Gavop's guide to buying homeowners insurance in Telluride, 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 | $177,500 | $160,000 | $175,000-$200,000 |
| 2 Bedroom | $398,500 | $350,000 | $400,000-$500,000 |
| 3 Bedroom | $538,000 | $460,000 | $400,000-$500,000 |
| 4 Bedroom | $619,500 | $530,000 | $600,000-$700,000 |
| 5 Bedroom | $1,108,500 | $890,000 | More than 10,000,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$188 | $858 |
| Superior Protection Discount | -$105 | $942 |
| Fire & Security Discount | -$94 | $952 |
| Hail Resistant Roof Discount | -$21 | $1,026 |
| Newly Constructed Home Discount | -$251 | $795 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,914 |
| Physical Damage | $2,464 |
| Hail Damage | $4,476 |
| Wind Damage | $6,114 |
| Expensive Claims | |
| Fire | $45,570 |
| Smoke | $16,553 |
| Home Insurance Company Telluride, CO | Homeowners Insurance Agency Telluride, CO | Address | Popularity Score | Distance from Telluride (miles) |
|---|---|---|---|---|
| State Farm | Tim Tinaza | 219 E Main St Apt A, Montrose, CO, 81401-3665 | 36.4 | |
| Farmers | Courtney Harshberger | 555 S Camino Del Rio # A3, Durango, CO, 81303 | 49.0 | |
| State Farm | Adam Hancock | 1425 Hawk Parkway, Montrose, CO, 81401-6452 | 34.5 | |
| Travelers | Garver Insurance Agency | 17404 Hwy 145, Dolores, CO, 81323 | 46.1 | |
| State Farm | Mike Trujillo | 2019 S Townsend Ave, Montrose, CO, 81401-5444 | 35.6 | |
| Farmers | Shari Jones | 555 S Camino Del Rio Ste A3, Durango, CO, 81303 | 49.0 | |
| State Farm | Jay Hwang | 207 E 11th St, Durango, CO, 81301-5235 | 47.1 | |
| Travelers | Wolcott Insurance Services Inc | 730 S Camino Del Rio, Durango, CO, 81301 | 49.3 | |
| Travelers | Wolcott Insurance Services Inc | 730 S. Camiono Del Rio, Durango, CO, 81301 | 49.3 | |
| Allstate | Natalie Rose | 2974 Main Ave, Durango, CO, 81301 | 45.6 |
| 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 |
| San Miguel County, CO | $485,000 | $1,196 | $840 | $1,570 | $730 |
| Telluride, CO | $608,400 | $1,046 | $730 | $1,370 | $640 |
| Ophir, CO | $450,000 | $2,088 | $1,460 | $2,740 | $1,280 |
| Ouray County, CO | $420,600 | $1,046 | $730 | $1,370 | $640 |
| Ouray, CO | $420,600 | $1,920 | $1,340 | $2,520 | $1,180 |
| Portland, CO | $461,400 | $2,161 | $1,510 | $2,830 | $1,320 |
| Norwood, CO | $272,300 | $1,402 | $980 | $1,840 | $860 |
| Rico, CO | $295,500 | $1,460 | $1,020 | $1,910 | $890 |
| Redvale, CO | $176,400 | $1,166 | $820 | $1,530 | $710 |
| Durango, CO | $412,000 | $1,266 | $890 | $1,660 | $770 |
| West San Miguel, CO | $202,500 | $1,234 | $860 | $1,620 | $760 |
| La Plata County, CO | $356,700 | $1,480 | $1,040 | $1,940 | $900 |