Gavop shows you how to buy homeowners insurance in Pagosa Springs, 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 | $115,000 | $100,000 | $125,000-$150,000 |
| 2 Bedroom | $189,500 | $180,000 | $150,000-$175,000 |
| 3 Bedroom | $249,500 | $220,000 | $200,000-$250,000 |
| 4 Bedroom | $543,500 | $440,000 | $500,000-$600,000 |
| 5 Bedroom | $835,500 | $730,000 | $700,000-$800,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$80 | $916 |
| Home and Two Car | -$169 | $826 |
| Home and Three Car | -$249 | $747 |
| 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 |
| Archuleta County | $2,000 | $988 | $2,988 | $718 | $2,718 | $270 |
| Pagosa Springs, CO | $1,000 | $983 | $1,983 | $715 | $1,715 | $269 |
| West Conejos, CO | $500 | $1,038 | $1,538 | $755 | $1,255 | $284 |
| Mineral County, CO | $2,500 | $996 | $3,496 | $724 | $3,224 | $272 |
| South Fork, CO | $1,500 | $1,317 | $2,817 | $957 | $2,457 | $360 |
| Southern Ute, CO | $400 | $1,374 | $1,774 | $999 | $1,399 | $376 |
| Ignacio, CO | $2,000 | $962 | $2,962 | $699 | $2,699 | $263 |
| Tierra Amarilla, NM | $400 | $973 | $1,373 | $707 | $1,107 | $266 |
| Bayfield, CO | $700 | $1,019 | $1,719 | $741 | $1,441 | $279 |
| City of Creede, CO | $400 | $1,336 | $1,736 | $971 | $1,371 | $365 |
| Home Insurance Company Pagosa Springs, CO | Homeowners Insurance Agency Pagosa Springs, CO | Address | Popularity Score | Distance from Pagosa Springs (miles) |
|---|---|---|---|---|
| Travelers | Mackey Insurance Llc | 565 Village Dr Ste A, Pagosa Springs, CO, 81147 | 11.7 | |
| State Farm | Truett Forrest | 452 Pagosa St, Pagosa Springs, CO, 81147 | 9.2 | |
| State Farm | Mary Jo Merkley | 1639 Grande Ave, Monte Vista, CO, 81144-1787 | 49.6 | |
| Travelers | Bayfield Ins Inc | 381 Colorado Dr Ste 6, Bayfield, CO, 81122 | 39.3 | |
| Travelers | Co West Of San Luis Valley | 923 First Avenue Monte Vista, Monte Vista, CO, 81144 | 49.3 | |
| Liberty Mutual Independent | Mountain West Insurance & Financial Services Llc | 102 N 3rd St, Pagosa Springs, CO, 81147 | 9.2 | |
| Travelers | Co West Of San Luis Valley | Box 346, Monte Vista, CO, 81144 | 16.5 | |
| Travelers | Tag-Rocky Mountain Insurance Inc | 920 1st Avenue, Monte Vista, CO, 81144 | 49.3 | |
| Travelers | Sechrist Insurance Agency | 321 Stallo St, Monte Vista, CO, 81144 | 49.7 | |
| Liberty Mutual Independent | Cowest Of San Luis Valley | 586 Columbia Ave, Del Norte, CO, 81132 | 45.2 |
| 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 |
| Archuleta County, CO | $274,000 | $1,000 | $700 | $1,310 | $610 |
| Pagosa Springs, CO | $271,600 | $995 | $700 | $1,300 | $600 |
| West Conejos, CO | $138,700 | $1,051 | $740 | $1,380 | $640 |
| Mineral County, CO | $279,000 | $1,008 | $710 | $1,320 | $610 |
| South Fork, CO | $243,500 | $1,333 | $930 | $1,750 | $820 |
| Southern Ute, CO | $267,900 | $1,391 | $970 | $1,820 | $850 |
| Ignacio, CO | $258,800 | $973 | $680 | $1,280 | $600 |
| Tierra Amarilla, NM | $227,600 | $985 | $680 | $1,390 | $710 |
| Bayfield, CO | $292,000 | $1,032 | $720 | $1,350 | $630 |
| City of Creede, CO | $251,600 | $1,352 | $950 | $1,770 | $820 |