Gavop's guide to buying homeowners insurance in Ouray 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 | $106,500 | $90,000 | $125,000-$150,000 |
| 2 Bedroom | $354,500 | $300,000 | $400,000-$500,000 |
| 3 Bedroom | $467,500 | $380,000 | $400,000-$500,000 |
| 4 Bedroom | $418,000 | $380,000 | $400,000-$500,000 |
| 5 Bedroom | $930,500 | $750,000 | $800,000-$900,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$94 | $952 |
| Home and Two Car | -$167 | $879 |
| Home and Three Car | -$241 | $806 |
| 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 |
| Ouray County | $2,000 | $1,034 | $3,034 | $751 | $2,751 | $283 |
| Ouray County, CO | $2,000 | $1,034 | $3,034 | $751 | $2,751 | $283 |
| Loghill Village, CO | $100 | $2,457 | $2,557 | $1,786 | $1,886 | $671 |
| Mountain Village, CO | $1,000 | $2,848 | $3,848 | $2,070 | $3,070 | $778 |
| Ophir, CO | $400 | $2,063 | $2,463 | $1,499 | $1,899 | $564 |
| Norwood, CO | $1,000 | $1,385 | $2,385 | $1,007 | $2,007 | $379 |
| Olathe, CO | $500 | $879 | $1,379 | $639 | $1,139 | $240 |
| Montrose County, CO | $1,000 | $1,134 | $2,134 | $824 | $1,824 | $310 |
| Delta, CO | $200 | $818 | $1,018 | $594 | $794 | $223 |
| Nucla, CO | $1,500 | $1,154 | $2,654 | $839 | $2,339 | $315 |
| Home Insurance Company Ouray County, CO | Homeowners Insurance Agency Ouray County, CO | Address | Popularity Score | Distance from Ouray County (miles) |
|---|---|---|---|---|
| State Farm | Tim Tinaza | 219 E Main St Apt A, Montrose, CO, 81401-3665 | 23.4 | |
| State Farm | Adam Hancock | 1425 Hawk Parkway, Montrose, CO, 81401-6452 | 21.3 | |
| State Farm | Jerry Reiher | 540 Main St Ste 102, Delta, CO, 81416-1834 | 43.8 | |
| State Farm | Mike Trujillo | 2019 S Townsend Ave, Montrose, CO, 81401-5444 | 22.3 | |
| Travelers | Pete Tarr Insurance | 253 W 5th, Delta, CO, 81416 | 43.9 | |
| State Farm | Kevin Parks | 126 E 5th St, Delta, CO, 81416-1903 | 43.9 | |
| Travelers | Insurance Of The San Juans | 1825 E Main St Ste B, Montrose, CO, 81401 | 23.8 | |
| Allstate | Mtn Agency Montrose | 540 East Main, Montrose, CO, 81401 | 23.5 | |
| Travelers | Mcgregor Insurance Agency Inc | 321 W Bridge St, Hotchkiss, CO, 81419 | 44.8 | |
| Liberty Mutual Independent | Tag - Michael Bates | 1624 Election Way, Montrose, CO, 81401 | 22.2 |
| 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 |
| Ouray County, CO | $420,600 | $1,046 | $730 | $1,370 | $640 |
| Ouray County, CO | $420,600 | $1,046 | $730 | $1,370 | $640 |
| Loghill Village, CO | $537,000 | $2,487 | $1,740 | $3,260 | $1,520 |
| Mountain Village, CO | $661,800 | $2,883 | $2,020 | $3,780 | $1,760 |
| Ophir, CO | $450,000 | $2,088 | $1,460 | $2,740 | $1,280 |
| Norwood, CO | $272,300 | $1,402 | $980 | $1,840 | $860 |
| Olathe, CO | $209,400 | $889 | $620 | $1,170 | $550 |
| Montrose County, CO | $202,500 | $1,148 | $800 | $1,500 | $700 |
| Delta, CO | $175,900 | $828 | $580 | $1,080 | $500 |
| Nucla, CO | $177,300 | $1,168 | $820 | $1,530 | $710 |