Gavop's guide to buying homeowners insurance in Garfield 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.
| Garfield County, 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 | |
| W 9th St, Buggy Cir, W 2nd St, Vista Dr, Smokey Hill Ct, Co Rd 137, Co Rd 163, Diamond A Ranch Rd, Buford Rd, Arabian Ave | $308,500 | $280,000 | $250,000-$300,000 | $162,500 | $140,000 | $125,000-$150,000 |
| Elm Ct, Blue Heron, Mesa Dr, Lupine Ln, Co Hwy 349, Mount Sopris Dr, Brush Creek Rd, Cr 301, Co Rd 346, Rulison - Parachute Ln | $204,000 | $180,000 | $200,000-$250,000 | $178,000 | $160,000 | $150,000-$175,000 |
| Rainbow Trl, Holland Thompson Dr, Co Hwy 209, Lariat Rd, Chelyn Rd, Village Rd, Co Hwy 293, Silver King Ct, Co Rd 308, Sparrow Hawk Dr | $222,500 | $180,000 | $200,000-$250,000 | $141,500 | $120,000 | $125,000-$150,000 |
| Co Hwy 204, E Silver Bell Pl, Co Rd 165, Gambel Oak Way, Peterson Ln, Three Mile Rd, W Yale Cir, Co Rd 337, Knuckels Creek Rd, Willow Way | $207,500 | $170,000 | $175,000-$200,000 | $143,500 | $130,000 | $125,000-$150,000 |
| Brown Ct, S Grand Ave, Hallett Ave, Cedar Creek, Laird Ln, Co Rd 100, Pitkin Ave, Larkspur Pl, 1st St, E 4th St | $395,500 | $380,000 | $350,000-$400,000 | $469,000 | $400,000 | $400,000-$500,000 |
| W 8th Pl, Meadow Ln, Co Rd 131, Grand Butte Ln, Transfer Trl, Co Rd 340, Stage Coach Ln, W Tamarack Cir, Spring Wagon Ct, Dry Park Rd | $293,000 | $270,000 | $300,000-$350,000 | $169,000 | $150,000 | $175,000-$200,000 |
| Empire Ct, Co Rd 334A, Storm King Rd, Battlement Creek Trl, Silver Plume Dr, White Horse Pl, Devereux Rd, N 6th St, Van Horn Ln, Surrey St | $169,000 | $140,000 | $125,000-$150,000 | $109,500 | $100,000 | $100,000-$125,000 |
| Co Rd 325, Stillwell Ave, 1st Ave, Co Rd 121, Sun King Rte 168, Sebree Pl, Cooper Pl, Co Rd 319, Cheyenne Ave, Trappers Lake Rd | $193,000 | $170,000 | $200,000-$250,000 | $128,000 | $100,000 | $125,000-$150,000 |
| Willow Cir, Kim Dr, E 26th St, Elk Run Rd, Cattle Creek Ridge Rd, Anvil View Ave, Sunlight Dr, Spruce Crk Rd, Kingfisher Ln, Grand Ave | $247,500 | $220,000 | $200,000-$250,000 | $153,000 | $140,000 | $150,000-$175,000 |
| Laurel St, June St, Eldora Dr, Silver Mt Dr, Co Rd 233, Latigo Loop, Co Rd 301, Co Rd 262, Old Orchard, Sprucewood Ln | $362,000 | $300,000 | $300,000-$350,000 | $268,500 | $240,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$221 | $1,163 |
| Superior Protection Discount | -$125 | $1,260 |
| Fire & Security Discount | -$125 | $1,260 |
| Hail Resistant Roof Discount | -$42 | $1,343 |
| Newly Constructed Home Discount | -$388 | $997 |
| 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 |
| Garfield County | $1,000 | $1,368 | $2,368 | $994 | $1,994 | $374 |
| Garfield County, CO | $1,500 | $1,368 | $2,868 | $994 | $2,494 | $374 |
| Parachute, CO | $300 | $1,108 | $1,408 | $805 | $1,105 | $303 |
| Meeker, CO | $700 | $1,290 | $1,990 | $938 | $1,638 | $353 |
| Rio Blanco County, CO | $500 | $865 | $1,365 | $628 | $1,128 | $236 |
| Glenwood Springs, CO | $2,000 | $1,123 | $3,123 | $816 | $2,816 | $307 |
| Carbondale, CO | $200 | $1,085 | $1,285 | $788 | $988 | $296 |
| Palisade, CO | $2,500 | $1,169 | $3,669 | $849 | $3,349 | $319 |
| Clifton, CO | $500 | $798 | $1,298 | $580 | $1,080 | $218 |
| Cedaredge, CO | $700 | $879 | $1,579 | $639 | $1,339 | $240 |
| Fruitvale, CO | $500 | $838 | $1,338 | $609 | $1,109 | $229 |
| Home Insurance Company Garfield County, CO | Homeowners Insurance Agency Garfield County, CO | Address | Popularity Score | Distance from Garfield County (miles) |
|---|---|---|---|---|
| Travelers | Rifle Insurance Agency | 450 West Ave #104, Rifle, CO, 81650 | 8.1 | |
| State Farm | Todd Fugate | 590 Hwy 133, Carbondale, CO, 81623-1884 | 39.1 | |
| Allstate | Kyle Turley | 1910 N 12th St Ste A, Grand Junction, CO, 81501 | 49.4 | |
| Liberty Mutual Independent | Hub International | 2742 Crossroads Blvd, Grand Junction, CO, 81506 | 47.6 | |
| State Farm | Eric Lusby | 2584 Patterson Road, Grand Junction, CO, 81505-1445 | 49.9 | |
| Liberty Mutual Independent | Moody-Valley Insurance Agency | 760 Horizon Dr Ste 302, Grand Junction, CO, 81506 | 47.2 | |
| Farmers | Jim Fink | 2906 F Rd, Grand Junction, CO, 81504 | 47.7 | |
| State Farm | Wayne Harris | 227 Cody Ln Unit 201, Basalt, CO, 81621-7601 | 49.6 | |
| Allstate | Chuck Campagna | 818 Grand Ave Ste C, Glenwood Springs, CO, 81601 | 31.5 | |
| Farmers | Dan Geer | 2718 Patterson Rd, Grand Junction, CO, 81506 | 49.0 |
| 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 |
| Garfield County, CO | $323,800 | $1,384 | $970 | $1,810 | $840 |
| Garfield County, CO | $323,800 | $1,384 | $970 | $1,810 | $840 |
| Parachute, CO | $160,800 | $1,121 | $780 | $1,470 | $690 |
| Meeker, CO | $232,100 | $1,306 | $910 | $1,710 | $800 |
| Rio Blanco County, CO | $201,000 | $875 | $610 | $1,150 | $540 |
| Glenwood Springs, CO | $449,600 | $1,136 | $800 | $1,490 | $690 |
| Carbondale, CO | $458,000 | $1,098 | $770 | $1,440 | $670 |
| Palisade, CO | $182,800 | $1,183 | $830 | $1,550 | $720 |
| Clifton, CO | $166,000 | $808 | $570 | $1,060 | $490 |
| Cedaredge, CO | $209,300 | $889 | $620 | $1,170 | $550 |
| Fruitvale, CO | $186,500 | $848 | $590 | $1,110 | $520 |