Durango Insurance Rates:

Durango, CO homeowners insurance is roughly $786 to $1,070, about $65-$89/month. Our in depth research indicates shoppers can save as much as $371 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Usaa
I'm not too familiar with a lot of the different insurance policies available, but I do know I shopped around before deciding on USAA and the insurance I chose was much more affordable than anything else I looked at.
Liberty Mutual
Luckily I have never had to use them. I find them to be reasonable and feel that I am covered significantly.
Usaa
I have nothing but good things to say about USAA home insurance. We have never had any issues with claims and their customer service agents are sleays very curteous and helpful with any and all questions we have had.
Liberty Mutual
Yes, Liberty Mutual Insurance Is Expensive…And Yes, It May Be Well Worth It. Liberty Mutual Insurance sure isn't the cheapest deal. ... In fact, spending more on your insurance policy can actually save you money in the long run.
Allstate
I would recommend this company because they have been around a long time. They are probably just as fair as most large companies.
Progressive
I feel that I get a good deal compared to other companies. I compared prices when choosing a policy that would be best for me.
State Farm
State farm always has great customer service. my agents are always nice, courteous, and very prompt to return my phone calls.
Farmer's Insurance
The computers and programs that they seem to be outdated. they could use an upgrade to help improve their workplace.
Farmer's Insurance
I like the fact that i know the people who work at farmers and how friendly they are to me.
Usaa
The website and mobile app are extremely easy to use and are tailored for busy lifestyles.
California Casualty
I don't find them with the complete information required. I need to speak a lot to get them understand what I want.
Travelers
Every year price for the home and car insurance goes up and up, they blame that in the same area the claim rate is rising. It's their all-time excuse. However, they are still relatively low compared to other insurance companies.
Geico
I've never had any problem finding the information I need. I can easily find the contact numbers too, which is the number one reason I sign on.
Usaa
almost completely satisified with USAA as a whole. The service that we have received seem to be above that which we have received from other providers.
American Family
They do not have a very good web presence.
State Farm
I would recommend because as iv mentioned they gave a great rate and they are so friendly and easy to talk to.
Allstate
I would recommend Allstate as your home insurance company because they paid us promptly when we had a claim.

Durango, CO Homeowners Insurance By Home Value

Durango, CO Home Value Total Homes % of Total Average Durango, CO Homeowners Insurance
Less than $50,000 767 16.0% $55
$50,000 to $59,999 52 1.0% $129
$60,000 to $69,999 73 1.0% $157
$70,000 to $79,999 89 1.0% $185
$100,000 to $124,999 106 2.0% $269
$125,000 to $149,999 58 1.0% $334
$150,000 to $174,999 156 3.0% $399
$175,000 to $199,999 125 2.0% $464
$200,000 to $249,999 550 11.0% $556
$250,000 to $299,999 712 15.0% $677
$300,000 to $399,999 1,880 40.0% $863

Top Home Insurance Agents Near Durango, CO

Home Insurance Company Near Durango, CO Homeowners Insurance Agency Near Durango, CO Address
Liberty Mutual Independent Western Group Inc - Cortez 23 S Market St, Cortez, CO, 81321
Travelers Co-West Of Cortez 301 W Montezuma, Cortez, CO, 81321
Farmers Jim Duresky 1911 Main Ave Ste 110b, Durango, CO, 81301
State Farm Kent Wilson 4251 E Main St Ste G, Farmington, NM, 87402-8639
Travelers Mackey Insurance Llc 565 VILLAGE DR STE A, PAGOSA SPRINGS, CO, 81147

Durango, CO Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Durango, CO

Streets in Durango Area Homeowners Insurance Cost
Wildcat Trl, Fs 171, Pine Pt, Valley View Way, Baker Ln, Oak Valley Dr, Animas Springs Rd, Electra West Rd, W 3rd Ave, Elkridge Ln$935
E 7th Ave, Willow Dr, Wood Haven Way, Porter Way, Whistling Horse Trl, Deer Run Way, la Posta Rd, Rim Rock Dr, Woodcrest Dr, Blue Sky Dr$925
E 8th St, E 21st St, Oak Valley Ridge, Aspen Dr, Apple Wood Loop, W 28th St, E 13th St, Metta Ln, Basin Creek, Unnamed Rd$930
Celadon Dr E, Lost Miners Ln, E 10th St, Davidson Creek Rd, Spruce Dr, Turkey Trl, Red Cliffs Rd, E 11th St, Silver Queen S, Glenisle Ave$911
Co Rd 233, Cherokee Strip, Valle Vista Way, Pentstock Ct, Hawthorne Ct, Crestview Ave, Golden Dipper Rd, Aspen Dr, N Dalton Ranch Rd, N Glenisle Ave$905

Durango, CO Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Durango$138 to $141
La Plata County$137
Bayfield$135
Durango Southwest$136

Durango, 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
La Plata County, Colorado $115 $153 $229
Bayfield CCD, La Plata County, Colorado $113 $151 $226
Durango Southwest CCD, La Plata County, Colorado $114 $152 $228

Durango, 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
Durango, CO4.5%19.8%
La Plata County4.64%20.71%
Bayfield4.65%17.75%
Durango Southwest4.6%23.78%

Durango Renters Insurance as a Percentage of Rent

Durango Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 116 2.0% $778
$300 to $499 139 3.0% $1228
$500 to $749 769 16.0% $1903
$750 to $999 1,288 27.0% $2653
$1,000 to $1,499 1,430 30.0% $3778
$1,500 or more 863 18.0% $5428

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

Structure Type Deductible Company Premium
Masonry $500 Alliance Insurance Company, Inc. $373
Frame $500 Country Mutual Insurance Company $1,350
Frame $500 Encompass Indemnity Company $803
Frame $500 Farmers Insurance Exchange $578
Frame $500 Homesite Insurance Company $776
Masonry $500 Metropolitan Property And Casualty Insurance Company $820
Masonry $500 Nationwide Insurance Company Of America $639
Masonry $500 Owners Insurance Company $1,730
Frame $500 Secura Supreme Ins Co $811
Frame $500 The Travelers Home And Marine Insurance Company $727

Durango, CO Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$1,600
Yearly Durango Homeowner Insurance Premium Example $1,600$1,400
Out of Pocket Expense During Claim$600$1,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $13,400$12,800
Net Savings to Durango Home Owner from High Deductible Plan $600

Durango, CO Home Insurance Costs With Home Replacement Value Scenarios

Scenario Durango, CO Home Replacement Value MORE than Home Value Durango, CO Home Replacement Value LESS than Home Value
Replacement Value $413,500 $265,500
Insurance Premium based on Replacement Value $2,150 $1,375
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $62,500 Risk Exposure from Under Insuring Coverage is $85,500
Premium Impact Insurance cheaper by $450/year Insurance costlier by $325/year

Example Durango Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceNationwide InsuranceFarmers Insurance
Monthly Premium 16626998
Year Built 200719801940
Home Details 4 Beds, 1 Baths5 Beds, 2 Baths2 Beds, 1 Baths
Coverage Amount $500000-$600000$800000-$900000$250000-$300000
Deductible $500- $1000 Deductible$1000-$2500 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2009 660,000 Membrane Roof 3,390 5 $1000-$2500 Deductible 1180 5 Stone Siding yes
2009 180,000 Asphalt Shingles Roof 1,120 2 $500 Deductible 260 5 Stucco siding yes
1991 615,000 Tile Roof 2,790 4 $500- $1000 Deductible 1050 4 Vinyl siding No
1949 420,000 Tile Roof 2,020 3 $500- $1000 Deductible 140 1 Brick siding yes
2002 180,000 Metal Roof 1,200 3 $5000 to $10,000 Deductible 190 4 Brick siding yes
1949 765,000 Slate Shingles Roof 3,500 5 $500- $1000 Deductible 990 5 Vinyl siding No
1995 190,000 Asphalt Shingles Roof 1,090 2 $5000 to $10,000 Deductible 250 4 Stone Siding No
1983 375,000 Tile Roof 1,900 4 $2500-$5000 Deductible 1170 10 Stucco siding No
1942 245,000 Slate Shingles Roof 1,670 3 $500- $1000 Deductible 720 8 Stucco siding yes
1980 230,000 Membrane Roof 1,180 2 > $10,000 Deductible 130 2 Vinyl siding No
1983 290,000 Tile Roof 1,480 2 > $10,000 Deductible 370 6 Stone Siding yes
1983 445,000 Metal Roof 2,630 4 > $10,000 Deductible 970 8 Wood siding No
2002 430,000 Membrane Roof 2,860 4 > $10,000 Deductible 680 9 Brick siding No
1983 470,000 Wood Shake Roof 2,140 3 $500- $1000 Deductible 1850 9 Vinyl siding No
1987 410,000 Asphalt Shingles Roof 2,070 4 > $10,000 Deductible 840 12 Stucco siding yes
2000 260,000 Slate Shingles Roof 1,550 2 $500- $1000 Deductible 120 1 Wood siding No
2011 340,000 Tile Roof 1,820 3 $2500-$5000 Deductible 590 6 Stucco siding yes
2000 435,000 Metal Roof 2,890 4 $1000-$2500 Deductible 410 3 Stone Siding yes
1991 280,000 Membrane Roof 1,680 5 $5000 to $10,000 Deductible 600 6 Wood siding No
2003 265,000 Composition Roof 1,740 2 $500 Deductible 90 1 Stucco siding yes
2013 190,000 Wood Shake Roof 1,010 2 $500- $1000 Deductible 970 12 Fiber-Cement Siding No
1944 705,000 Tile Roof 3,230 4 $500 Deductible 2670 9 Stone Siding No
1997 375,000 Composition Roof 2,400 4 $5000 to $10,000 Deductible 670 7 Vinyl siding yes
1995 355,000 Composition Roof 2,190 4 > $10,000 Deductible 710 10 Fiber-Cement Siding No
1982 640,000 Shingles Roof 3,380 4 $1000-$2500 Deductible 720 3 Stucco siding yes
2003 330,000 Asphalt Shingles Roof 1,830 3 $5000 to $10,000 Deductible 500 8 Vinyl siding No
2002 180,000 Metal Roof 900 2 $1000-$2500 Deductible 160 3 Stone Siding No
1944 545,000 Asphalt Shingles Roof 2,720 5 $500 Deductible 950 4 Vinyl siding No
2008 280,000 Membrane Roof 1,840 4 $2500-$5000 Deductible 630 9 Wood siding No
2005 470,000 Shingles Roof 2,180 4 $5000 to $10,000 Deductible 720 7 Wood siding No
1988 395,000 Shingles Roof 2,300 5 $500- $1000 Deductible 970 9 Stone Siding No
2010 385,000 Metal Roof 2,060 4 $2500-$5000 Deductible 640 5 Stone Siding yes
1948 325,000 Tile Roof 2,070 3 $2500-$5000 Deductible 120 1 Stone Siding yes

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