El Paso County Insurance Rates:

El Paso County, CO homeowners insurance is approximately $747 to $1,011, about $62-$84/month. Our extensive analysis indicates shoppers can save upto $351 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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What is the Average Home Insurance Cost in El Paso County, CO

When it comes to protecting your home, your belongings, and your family, you can never be too careful. That's why having a good home insurance policy is so important. Home insurance can help you recover from various unexpected events, from fires and burglaries to severe weather damage.   Home insurance is especially important if you live in El Paso County, Colorado. The area is prone to wildfires, hailstorms, and severe thunderstorms. Home insurance can help you recover from damage caused by events like these.

In El Paso County, Colorado, the average cost of homeowner's insurance is $1321. The cost of homeowner's insurance is determined after carefully considering a number of criteria. These include the age of the home, prior insurance claims, the level of coverage, the deductible, the location, the ZIP code, and other elements. Here are some suggestions for finding low-cost house insurance in El Paso County, Colorado.

1. Multi-Policy Insurance

El Paso County home insurance rates can be expensive, but there are ways to reduce the cost. One way is to purchase multi-policy insurance. Multi-policy insurance is insurance that covers more than one type of policy. For example, you could purchase a policy that covers your home, car, and boat. By bundling your policies together, you can often save money on your overall insurance costs. Homeowners can receive home insurance for $1083.22 in El Paso County after opting for multi-policy insurance. Consider a multi-policy insurance policy if you are looking for ways to reduce your home insurance rates. This can be a simple and effective way to save money on your home and auto insurance.

2. Claims History

In El Paso County, Colorado, your claims history can affect your home insurance rates. If you have a lot of claims, or if your claims are for a lot of money, your rates will be higher. Insurance companies use claims history of predicting how likely you are to have another claim and charge you accordingly. If you have a lot of claims, you might be considered a high-risk customer, and your rates will reflect that. Insurance companies want to minimize their risk, so they charge higher rates to customers who are more likely to file a claim. For instance, the cost of homeowners insurance in El Paso County, Colorado, is $1162.48 for those who have never filed a claim and $1400.26  to $1479.52 for those who have filed one or two claims.

3. Safety Features

As an El Paso County homeowner, you’re probably always looking for ways to save money. One way you can do that is by installing security features in your home. Many insurance companies offer discounts for homes with security features, so installing them could lead to a lower insurance rate. There are several different security features you could install in your home. One option is to get a security system. This could include things like security cameras, alarms, and motion detectors. You could also install things like deadbolts on your doors and windows. For instance, in El Paso County, Colorado, homeowners with sprinkler systems and smoke detectors pay $551.46 and $539.34 in home insurance.

El Paso County, CO Homeowners Insurance By Home Value

El Paso County, CO Home Value Total Homes % of Total Average El Paso County, CO Homeowners Insurance
Less than $50,000 6,234 4.0% $96
$90,000 to $99,999 1,671 1.0% $377
$100,000 to $124,999 7,172 5.0% $439
$125,000 to $149,999 11,553 8.0% $553
$150,000 to $174,999 19,206 14.0% $650
$175,000 to $199,999 17,490 13.0% $755
$200,000 to $249,999 25,607 19.0% $905
$250,000 to $299,999 16,403 12.0% $1107
$300,000 to $399,999 22,192 16.0% $1406

Top Home Insurance Agents Near El Paso County, CO

Home Insurance Company Near El Paso County, CO Homeowners Insurance Agency Near El Paso County, CO Address
Liberty Mutual Chris Murphy 900 W. Castleton Rd. Suite 118, Castle Rock, CO, 80109
State Farm Kevin Koenke 7495 McLaughlin Rd Ste 200, Peyton, CO, 80831-4714
Travelers Mazhar U Khan 6455 NORTH UNION BLVD STE 201, COLORADO SPRINGS, CO, 80918
Travelers Mountain High Insurance 10841 S CROSSROADS DR STE 206, PARKER, CO, 80134
State Farm Spencer Galloway 3918 N Academy Blvd, Colorado Spgs, CO, 80917-5905

El Paso County, CO Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near El Paso County, CO

Streets in El Paso County Area Homeowners Insurance Cost
Wolf Pack Ter, el Encanto Dr, Ordway Dr, Berkshire Ln, Antelope Meadows Cir, Greenwood Dr, Falcons Nest Loop, Sweetgum Ter, Pavo Pl, C J Chambers Vw$865
Edgebrook Dr, Park St, Hawk Dr, Nokomis Dr, Timbertop Ct, Prince Cir, Cenotaph Way, Gray Mare Ln, Buck Creek Rd, Copper Eagle Ln$908
Bowser Dr, Sierra Madre St, S Valley Rd, Greenside Pt, Winstead Vw, Kenwood Cir, E Palmer Divide Rd, Book Rd, Evans St, Shenandoah Dr$904
Mount Everett St, Laurette Dr, Farnham Pt, Spyglass Cir, Plowman Dr, Teeter Totter Way, Merryvale Ln, Cottontail Ln, Sunrise Rd, Impala Cir$941
Thompson Pl, Hobson Pl, Fairmont Ct, Cherry Springs Ranch, Camel Grove, Corral Valley Rd, Conosa Dr, Lodgepole Rd, Holly St, Horse Carriage Dr$902
Stargrass Dr, E Baptist Rd, Sweet Water Ct, Pine Dr, Funk Rd, Falcon Hwy, Highline Dr, Marbeck Rd, Deliverance Dr, Chuckwagon Rd$870
Sonata Dr, Kearney Ave, W David Ln, Alameda Ct, Motor World Pkwy, Cherokee Trail Dr, 21st St, Hydra Dr, Winding Passage Dr, Parkview Ln$947
McQueen Rd, Treasure Trail Cir, High Plains Vw, Leoti Dr, Tuckerman Ct, Lenmark Dr, Gomer Ave, Nettlewood Pl, Chaps Vw, Stafford Ct$865
Esther Dr, Lumina Vw, S Marksheffel Rd, Pope Pl, Carmel Dr, Los Ranchitos Dr, Cooper Ave, Razorback Rd, Brule Rd, Otteman Ct$856
Bitterweed Ln, Possum Ct, Prairie Vista Ln, 29th St, Cindy River Dr, W Bluebell Dr, Pony Tracks Dr, Latigo Blvd, Debonair Cir, S Vern St$871

El Paso County, CO Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
El Paso County$131 to $134
Elsmere$131
Ellicott$128
Cimarron Hills$129

El Paso County, 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
Elsmere CCD, El Paso County, Colorado $110 $146 $219
Ellicott CDP, Colorado $107 $143 $214
Cimarron Hills CDP, Colorado $108 $143 $215

El Paso County, 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
El Paso County, CO4.7%19.2%
Elsmere4.57%20.21%
Ellicott3.9%21.07%
Cimarron Hills5.3%19.63%

El Paso County Renters Insurance as a Percentage of Rent

El Paso County Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 1,145 1.0% $799
$300 to $499 5,634 7.0% $1249
$500 to $749 21,829 27.0% $1924
$750 to $999 19,761 24.0% $2674
$1,000 to $1,499 23,737 29.0% $3799
$1,500 or more 7,847 9.0% $5449

Average Cost Of Home Insurance By Company In Areas Nearby El Paso County For Different Scenarios

Structure Type Deductible Company Premium
Frame $500 Angic $2,338
Masonry $500 American Reliable Insurance Company $828
Masonry $500 California Casualty Indemnity Exchange $1,709
Masonry $500 Esurance Insurance Company $1,065
Masonry $500 Garrison Property And Casualty Insurance Company $1,503
Masonry $500 Liberty Mutual Fire Insurance Company $1,788
Frame $500 Pharmacists Mutual Insurance Company $889
Masonry $500 The Travelers Home And Marine Insurance Company $1,491
Masonry $500 Unitrin Direct Property & Casualty Company $1,962
Masonry $500 Vigilant Insurance Company $1,809

Latest Home Insurance Reviews by Location

Colorado Springs, CO

Progressive
I really dont know much regarding other home insurance policies. As i've never filed a claim, i feel like its hard to compare them.
Read more Colorado Springs home insurance reviews

Fountain, CO

Usaa
I rate USAA insurance offerings a 5. Their coverage options are comparable to other competitors.
Read more Fountain home insurance reviews

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