Gavop's guide to buying homeowners insurance in Estes Park, 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 | $102,000 | $90,000 | $100,000-$125,000 |
| 2 Bedroom | $167,000 | $150,000 | $150,000-$175,000 |
| 3 Bedroom | $264,500 | $210,000 | $250,000-$300,000 |
| 4 Bedroom | $456,000 | $400,000 | $400,000-$500,000 |
| 5 Bedroom | $585,000 | $510,000 | $600,000-$700,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$154 | $809 |
| Superior Protection Discount | -$96 | $867 |
| Fire & Security Discount | -$67 | $896 |
| Hail Resistant Roof Discount | -$19 | $944 |
| Newly Constructed Home Discount | -$193 | $771 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,095 |
| Physical Damage | $2,319 |
| Hail Damage | $4,571 |
| Wind Damage | $6,560 |
| Expensive Claims | |
| Fire | $45,570 |
| Smoke | $17,556 |
| Home Insurance Company Estes Park, CO | Homeowners Insurance Agency Estes Park, CO | Address | Popularity Score | Distance from Estes Park (miles) |
|---|---|---|---|---|
| Allstate | Catherine Davis | 400 S Mccaslin Blvd Ste 200, Louisville, CO, 80027 | 42.3 | |
| Allstate | Dino Dicarlo | 695 Pierce St Ste 120, Erie, CO, 80516 | 41.8 | |
| State Farm | Susan Fereday | 501 Saint Vrain Ln Unit 203, Estes Park, CO, 80517-5407 | 9.2 | |
| State Farm | Tony Schwappach | 1600 38th St Ste 101, Boulder, CO, 80301-2610 | 37.0 | |
| Allstate | Jodi Lynch | 939 Coffman St, Longmont, CO, 80501 | 34.1 | |
| State Farm | Jim Spencer | 9100 W 100th Ave Ste B2, Westminster, CO, 80021-6808 | 49.1 | |
| Travelers | Rich & Cartmill Insurance Of Colorado | 8213 W 20th St, Greeley, CO, 80634 | 43.0 | |
| State Farm | Mike Segeth | 5760 W 120th Ave Ste 100, Broomfield, CO, 80020-6938 | 48.4 | |
| State Farm | Kelly Eyen | 4770 Baseline Rd Ste 120, Boulder, CO, 80303-2667 | 38.2 | |
| Travelers | Northern Colorado Insurance Services Llc | 525 N Denver Ave, Loveland, CO, 80537 | 31.1 |
| 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 |
| Larimer County, CO | $306,600 | $1,341 | $940 | $1,760 | $820 |
| Estes Park, CO | $368,800 | $963 | $670 | $1,260 | $590 |
| Grand Lake, CO | $330,000 | $1,557 | $1,090 | $2,040 | $950 |
| Loveland, CO | $286,800 | $1,294 | $910 | $1,700 | $790 |
| Berthoud, CO | $345,100 | $1,005 | $700 | $1,320 | $620 |
| Paragon Estates, CO | $894,100 | $601 | $420 | $790 | $370 |
| Eldorado Springs, CO | $822,900 | $569 | $400 | $750 | $350 |
| Kremmling, CO | $227,000 | $1,294 | $910 | $1,700 | $790 |
| Dacono, CO | $209,100 | $1,251 | $880 | $1,640 | $760 |
| Evans, CO | $174,800 | $825 | $580 | $1,080 | $500 |
| Westminster, CO | $273,500 | $1,265 | $890 | $1,660 | $770 |