $180,000 | $150,000-$175,000 | $167,500 | $140,000 | $150,000-$175,000 |
| Kremer Dr, Blue Ridge Dr, E Valleyview Dr, Co Rd 525, Kirk Ln, Blessing Way, W Grimes Ck Dr, Heartwood Ln, N Taylor Cir, Skyview Dr | $322,000 | $290,000 | $250,000-$300,000 | $255,000 | $210,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$155 | $877 |
| Superior Protection Discount | -$93 | $939 |
| Fire & Security Discount | -$93 | $939 |
| Hail Resistant Roof Discount | -$31 | $1,001 |
| Newly Constructed Home Discount | -$279 | $753 |
| 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 | $1,000 | $1,462 | $2,462 | $1,062 | $2,062 | $399 |
| Bayfield, CO | $2,500 | $1,019 | $3,519 | $741 | $3,241 | $279 |
| Arboles, CO | $500 | $1,444 | $1,944 | $1,050 | $1,550 | $395 |
| Lake City, CO | $1,000 | $1,524 | $2,524 | $1,108 | $2,108 | $417 |
| Portland, CO | $400 | $2,135 | $2,535 | $1,552 | $1,952 | $583 |
| Sawpit, CO | $700 | $2,376 | $3,076 | $1,727 | $2,427 | $649 |
| City of Creede, CO | $400 | $1,336 | $1,736 | $971 | $1,371 | $365 |
| Ouray County, CO | $1,000 | $1,034 | $2,034 | $751 | $1,751 | $283 |
| Rico, CO | $500 | $1,442 | $1,942 | $1,048 | $1,548 | $394 |
| Ridgway, CO | $2,500 | $1,682 | $4,182 | $1,222 | $3,722 | $460 |
| Aztec, NM | $500 | $706 | $1,206 | $513 | $1,013 | $193 |
| Dulce, NM | $1,000 | $744 | $1,744 | $541 | $1,541 | $203 |
| Home Insurance Company Bayfield, CO | Homeowners Insurance Agency Bayfield, CO | Address | Popularity Score | Distance from Bayfield (miles) |
|---|---|---|---|---|
| State Farm | Denise Elliott | 25825 Highway 160, Durango, CO, 81301-7918 | 24.3 | |
| Travelers | Mackey Insurance Llc | 565 Village Dr Ste A, Pagosa Springs, CO, 81147 | 32.4 | |
| Farmers | Courtney Harshberger | 555 S Camino Del Rio # A3, Durango, CO, 81303 | 23.9 | |
| State Farm | Truett Forrest | 452 Pagosa St, Pagosa Springs, CO, 81147 | 35.0 | |
| Farmers | Shari Jones | 555 S Camino Del Rio Ste A3, Durango, CO, 81303 | 23.9 | |
| State Farm | Jay Hwang | 207 E 11th St, Durango, CO, 81301-5235 | 22.7 | |
| Travelers | Wolcott Insurance Services Inc | 730 S Camino Del Rio, Durango, CO, 81301 | 23.9 | |
| Travelers | Wolcott Insurance Services Inc | 730 S. Camiono Del Rio, Durango, CO, 81301 | 23.9 | |
| Allstate | Natalie Rose | 2974 Main Ave, Durango, CO, 81301 | 21.4 | |
| State Farm | Wendy Most | 1315 Main Ave Ste 211, Durango, CO, 81301-5154 | 22.6 |
| 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 |
| Bayfield, CO | $292,000 | $1,032 | $720 | $1,350 | $630 |
| Arboles, CO | $296,400 | $1,462 | $1,020 | $1,920 | $900 |
| Lake City, CO | $325,400 | $1,543 | $1,080 | $2,020 | $940 |
| Portland, CO | $461,400 | $2,161 | $1,510 | $2,830 | $1,320 |
| Sawpit, CO | $512,500 | $2,405 | $1,680 | $3,150 | $1,470 |
| City of Creede, CO | $251,600 | $1,352 | $950 | $1,770 | $820 |
| Ouray County, CO | $420,600 | $1,046 | $730 | $1,370 | $640 |
| Rico, CO | $295,500 | $1,460 | $1,020 | $1,910 | $890 |
| Ridgway, CO | $372,200 | $1,702 | $1,190 | $2,230 | $1,040 |
| Aztec, NM | $154,300 | $715 | $510 | $990 | $480 |
| Dulce, NM | $107,200 | $753 | $500 | $1,040 | $540 |