Bayfield Insurance Rates:

Bayfield, CO homeowners insurance is approximately $765 to $1,045, about $63-$87/month. Our all inclusive research shows customers can save as much as $362 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Bayfield, CO Homeowners Insurance By Home Value

Bayfield, CO Home Value Total Homes % of Total Average Bayfield, CO Homeowners Insurance
Less than $50,000 172 8.0% $72
$100,000 to $124,999 57 2.0% $325
$125,000 to $149,999 24 1.0% $407
$150,000 to $174,999 76 3.0% $488
$175,000 to $199,999 186 8.0% $561
$200,000 to $249,999 200 9.0% $678
$250,000 to $299,999 633 30.0% $832
$300,000 to $399,999 701 33.0% $1049

Top Home Insurance Agents Near Bayfield, CO

Home Insurance Company Near Bayfield, CO Homeowners Insurance Agency Near Bayfield, CO Address
Travelers Atkinson Leavitt Ins Agency Inc 72 SUTTLE ST STE L, DURANGO, CO, 81302
Allstate Mountain West Ins 2971 Main Ave, Durango, CO, 81301
NA Western Group, Inc - Durango 359 C/R 250 , Durango, CO, 81302
Liberty Mutual Independent Cowest Of Telluride 100 W COLORADO AVE, TELLURIDE, CO, 81435
State Farm Denise Elliott 25825 Hwy 160, Durango, CO, 81301-7960

Cost Of Homeowners Insurance By Street Near Bayfield, CO

Streets in Bayfield Area Homeowners Insurance Cost
Hope Ln, Spur Ln, Forest Lakes Rd, Pine Tree Dr, Faith Ln, Little Valley Rd, Meadow Ln, S West St, Ocala Dr, E North St$907
Wasinger Dr, E Columbine Dr, McCoy Ln, Fantango Rd, Rustic Rd, Co Rd 223, Wild Turkey Ln, Cr 26, Spruce Ct, Charity Pl$902
N Mountain View Dr, W Vallecito Creek Rd, Shady Ln, Antelope Run, Co Rd 225, Spruce Way, Saguaro St, Pineway Dr, Bellflower Rd, Mustang Dr$902
Shadow Dr, Co Rd 245, Co Rd 505, Deer Ridge Dr, N Wilmer Dr, Elk Valley Rd, N Juniper St, Pine Top Dr, Cherry Valley Rd, Co Rd 504$900
Tradewinds Ln, Via Oeste Rd, Badger Rd, Rain Drop Dr, Verde Ln, Via Vista Cir, Buena Vista Trl, E Cedar Dr, Angels Dr, E Colorado Dr$909

Bayfield, CO Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Bayfield$135 to $138
Durango$139
San Juan County$133
La Plata County$137

Bayfield, CO Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Durango CCD, La Plata County, Colorado $116 $155 $232
San Juan County, Colorado $111 $147 $221
Silverton CCD, San Juan County, Colorado $111 $147 $221

Bayfield, CO Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Bayfield, CO4.7%17.8%
Durango4.51%19.78%
San Juan County6.41%18.12%
Silverton6.41%18.12%

Bayfield Renters Insurance as a Percentage of Rent

Bayfield Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 10 1.0% $788
$500 to $749 169 32.0% $1913
$750 to $999 55 10.0% $2663
$1,000 to $1,499 188 36.0% $3788
$1,500 or more 100 19.0% $5438

Average Cost Of Home Insurance By Company In Areas Nearby Bayfield For Different Scenarios

Structure Type Deductible Company Premium
Masonry $500 Acuity, A Mutual Insurance Company $1,097
Frame $500 American Family Insurance Company $865
Frame $500 American Security Insurance Company $1,112
Masonry $500 Amica Mutual Insurance Company $1,072
Frame $500 Great Northern Insurance Company $1,237
Frame $500 Liberty Insurance Corporation $1,302
Masonry $500 Praetorian Insurance Company $849
Frame $500 The Travelers Home And Marine Insurance Company $727
Masonry $500 Usaa General Indemnity Company $925
Frame $500 Unitrin Direct Property & Casualty Company $1,073

Bayfield, CO Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,100$3,100
Yearly Bayfield Homeowner Insurance Premium Example $2,000$1,500
Out of Pocket Expense During Claim$1,100$3,100
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $13,100$12,100
Net Savings to Bayfield Home Owner from High Deductible Plan $1,000

Bayfield, CO Home Insurance Costs With Home Replacement Value Scenarios

Scenario Bayfield, CO Home Replacement Value MORE than Home Value Bayfield, CO Home Replacement Value LESS than Home Value
Replacement Value $371,000 $251,000
Insurance Premium based on Replacement Value $1,825 $1,225
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $48,000 Risk Exposure from Under Insuring Coverage is $72,000
Premium Impact Insurance cheaper by $350/year Insurance costlier by $250/year

Example Bayfield Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceNationwide InsuranceAmerican Family Insurance
Monthly Premium 128130124
Year Built 199120131989
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 4 Baths
Coverage Amount $250000-$300000$350000-$400000$350000-$400000
Deductible $500 Deductible$500- $1000 Deductible$2500-$5000 Deductible

Sample Home Insurance Rates for Bayfield, CO from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2007 400,000 Slate Shingles Roof 2,780 4 $5000 to $10,000 Deductible 1270 12 Stone Siding yes
1992 295,000 Asphalt Shingles Roof 1,660 3 $5000 to $10,000 Deductible 970 12 Fiber-Cement Siding yes
1995 175,000 Slate Shingles Roof 1,340 3 $500- $1000 Deductible 360 5 Vinyl siding yes
1999 160,000 Membrane Roof 1,210 3 $5000 to $10,000 Deductible 470 9 Fiber-Cement Siding yes
2010 275,000 Composition Roof 2,080 3 $2500-$5000 Deductible 660 7 Stone Siding No
2012 175,000 Slate Shingles Roof 1,390 3 $500 Deductible 460 6 Stone Siding No
2014 465,000 Wood Shake Roof 3,640 5 $500 Deductible 2690 12 Wood siding No
1980 400,000 Wood Shake Roof 2,990 4 > $10,000 Deductible 1260 12 Brick siding yes
1996 410,000 Membrane Roof 2,560 4 $5000 to $10,000 Deductible 880 7 Wood siding No
2009 370,000 Tile Roof 2,340 3 $2500-$5000 Deductible 310 3 Stone Siding yes
2006 325,000 Composition Roof 1,910 3 $500- $1000 Deductible 1050 10 Vinyl siding No
1998 410,000 Metal Roof 2,800 5 $2500-$5000 Deductible 560 4 Stone Siding yes
2007 730,000 Tile Roof 4,760 5 $1000-$2500 Deductible 940 4 Stucco siding No