Cortez Insurance Rates:

Cortez, CO homeowners insurance is about $731 to $997, about $60-$83/month. Our exhaustive guide reveals consumers can save upto $345 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Usaa
USAA has the absolute best customer service, pricing, and coverage compared to any other company I checked. I will always use them.
State Farm
State Farm definitely beat out Farmers on home insurance. The cost was similar but we got more for our money with State Farm. I would recommend State Farm to any of my friends if they ask.
Usaa
There is not much to say about 'offerings' because unlike car insurance, home insurance covers the cost to repair the structure of the home. Whatever the policy covers, it covers.

Cortez, CO Homeowners Insurance By Home Value

Cortez, CO Home Value Total Homes % of Total Average Cortez, CO Homeowners Insurance
Less than $50,000 928 20.0% $120
$60,000 to $69,999 77 1.0% $328
$70,000 to $79,999 77 1.0% $380
$80,000 to $89,999 86 1.0% $432
$90,000 to $99,999 104 2.0% $475
$100,000 to $124,999 451 9.0% $552
$125,000 to $149,999 365 7.0% $691
$150,000 to $174,999 555 11.0% $820
$175,000 to $199,999 458 9.0% $950
$200,000 to $249,999 559 12.0% $1140
$250,000 to $299,999 543 11.0% $1399
$300,000 to $399,999 416 8.0% $1779

Top Home Insurance Agents Near Cortez, CO

Home Insurance Company Near Cortez, CO Homeowners Insurance Agency Near Cortez, CO Address
NA Durango Cowest Insurance 329 S Camino Del Rio, Ste J, Durango, CO, 81303
Travelers Garver Insurance Agency 17404 HWY 145, DOLORES, CO, 81323
State Farm Wendy Most 1315 Main Ave Ste 211, Durango, CO, 81301-5154
Travelers Western Group Inc-Denver 1199 MAIN AVE STE 226, DURANGO, CO, 81301
Travelers Wolcott Insurance Services Inc 730 S CAMINO DEL RIO, DURANGO, CO, 81301

Cost Of Homeowners Insurance By Street Near Cortez, CO

Streets in Cortez Area Homeowners Insurance Cost
Rd F.75, Rd 27.6, Co Rd 33.6, Co Rd N, Creek 18, Co Rd E.5, Creek G 2, E 1st St, Co Rd 15.4, Creek 22$872
S Ash St, Geralds Way, May Ln, W 10th St, Wedgewood St, N Dolores Rd, N Elm St, Co Rd 23, K 2, Co Rd 10$856
Co Rd 24, Rd G.3, N Texas St, Rd 33.25, Co Rd G.2, Rd B.7, S 7, J 6, Co Rd 23, Rd 22.6$871
S Beech St, Rd H.6, 24.4 Loop, Rd 25.8, Co Rd 24.5, Co Rd D, C R 24, Jackson St, Co Rd B, Rd 25.4$862
W North St, Rd G.5, E Driscoll St, Garrison Dr, Rd 22.6, State Hwy 184, W 2nd St, Creek 24 25, Co Rd 14, Rd 10$868

Cortez, CO Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Cortez$129 to $132
Montezuma County$130
Lewis$131
Towaoc$124

Cortez, 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
Montezuma County, Colorado $109 $145 $217
Lewis CDP, Colorado $110 $146 $219
Towaoc CDP, Colorado $104 $139 $208

Cortez, 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
Cortez, CO6.3%19.9%
Montezuma County6.07%19.95%
Lewis4.27%22.86%
Towaoc9.92%29.67%

Cortez Renters Insurance as a Percentage of Rent

Cortez Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 26 1.0% $356
$200 to $299 114 6.0% $806
$300 to $499 433 24.0% $1256
$500 to $749 344 19.0% $1931
$750 to $999 386 21.0% $2681
$1,000 to $1,499 436 24.0% $3806
$1,500 or more 33 1.0% $5456

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

Structure Type Deductible Company Premium
Masonry $500 Angic $592
Frame $500 Foremost Insurance Company Grand Rapids, Michigan $1,437
Masonry $500 Metropolitan Direct Property And Casualty Insurance Company $665
Masonry $500 Standard Guaranty Insurance Company $1,814
Frame $500 Stillwater Property And Casualty Insurance Co $884
Masonry $500 Stillwater Property And Casualty Insurance Co $843
Frame $500 Usaa Casualty Insurance Company $1,025
Masonry $500 United Services Automobile Association $1,076

Cortez, CO Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$900$2,900
Yearly Cortez Homeowner Insurance Premium Example $800$400
Out of Pocket Expense During Claim$900$2,900
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $6,500$5,700
Net Savings to Cortez Home Owner from High Deductible Plan $800

Cortez, CO Home Insurance Costs With Home Replacement Value Scenarios

Scenario Cortez, CO Home Replacement Value MORE than Home Value Cortez, CO Home Replacement Value LESS than Home Value
Replacement Value $162,500 $104,000
Insurance Premium based on Replacement Value $975 $625
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $38,500 Risk Exposure from Under Insuring Coverage is $20,000
Premium Impact Insurance cheaper by $125/year Insurance costlier by $225/year

Example Cortez Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmAmerican Family InsuranceNationwide Insurance
Monthly Premium 6113777
Year Built 199219671983
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths4 Beds, 1 Baths
Coverage Amount $200000-$250000$250000-$300000$200000-$250000
Deductible $5000 to $10,000 Deductible$500 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1983 310,000 Metal Roof 2,800 4 $500- $1000 Deductible 990 8 Brick siding No
2003 210,000 Shingles Roof 2,170 3 $1000-$2500 Deductible 920 12 Fiber-Cement Siding yes
2000 155,000 Wood Shake Roof 1,440 3 $500- $1000 Deductible 360 6 Brick siding No
1982 225,000 Tile Roof 2,260 4 $500- $1000 Deductible 790 7 Stucco siding No
2014 165,000 Membrane Roof 1,610 4 $2500-$5000 Deductible 420 8 Stucco siding No
1945 120,000 Wood Shake Roof 1,220 3 $500- $1000 Deductible 550 12 Stucco siding yes
1949 280,000 Slate Shingles Roof 2,480 4 $500 Deductible 410 4 Stone Siding yes
1941 185,000 Composition Roof 2,150 4 $500- $1000 Deductible 170 2 Fiber-Cement Siding yes
1980 270,000 Asphalt Shingles Roof 2,390 3 $500- $1000 Deductible 1200 10 Vinyl siding No
1981 185,000 Slate Shingles Roof 1,980 3 $2500-$5000 Deductible 270 5 Vinyl siding No
2005 145,000 Slate Shingles Roof 1,600 3 $1000-$2500 Deductible 540 9 Fiber-Cement Siding No
1995 275,000 Shingles Roof 2,890 4 > $10,000 Deductible 150 3 Wood siding yes
1988 280,000 Wood Shake Roof 3,070 4 $2500-$5000 Deductible 220 3 Stucco siding yes
1985 185,000 Metal Roof 1,600 3 $1000-$2500 Deductible 380 6 Stucco siding No
2014 250,000 Slate Shingles Roof 2,250 3 $500- $1000 Deductible 300 3 Brick siding No
1984 165,000 Membrane Roof 1,960 4 $5000 to $10,000 Deductible 360 8 Brick siding No
1984 215,000 Slate Shingles Roof 1,840 3 $500 Deductible 290 3 Stone Siding yes
2007 400,000 Asphalt Shingles Roof 3,340 4 $500 Deductible 1880 12 Stucco siding No
2011 125,000 Wood Shake Roof 1,350 3 $500- $1000 Deductible 250 6 Fiber-Cement Siding No
1960 160,000 Tile Roof 1,760 3 $500- $1000 Deductible 660 12 Brick siding yes
1980 175,000 Slate Shingles Roof 2,010 3 $1000-$2500 Deductible 310 6 Fiber-Cement Siding No
1997 275,000 Composition Roof 2,500 4 $500- $1000 Deductible 220 3 Wood siding yes
1960 185,000 Tile Roof 1,990 3 $5000 to $10,000 Deductible 310 6 Fiber-Cement Siding yes
1941 200,000 Composition Roof 2,060 4 $5000 to $10,000 Deductible 50 1 Wood siding No
1999 275,000 Metal Roof 2,280 3 > $10,000 Deductible 600 8 Stucco siding yes
2004 155,000 Slate Shingles Roof 1,390 3 $1000-$2500 Deductible 430 9 Fiber-Cement Siding No
1963 130,000 Tile Roof 1,310 3 $1000-$2500 Deductible 480 10 Stone Siding No
2002 290,000 Metal Roof 2,470 4 $1000-$2500 Deductible 750 9 Stucco siding yes
1965 160,000 Metal Roof 1,660 3 $500 Deductible 90 1 Stone Siding No
2004 175,000 Wood Shake Roof 1,860 3 $1000-$2500 Deductible 580 8 Brick siding yes
1949 110,000 Slate Shingles Roof 1,300 3 $1000-$2500 Deductible 30 1 Wood siding No
1998 340,000 Shingles Roof 3,130 4 $1000-$2500 Deductible 670 6 Stucco siding No
1962 210,000 Asphalt Shingles Roof 2,150 3 $1000-$2500 Deductible 530 7 Stone Siding No
1994 105,000 Composition Roof 1,290 3 $500 Deductible 560 10 Brick siding yes