How Can I Make My Durango, CO Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Durango, 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.
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Select the Suitable Coverage Value for your Durango, CO Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $130,000 | $110,000 | $100,000-$125,000 |
| 2 Bedroom | $341,000 | $280,000 | $350,000-$400,000 |
| 3 Bedroom | $323,000 | $310,000 | $350,000-$400,000 |
| 4 Bedroom | $402,000 | $350,000 | $400,000-$500,000 |
| 5 Bedroom | $502,500 | $440,000 | $400,000-$500,000 |
Estimate your Savings with Home Insurance Discounts in Durango, CO | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$215 | $1,051 |
| Superior Protection Discount | -$114 | $1,152 |
| Fire & Security Discount | -$139 | $1,127 |
| Hail Resistant Roof Discount | -$38 | $1,228 |
| Newly Constructed Home Discount | -$253 | $1,013 |
Choose the Right Deductible for your Durango, CO Home | Back to Top
| 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 |
| Durango, CO | $700 | $1,251 | $1,951 | $909 | $1,609 | $342 |
| La Plata County, CO | $200 | $1,462 | $1,662 | $1,062 | $1,262 | $399 |
| Dolores, CO | $2,000 | $1,331 | $3,331 | $967 | $2,967 | $364 |
| Ophir, CO | $300 | $2,063 | $2,363 | $1,499 | $1,799 | $564 |
| Cedar Hill, NM | $2,000 | $957 | $2,957 | $696 | $2,696 | $262 |
| La Plata, NM | $400 | $911 | $1,311 | $662 | $1,062 | $249 |
| Dolores County, CO | $2,000 | $824 | $2,824 | $599 | $2,599 | $225 |
| Ute Mountain, CO | $200 | $1,103 | $1,303 | $801 | $1,001 | $301 |
| Cortez, CO | $2,000 | $832 | $2,832 | $604 | $2,604 | $227 |
| Farmington, NM | $300 | $855 | $1,155 | $621 | $921 | $234 |
Identify Top Home Insurance Agents near Durango, CO | Back to Top
| Home Insurance Company Durango, CO | Homeowners Insurance Agency Durango, CO | Address | Popularity Score | Distance from Durango (miles) |
|---|---|---|---|---|
| State Farm | Denise Elliott | 25825 Highway 160, Durango, CO, 81301-7918 | 12.7 | |
| Travelers | Mackey Insurance Llc | 565 Village Dr Ste A, Pagosa Springs, CO, 81147 | 46.0 | |
| Farmers | Courtney Harshberger | 555 S Camino Del Rio # A3, Durango, CO, 81303 | 11.6 | |
| Travelers | Garver Insurance Agency | 17404 Hwy 145, Dolores, CO, 81323 | 36.0 | |
| State Farm | Truett Forrest | 452 Pagosa St, Pagosa Springs, CO, 81147 | 49.1 | |
| Farmers | Shari Jones | 555 S Camino Del Rio Ste A3, Durango, CO, 81303 | 11.6 | |
| State Farm | Jay Hwang | 207 E 11th St, Durango, CO, 81301-5235 | 9.7 | |
| Travelers | Wolcott Insurance Services Inc | 730 S Camino Del Rio, Durango, CO, 81301 | 11.9 | |
| Travelers | Wolcott Insurance Services Inc | 730 S. Camiono Del Rio, Durango, CO, 81301 | 11.9 | |
| Allstate | Natalie Rose | 2974 Main Ave, Durango, CO, 81301 | 8.2 |
Compare Rates for Durango, CO Home Insurance Providers | Back to Top
| 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 |
| Durango, CO | $412,000 | $1,266 | $890 | $1,660 | $770 |
| La Plata County, CO | $356,700 | $1,480 | $1,040 | $1,940 | $900 |
| Dolores, CO | $249,500 | $1,347 | $940 | $1,760 | $820 |
| Ophir, CO | $450,000 | $2,088 | $1,460 | $2,740 | $1,280 |
| Cedar Hill, NM | $218,700 | $969 | $690 | $1,340 | $650 |
| La Plata, NM | $192,400 | $922 | $630 | $1,270 | $640 |
| Dolores County, CO | $122,000 | $834 | $580 | $1,090 | $510 |
| Ute Mountain, CO | $159,100 | $1,116 | $780 | $1,460 | $680 |
| Cortez, CO | $183,000 | $842 | $590 | $1,100 | $510 |
| Farmington, NM | $175,800 | $865 | $590 | $1,230 | $640 |
Research Home Insurance Companies Reviews in Durango, CO Before Buying | Back to Top
Share a review on your home insurance company
State Farm Home Insurance Reviews
Date: May 24, 2019 Age: Above 60 Gender: Unmarried Marital Status: Female
Premium
With St. Farm I have a lower deductible and a reasonable monthly payment. And the policy is the same as the other insurance companies.
Date: March 06, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
The price of my insurance was very competitive compared to other companies both well known or not. My deductible is high but each insurance company was very similar when I raised or lowered it.
Date: December 10, 2018 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Policy Offerings
I don't think there are many differences except maybe pricing and customer service.
Date: November 12, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Premium
i FEEL THE PREMIUM IS VERY COMPARABLE TO OTHER INSURANCE COMPANIES IN MY AREA
Date: November 03, 2018 Age: Above 60 Gender: Female Marital Status: Married
Communication
They always know my name even if I havent been in in awhile, it's an extremely welcoming place i enjoy knowing they know me personally as it feels like they are able to offer me better service
USAA Home Insurance Reviews
Date: October 26, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Premium
We have found their pricing very affordable and can easily come up with any deductible if we had an emergency
Date: October 07, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Customer Service
I am extremely satisfied with USAA home insurance and rate them a 5. We use USAA for home and car insurance. Their customer service is wonderful
Date: July 17, 2019 Age: 20 to 29 Gender: Female Marital Status: Married
Premium
I am not completely sure about other deductibles and comparing to other companies, but I am very satisfied.
Date: April 10, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Policy Offerings
We've used both renter's insurance as well as home owner's from USAA and we never even compared companies. We do all our business with USAA and have never had a problem.
Date: January 28, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
My company has many choices for deductibles. The premiums are competitive in the market. Especially given the great coverage you recieve
Allstate Home Insurance Reviews
Date: September 13, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Policy Offerings
I like the fact that they show me everything that I am getting and what I am paying for to protect my home, which is what I like about Allstate.
Plummer Insurance Home Insurance Reviews
Date: January 02, 2019 Age: 50 to 59 Gender: Female Marital Status: Married
Customer Service
I called to process a claim and it was handled very quick. I received the paperwork by email and by mail. The person I spoke to was very knowledgeable about the process,