Montrose, CO homeowners insurance is approximately $741 to $1,007, about $61-$83/month. Our detailed guide indicates shoppers can save upto $349 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
| Home Insurance Company Near Montrose, CO | Homeowners Insurance Agency Near Montrose, CO | Address |
|---|---|---|
| State Farm | Adam Hancock | 1425 Hawk Parkway, Montrose, CO, 81401-6452 |
| Allstate | Aspenridge Ins Agy | 605 N 1st St, Montrose, CO, 81401 |
| Allstate | Bw Insurance Agency | 201 Main Street, Gunnison, CO, 81230 |
| Travelers | Western Group Inc-Denver | 254 MAIN, DELTA, CO, 81416 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Olathe CCD, Montrose County, Colorado | $110 | $146 | $219 |
| Loghill Village CDP, Colorado | $120 | $159 | $239 |
| Ridgway town, Colorado | $115 | $153 | $230 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Montrose, CO | 5.1% | 19.9% |
| Olathe | 5.27% | 21.78% |
| Loghill Village | 3.55% | 16.99% |
| Ridgway | 4.72% | 15.63% |
| Montrose Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 153 | 4.0% | $352 |
| $200 to $299 | 226 | 7.0% | $802 |
| $300 to $499 | 290 | 8.0% | $1252 |
| $500 to $749 | 689 | 21.0% | $1927 |
| $750 to $999 | 694 | 21.0% | $2677 |
| $1,000 to $1,499 | 1,047 | 32.0% | $3802 |
| $1,500 or more | 126 | 3.0% | $5452 |
| Streets in Montrose Area | Homeowners Insurance Cost |
|---|---|
| Lakeview Dr, Blue Spruce Dr, Nighthawk Rd, Primrose Ct, Lakeview Ct, Southview Ct, 6450 Ct, M73 Rd, Hickory Dr, Torrence Dr | $883 |
| Ross Rd, Raspberry Ln, Jupiter Dr, 6630 Rd, Loesch Rd, Cambridge St, Chestnut Dr, Ridgeline Dr, Saw Grass Dr, Laura Ln | $908 |
| Anderson Rd, Weminuche Ave, 6830 Rd, S 5th St, Wheat Grass Dr, P61 Trl, Big Horn St, S 9th St, Chipeta Rd, Tyler Ln | $923 |
| Sunset Dr, Gold Creek Dr, S 7th St, London Way, Norwood Rd, Galaxy Dr, 6355 Ln, Sun Ct, Old Lindsy Canyon Trl, S 5th St | $870 |
| 6429 Cir, Oakwood Dr, 6403 Rd, Newport Dr, 5790 Rd, N Cedar Ave, Oak Leaf Dr, Alpine Rd, 6220 Rd, Abrams Ave | $920 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Montrose | $130 to $133 |
| Olathe | $131 |
| Loghill Village | $143 |
| Ridgway | $138 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $700 | $1,700 |
| Yearly Montrose Homeowner Insurance Premium Example | $1,000 | $800 |
| Out of Pocket Expense During Claim | $700 | $1,700 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $8,700 | $8,100 |
| Net Savings to Montrose Home Owner from High Deductible Plan | $600 | |
| Scenario | Montrose, CO Home Replacement Value MORE than Home Value | Montrose, CO Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $232,000 | $168,500 |
| Insurance Premium based on Replacement Value | $975 | $700 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $18,500 | Risk Exposure from Under Insuring Coverage is $45,000 |
| Premium Impact | Insurance cheaper by $200/year | Insurance costlier by $75/year |
| Insurance Company | Chubb Group of Insurance | Liberty Mutual | Allstate |
| Monthly Premium | 48 | 74 | 83 |
| Year Built | 2009 | 1990 | 2010 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 2 Baths | 5 Beds, 2 Baths |
| Coverage Amount | $250000-$300000 | $200000-$250000 | $200000-$250000 |
| Deductible | > $10,000 Deductible | $2500-$5000 Deductible | $500- $1000 Deductible |