Gavop shows you how to buy homeowners insurance in Trinidad, CO by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $57,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $112,000 | $90,000 | $100,000-$125,000 |
| 3 Bedroom | $155,000 | $140,000 | $150,000-$175,000 |
| 4 Bedroom | $151,000 | $140,000 | $175,000-$200,000 |
| 5 Bedroom | $313,000 | $280,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$124 | $764 |
| Superior Protection Discount | -$80 | $808 |
| Fire & Security Discount | -$89 | $799 |
| Hail Resistant Roof Discount | -$27 | $861 |
| Newly Constructed Home Discount | -$186 | $701 |
| 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 |
| Las Animas County | $1,000 | $892 | $1,892 | $648 | $1,648 | $244 |
| Trinidad, CO | $1,000 | $877 | $1,877 | $637 | $1,637 | $240 |
| Starkville, CO | $500 | $895 | $1,395 | $651 | $1,151 | $245 |
| Jansen, CO | $2,500 | $1,040 | $3,540 | $756 | $3,256 | $284 |
| Cokedale, CO | $400 | $901 | $1,301 | $655 | $1,055 | $246 |
| Segundo, CO | $2,500 | $1,173 | $3,673 | $852 | $3,352 | $320 |
| Aguilar, CO | $400 | $1,154 | $1,554 | $839 | $1,239 | $315 |
| Model, CO | $1,500 | $1,095 | $2,595 | $796 | $2,296 | $299 |
| Folsom, NM | $100 | $734 | $834 | $533 | $633 | $201 |
| Maxwell, NM | $2,500 | $612 | $3,112 | $444 | $2,944 | $167 |
| Walsenburg, CO | $500 | $894 | $1,394 | $650 | $1,150 | $244 |
| Huerfano County, CO | $1,000 | $869 | $1,869 | $631 | $1,631 | $237 |
| Home Insurance Company Trinidad, CO | Homeowners Insurance Agency Trinidad, CO | Address | Popularity Score | Distance from Trinidad (miles) |
|---|---|---|---|---|
| Farmers | Jonathan Mangino | 251 N Commercial St, Trinidad, CO, 81082 | 4.6 | |
| State Farm | Laura Debella | 535 E Main St, Trinidad, CO, 81082-2762 | 4.3 | |
| State Farm | Fred Ettleman | 320 W 7th St, Walsenburg, CO, 81089 | 38.6 | |
| Travelers | Walsenburg Ins Center Inc | 521 Main St, Walsenburg, CO, 81089 | 38.7 | |
| Liberty Mutual Independent | Griego Insurance Agency Inc | 300 North Commercial, Trinidad, CO, 81082 | 4.6 | |
| Travelers | Aberdeen Associates | 521 Main Street, Walsenburg, CO, 81089 | 38.7 | |
| Allstate | Griego Ins Agy Inc | 300 N Commercial St, Trinidad, CO, 81082 | 4.6 | |
| Travelers | Century Administrative Services Inc | 109 W Main, Trinidad, CO, 81082 | 4.5 | |
| Liberty Mutual Independent | Griego Insurance Agency Inc | 300 N Commercial St, Trinidad, CO, 81082 | 4.6 | |
| Liberty Mutual Independent | Griego Insurance Agency Inc | 300 N Commercial St, Trinidad, CO, 81082 | 4.6 |
| 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 |
| Las Animas County, CO | $145,900 | $903 | $630 | $1,180 | $550 |
| Trinidad, CO | $140,500 | $888 | $620 | $1,160 | $540 |
| Starkville, CO | $100,000 | $906 | $630 | $1,190 | $560 |
| Jansen, CO | $139,200 | $1,053 | $740 | $1,380 | $640 |
| Cokedale, CO | $101,600 | $912 | $640 | $1,190 | $550 |
| Segundo, CO | $184,100 | $1,187 | $830 | $1,550 | $720 |
| Aguilar, CO | $177,200 | $1,168 | $820 | $1,530 | $710 |
| Model, CO | $156,300 | $1,108 | $780 | $1,450 | $670 |
| Folsom, NM | $103,100 | $743 | $530 | $1,060 | $530 |
| Maxwell, NM | $56,300 | $619 | $430 | $860 | $430 |
| Walsenburg, CO | $99,800 | $905 | $630 | $1,190 | $560 |
| Huerfano County, CO | $137,400 | $879 | $620 | $1,150 | $530 |