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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Home Insurance Companies in Durango, CO: Customer-Reviewed Options


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

 

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

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

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