Central City Insurance Rates:

Central City, CO homeowners insurance is about $760 to $1,047, about $63-$87/month. Our thorough guide indicates shoppers can save as much as $361 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Central City, CO Homeowners Insurance By Home Value

Central City, CO Home Value Total Homes % of Total Average Central City, CO Homeowners Insurance
Less than $50,000 15 1.0% $72
$60,000 to $69,999 15 1.0% $189
$100,000 to $124,999 26 1.0% $334
$125,000 to $149,999 45 3.0% $415
$150,000 to $174,999 109 7.0% $488
$175,000 to $199,999 63 4.0% $569
$200,000 to $249,999 451 30.0% $687
$250,000 to $299,999 210 14.0% $840
$300,000 to $399,999 527 35.0% $1066

Top Home Insurance Agents Near Central City, CO

Home Insurance Company Near Central City, CO Homeowners Insurance Agency Near Central City, CO Address
State Farm H Y Chang 3939 E Arap Rd Ste 105, Centennial, CO, 80122-2075
State Farm Jared Langford 6900 E Belleview Ave Ste 204, Greenwood Vlg, CO, 80111-1627
State Farm Mike Gibbs 3140 S Parker Rd, Aurora, CO, 80014
Allstate Rebecca L. Martens 201 Terry Street Suite 1A, Longmont, CO, 80501
Allstate Thornton Insurance Agency Inc 7798 Washington St, Thornton, CO, 80229

Cost Of Homeowners Insurance By Street Near Central City, CO

Streets in Central City Area Homeowners Insurance Cost
County Rd St, Timber Rd, Co Rd 3, Gap Rd, Travis Draw, Moss Rock Pl, E 5th High St, Vera Marie Ln, Ponderosa Trl, Antler Ln$898
Kirkwood Way, Lump Gulch Rd, Pinon Cir, Douglas Mountain Rd, Moraine Rd, on A Hill Rd, Hooper St, Arizona Mine Rd, Plutus Dr, Peak View Dr$908
Dos Lobos, Moutain Meadows Dr, Assay Office Rd, Sego Liily Way, Moon Dance Ln, Chase Gulch, Debra Ann Rd, Packhorse Ln, Chalet Dr, Kallann Dr$896
Garnet Rd, Pactolus Lake Rd, Tolland Rd, Timber Dr, Caesar Rd, W High St, Apollo Dr, Messmer Rd, State Hwy 119, Vernon Dr$909
Horn St, N Dory Lakes Dr, Twelve Mile Gulch Rd, Deer Cir, Rd 11 C, Miliron Rd, Missouri Flats Rd, Broomfield Gulch Rd, Upper Travis Gulch Rd, Pineridge Rd$906

Central City, CO Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Central City$133 to $137
Gilpin County$135
Rollinsville$131
Black Hawk$132

Central City, 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
Gilpin County, Colorado $113 $151 $226
Black Hawk city, Colorado $110 $147 $220
St. Mary's CDP, Colorado $110 $147 $220

Central City, 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
Central City, CO4.6%22.4%
Gilpin County4.6%22.42%
Rollinsville6.22%21.41%
Nederland4.15%16.19%

Central City Renters Insurance as a Percentage of Rent

Central City Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 10 1.0% $1239
$500 to $749 80 13.0% $1914
$750 to $999 165 28.0% $2664
$1,000 to $1,499 281 47.0% $3789
$1,500 or more 53 8.0% $5439

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

Structure Type Deductible Company Premium
Frame $500 Allstate Vehicle And Property Insurance $1,269
Frame $500 Grange Insurance Association $1,238
Masonry $500 Grange Insurance Association $1,189
Masonry $500 Nationwide Insurance Company Of America $1,102
Masonry $500 Pharmacists Mutual Insurance Company $910
Masonry $500 Qbe Insurance Corporation $805
Masonry $500 Safeco Insurance Company Of America $1,287
Masonry $500 Twin City Fire Insurance Company $1,488

Central City, CO Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,800$4,800
Yearly Central City Homeowner Insurance Premium Example $3,900$3,300
Out of Pocket Expense During Claim$1,800$4,800
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $25,200$24,600
Net Savings to Central City Home Owner from High Deductible Plan $600

Central City, CO Home Insurance Costs With Home Replacement Value Scenarios

Scenario Central City, CO Home Replacement Value MORE than Home Value Central City, CO Home Replacement Value LESS than Home Value
Replacement Value $361,000 $240,000
Insurance Premium based on Replacement Value $2,125 $1,425
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $56,000 Risk Exposure from Under Insuring Coverage is $65,000
Premium Impact Insurance cheaper by $375/year Insurance costlier by $325/year

Example Central City Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualChubb Group of InsuranceGEICO Insurance
Monthly Premium 3886176
Year Built 201019921982
Home Details 2 Beds, 1 Baths3 Beds, 2 Baths4 Beds, 1 Baths
Coverage Amount $125000-$150000$250000-$300000$400000-$500000
Deductible $2500-$5000 Deductible$5000 to $10,000 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1991 175,000 Asphalt Shingles Roof 1,220 3 $500 Deductible 190 3 Stucco siding yes
1981 225,000 Composition Roof 1,800 3 $2500-$5000 Deductible 650 9 Wood siding yes
2005 245,000 Wood Shake Roof 1,410 2 $2500-$5000 Deductible 530 7 Stone Siding No
1999 415,000 Slate Shingles Roof 2,300 3 $500- $1000 Deductible 270 2 Fiber-Cement Siding yes
2012 370,000 Asphalt Shingles Roof 2,630 5 $5000 to $10,000 Deductible 780 7 Brick siding yes
1946 220,000 Slate Shingles Roof 1,260 2 $1000-$2500 Deductible 170 2 Stucco siding yes
1996 315,000 Wood Shake Roof 1,820 3 $500- $1000 Deductible 110 1 Brick siding yes
1983 390,000 Metal Roof 2,790 5 > $10,000 Deductible 80 1 Vinyl siding yes
2011 475,000 Wood Shake Roof 3,230 4 $1000-$2500 Deductible 360 2 Wood siding No
1980 340,000 Wood Shake Roof 2,400 3 $500 Deductible 970 7 Fiber-Cement Siding yes
1980 545,000 Wood Shake Roof 4,350 5 > $10,000 Deductible 820 9 Brick siding No
1987 495,000 Wood Shake Roof 4,040 5 $5000 to $10,000 Deductible 790 7 Stucco siding No
1990 600,000 Metal Roof 4,480 5 $2500-$5000 Deductible 1200 5 Brick siding No
2008 140,000 Tile Roof 900 2 $500 Deductible 310 4 Brick siding yes
1985 515,000 Slate Shingles Roof 3,600 5 $500 Deductible 510 2 Stucco siding No
2010 290,000 Composition Roof 1,950 3 > $10,000 Deductible 560 12 Stucco siding No
1980 300,000 Slate Shingles Roof 1,940 5 $500 Deductible 120 1 Stucco siding No
1945 760,000 Metal Roof 4,900 5 $500- $1000 Deductible 1890 7 Stucco siding yes
1983 355,000 Slate Shingles Roof 2,210 3 $5000 to $10,000 Deductible 490 6 Brick siding No
1943 245,000 Composition Roof 1,870 4 $1000-$2500 Deductible 370 6 Stone Siding No
2013 420,000 Metal Roof 3,050 5 $500- $1000 Deductible 1470 10 Vinyl siding yes
2001 805,000 Asphalt Shingles Roof 4,500 5 > $10,000 Deductible 140 1 Wood siding yes
1991 425,000 Membrane Roof 2,550 5 $500 Deductible 360 2 Fiber-Cement Siding No
1989 150,000 Metal Roof 920 2 $500- $1000 Deductible 550 9 Stucco siding No
1991 205,000 Tile Roof 1,200 2 $1000-$2500 Deductible 660 10 Stucco siding No
1992 505,000 Tile Roof 3,590 5 $5000 to $10,000 Deductible 1060 8 Stucco siding No
1991 180,000 Asphalt Shingles Roof 980 2 $2500-$5000 Deductible 610 7 Wood siding No
1981 400,000 Wood Shake Roof 2,310 4 $1000-$2500 Deductible 740 8 Fiber-Cement Siding No