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.
| Home Insurance Company Near Durango, CO | Homeowners Insurance Agency Near Durango, CO | Address |
|---|---|---|
| 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 |
| Liberty Mutual Independent | Western Group Inc - Cortez | 23 S Market St, Cortez, CO, 81321 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Durango, CO | 4.5% | 19.8% |
| La Plata County | 4.64% | 20.71% |
| Bayfield | 4.65% | 17.75% |
| Durango Southwest | 4.6% | 23.78% |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Durango | $138 to $141 |
| La Plata County | $137 |
| Bayfield | $135 |
| Durango Southwest | $136 |
| 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 |
| Low Deductible | High 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 | |
| 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 |
| Insurance Company | Chubb Group of Insurance | Nationwide Insurance | Farmers Insurance |
| Monthly Premium | 166 | 269 | 98 |
| Year Built | 2007 | 1980 | 1940 |
| Home Details | 4 Beds, 1 Baths | 5 Beds, 2 Baths | 2 Beds, 1 Baths |
| Coverage Amount | $500000-$600000 | $800000-$900000 | $250000-$300000 |
| Deductible | $500- $1000 Deductible | $1000-$2500 Deductible | $500 Deductible |