Gavop's guide to buying homeowners insurance in St. Charles Mesa, 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 | $58,000 | $50,000 | $25,000-$50,000 |
| 2 Bedroom | $153,500 | $120,000 | $125,000-$150,000 |
| 3 Bedroom | $249,000 | $220,000 | $200,000-$250,000 |
| 4 Bedroom | $222,500 | $190,000 | $175,000-$200,000 |
| 5 Bedroom | $298,000 | $280,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$150 | $685 |
| Superior Protection Discount | -$84 | $752 |
| Fire & Security Discount | -$84 | $752 |
| Hail Resistant Roof Discount | -$17 | $819 |
| Newly Constructed Home Discount | -$192 | $643 |
| 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 |
| Pueblo County | $1,000 | $994 | $1,994 | $722 | $1,722 | $272 |
| St. Charles Mesa, CO | $700 | $825 | $1,525 | $600 | $1,300 | $226 |
| Blende, CO | $400 | $1,023 | $1,423 | $743 | $1,143 | $279 |
| Beulah Valley, CO | $1,000 | $1,148 | $2,148 | $834 | $1,834 | $314 |
| Williamsburg, CO | $400 | $961 | $1,361 | $699 | $1,099 | $263 |
| Ordway, CO | $1,000 | $638 | $1,638 | $464 | $1,464 | $174 |
| Lincoln Park, CO | $500 | $1,128 | $1,628 | $820 | $1,320 | $308 |
| El Paso County, CO | $2,500 | $1,214 | $3,714 | $882 | $3,382 | $332 |
| Huerfano County, CO | $100 | $869 | $969 | $631 | $731 | $237 |
| Westcliffe, CO | $2,000 | $1,328 | $3,328 | $965 | $2,965 | $363 |
| Victor, CO | $300 | $916 | $1,216 | $666 | $966 | $250 |
| Cripple Creek, CO | $2,000 | $1,136 | $3,136 | $826 | $2,826 | $311 |
| Home Insurance Company St. Charles Mesa, CO | Homeowners Insurance Agency St. Charles Mesa, CO | Address | Popularity Score | Distance from St. Charles Mesa (miles) |
|---|---|---|---|---|
| Allstate | The Trent Rundell Agency | 103 S 9th St, Canon City, CO, 81212 | 40.0 | |
| Travelers | Scott Anderson Agency Llc | 4291 Austin Bluff Pkwy 207, Colorado Springs, CO, 80918 | 47.9 | |
| Farmers | Michael Hendrickson | 24 S Weber St Ste 135, Colorado Springs, CO, 80903 | 44.8 | |
| Farmers | Molly Edrington | 200 W Main St, Florence, CO, 81226 | 32.8 | |
| Farmers | Bryan Vail | 5376 Tomah Dr Ste 201, Colorado Springs, CO, 80918 | 49.2 | |
| Travelers | Tag-Norton Insurance Agency Inc | 601 N Santa Fe Ave, Pueblo, CO, 81003 | 4.7 | |
| Allstate | Michael Jankovsky | 3225 Austin Bluffs Pkwy Ste 101, Colorado Springs, CO, 80918 | 47.8 | |
| Liberty Mutual Independent | Specialty Insurance Partners | 1221 Lake Plaza Dr Ste D, Colorado Springs, CO, 80906 | 42.1 | |
| Farmers | Art Ruiz | 4425 Austin Bluffs Pkwy, Colorado Springs, CO, 80918 | 47.9 | |
| Farmers | C Scott Kay | 2514 W Colorado Ave Ste 204, Colorado Springs, CO, 80904 | 46.5 |
| 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 |
| Pueblo County, CO | $148,000 | $1,006 | $700 | $1,320 | $620 |
| St. Charles Mesa, CO | $179,800 | $835 | $580 | $1,090 | $510 |
| Blende, CO | $133,900 | $1,035 | $720 | $1,360 | $640 |
| Beulah Valley, CO | $175,000 | $1,162 | $810 | $1,520 | $710 |
| Williamsburg, CO | $116,700 | $973 | $680 | $1,270 | $590 |
| Ordway, CO | $70,500 | $646 | $450 | $850 | $400 |
| Lincoln Park, CO | $167,900 | $1,142 | $800 | $1,500 | $700 |
| El Paso County, CO | $238,200 | $1,229 | $860 | $1,610 | $750 |
| Huerfano County, CO | $137,400 | $879 | $620 | $1,150 | $530 |
| Westcliffe, CO | $248,300 | $1,344 | $940 | $1,760 | $820 |
| Victor, CO | $105,100 | $927 | $650 | $1,210 | $560 |
| Cripple Creek, CO | $170,700 | $1,150 | $810 | $1,510 | $700 |