Gavop's guide to buying homeowners insurance in Dolores 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 | $48,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $141,500 | $130,000 | $150,000-$175,000 |
| 3 Bedroom | $125,000 | $110,000 | $100,000-$125,000 |
| 4 Bedroom | $284,500 | $230,000 | $300,000-$350,000 |
| 5 Bedroom | $213,500 | $180,000 | $250,000-$300,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$75 | $759 |
| Home and Two Car | -$142 | $692 |
| Home and Three Car | -$200 | $634 |
| 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 |
| Dolores County | $2,500 | $824 | $3,324 | $599 | $3,099 | $225 |
| Dolores County, CO | $1,500 | $824 | $2,324 | $599 | $2,099 | $225 |
| Dolores, CO | $400 | $1,331 | $1,731 | $967 | $1,367 | $364 |
| Dove Creek, CO | $700 | $955 | $1,655 | $694 | $1,394 | $261 |
| Norwood, CO | $300 | $1,385 | $1,685 | $1,007 | $1,307 | $379 |
| Montezuma County, CO | $1,000 | $859 | $1,859 | $624 | $1,624 | $235 |
| Pleasant View, CO | $300 | $1,352 | $1,652 | $982 | $1,282 | $369 |
| Naturita, CO | $2,000 | $925 | $2,925 | $672 | $2,672 | $253 |
| Sawpit, CO | $100 | $2,376 | $2,476 | $1,727 | $1,827 | $649 |
| Ophir, CO | $2,000 | $2,063 | $4,063 | $1,499 | $3,499 | $564 |
| San Juan County, CO | $500 | $1,378 | $1,878 | $1,002 | $1,502 | $377 |
| La Plata County, CO | $1,500 | $1,462 | $2,962 | $1,062 | $2,562 | $399 |
| Home Insurance Company Dolores County, CO | Homeowners Insurance Agency Dolores County, CO | Address | Popularity Score | Distance from Dolores County (miles) |
|---|---|---|---|---|
| Farmers | Courtney Harshberger | 555 S Camino Del Rio # A3, Durango, CO, 81303 | 49.9 | |
| Travelers | Garver Insurance Agency | 17404 Hwy 145, Dolores, CO, 81323 | 19.6 | |
| Farmers | Shari Jones | 555 S Camino Del Rio Ste A3, Durango, CO, 81303 | 49.9 | |
| State Farm | Jay Hwang | 207 E 11th St, Durango, CO, 81301-5235 | 48.4 | |
| Allstate | Natalie Rose | 2974 Main Ave, Durango, CO, 81301 | 47.7 | |
| State Farm | Wendy Most | 1315 Main Ave Ste 211, Durango, CO, 81301-5154 | 48.3 | |
| State Farm | Dennis Morita | 25 N Harrison St, Cortez, CO, 81321-3313 | 27.6 | |
| Allstate | Valerie Muldez | 3750 Main Ave Ste 4, Durango, CO, 81301 | 47.5 | |
| Liberty Mutual Independent | Co-West Of Cortez | 301 W Montezuma Ave, Cortez, CO, 81321 | 27.6 | |
| State Farm | Ricky King | 303 E Main St, Cortez, CO, 81321-3241 | 27.7 |
| 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 |
| Dolores County, CO | $122,000 | $834 | $580 | $1,090 | $510 |
| Dolores County, CO | $122,000 | $834 | $580 | $1,090 | $510 |
| Dolores, CO | $249,500 | $1,347 | $940 | $1,760 | $820 |
| Dove Creek, CO | $115,100 | $967 | $680 | $1,270 | $590 |
| Norwood, CO | $272,300 | $1,402 | $980 | $1,840 | $860 |
| Montezuma County, CO | $197,900 | $870 | $610 | $1,140 | $530 |
| Pleasant View, CO | $258,200 | $1,368 | $960 | $1,790 | $830 |
| Naturita, CO | $107,400 | $936 | $660 | $1,230 | $570 |
| Sawpit, CO | $512,500 | $2,405 | $1,680 | $3,150 | $1,470 |
| Ophir, CO | $450,000 | $2,088 | $1,460 | $2,740 | $1,280 |
| San Juan County, CO | $269,400 | $1,395 | $980 | $1,830 | $850 |
| La Plata County, CO | $356,700 | $1,480 | $1,040 | $1,940 | $900 |