Pagosa Springs Insurance Rates:

Pagosa Springs, CO homeowners insurance is approximately $762 to $1,044, about $63-$87/month. Our extensive research reveals consumers can save upto $361 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Pagosa Springs, CO Homeowners Insurance By Home Value

Pagosa Springs, CO Home Value Total Homes % of Total Average Pagosa Springs, CO Homeowners Insurance
Less than $50,000 132 5.0% $72
$70,000 to $79,999 47 1.0% $225
$80,000 to $89,999 44 1.0% $261
$90,000 to $99,999 40 1.0% $288
$100,000 to $124,999 211 8.0% $334
$125,000 to $149,999 94 3.0% $424
$150,000 to $174,999 234 9.0% $496
$175,000 to $199,999 137 5.0% $577
$200,000 to $249,999 346 14.0% $695
$250,000 to $299,999 384 15.0% $848
$300,000 to $399,999 711 29.0% $1083

Top Home Insurance Agents Near Pagosa Springs, CO

Home Insurance Company Near Pagosa Springs, CO Homeowners Insurance Agency Near Pagosa Springs, CO Address
Liberty Mutual Independent Cowest Of San Luis Valley 586 COLUMBIA AVE, DEL NORTE, CO, 81132
Travelers Mackey Insurance Llc 565 VILLAGE DR STE A, PAGOSA SPRINGS, CO, 81147
Allstate Ron Alcorn Agency 457 S Terrace Ave, Chama, NM, 87520
Travelers Sechrist Insurance Agency Po Box 309 Monte Vista, Monte Vista, CO, 81144
State Farm Truett Forrest 452 Pagosa St, Pagosa Springs, CO, 81147

Cost Of Homeowners Insurance By Street Near Pagosa Springs, CO

Streets in Pagosa Springs Area Homeowners Insurance Cost
Trap Ct, Summit Dr, Andrews Ln, Navajo Rd, Badger Rd, Teal Cir, Down&out Rd, Longmont Ct, Chestnut Ct, Mosswood Dr$889
Pines Dr, Laguna Pl, W Simmons Dr, S 10th St, N Fork Fish Creek, Lewis St, Perry Dr, Putter Ct, Mariposa Dr, Sandlewood Dr$901
Lighthouse Dr, Garnet Ct, Olympic Ct, Crestone Pl, Rumbaugh Rd, S 9th St, J J Junction, Main St, Doc Adams Rd, N 4th St$932
FS Rd 012, Saturn Dr, Simi Ct, Cattle Trail Pl, Fawn Ct, S Stymie Ct, Spring Creek Cir, Aspenglow Blvd, Hermosa St, Bill's Pl$888
Cameo Ct, Cottonwood Dr, Heritage Dr, Co Rd 400, Ward Ct, S 7th St, Hills Cir, Indian Land Rd, W View Rd, Echo Creek Dr$906

Pagosa Springs, CO Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Pagosa Springs$134 to $136
Archuleta County$135
Dulce$97
Piedra$126

Pagosa Springs, 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
Archuleta County, Colorado $135 $180 $270
Dulce CDP, New Mexico $98 $130 $195
Piedra CDP, Colorado $126 $168 $252

Pagosa Springs, 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
Pagosa Springs, CO5.2%17.1%
Archuleta County5.12%18.18%
Dulce7.98%40.49%
Arboles3.91%26.55%

Pagosa Springs Renters Insurance as a Percentage of Rent

Pagosa Springs Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 71 8.0% $789
$300 to $499 15 1.0% $1239
$500 to $749 181 20.0% $1914
$750 to $999 314 35.0% $2664
$1,000 to $1,499 228 26.0% $3789
$1,500 or more 61 6.0% $5439

Pagosa Springs, CO Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$4,000
Yearly Pagosa Springs Homeowner Insurance Premium Example $1,600$1,000
Out of Pocket Expense During Claim$1,000$4,000
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $12,200$11,000
Net Savings to Pagosa Springs Home Owner from High Deductible Plan $1,200

Pagosa Springs, CO Home Insurance Costs With Home Replacement Value Scenarios

Scenario Pagosa Springs, CO Home Replacement Value MORE than Home Value Pagosa Springs, CO Home Replacement Value LESS than Home Value
Replacement Value $359,500 $238,500
Insurance Premium based on Replacement Value $1,725 $1,150
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $79,500 Risk Exposure from Under Insuring Coverage is $41,500
Premium Impact Insurance cheaper by $200/year Insurance costlier by $375/year

Example Pagosa Springs Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceAmica Mutual Insurance CompanyAllstate
Monthly Premium 9898116
Year Built 200419831998
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths5 Beds, 2 Baths
Coverage Amount $300000-$350000$250000-$300000$300000-$350000
Deductible $500- $1000 Deductible$1000-$2500 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2006 610,000 Wood Shake Roof 4,280 5 $2500-$5000 Deductible 2250 9 Fiber-Cement Siding yes
2014 455,000 Shingles Roof 3,100 4 $1000-$2500 Deductible 830 6 Stucco siding No
1996 240,000 Tile Roof 1,910 3 $5000 to $10,000 Deductible 600 7 Vinyl siding No
1986 215,000 Shingles Roof 1,340 3 $500- $1000 Deductible 410 5 Vinyl siding yes
1995 260,000 Slate Shingles Roof 1,630 3 $500 Deductible 530 5 Vinyl siding No
2002 675,000 Slate Shingles Roof 4,590 5 $2500-$5000 Deductible 1620 8 Brick siding yes
2002 275,000 Membrane Roof 1,590 3 $2500-$5000 Deductible 950 10 Brick siding yes
1995 410,000 Membrane Roof 2,900 5 $1000-$2500 Deductible 1430 9 Vinyl siding yes
1980 405,000 Membrane Roof 3,330 4 > $10,000 Deductible 950 12 Wood siding No
2008 310,000 Tile Roof 2,180 5 $1000-$2500 Deductible 140 1 Wood siding yes
2004 295,000 Membrane Roof 2,360 3 $1000-$2500 Deductible 550 7 Stone Siding yes
2008 215,000 Slate Shingles Roof 1,240 3 $1000-$2500 Deductible 1050 10 Brick siding yes
1992 315,000 Membrane Roof 1,790 3 $1000-$2500 Deductible 480 4 Brick siding yes
2004 480,000 Slate Shingles Roof 3,460 5 $2500-$5000 Deductible 1330 9 Vinyl siding No
2011 710,000 Membrane Roof 4,930 5 $2500-$5000 Deductible 720 5 Stone Siding No
2009 395,000 Slate Shingles Roof 2,520 4 > $10,000 Deductible 520 5 Brick siding yes
1985 400,000 Slate Shingles Roof 2,510 4 $500 Deductible 1390 12 Stucco siding yes
2012 400,000 Wood Shake Roof 2,210 3 $5000 to $10,000 Deductible 1010 9 Fiber-Cement Siding No
1996 305,000 Shingles Roof 1,750 4 $5000 to $10,000 Deductible 840 10 Fiber-Cement Siding No
2011 365,000 Slate Shingles Roof 2,310 5 $1000-$2500 Deductible 600 6 Brick siding No
1984 490,000 Wood Shake Roof 3,280 4 $500 Deductible 620 3 Fiber-Cement Siding No
1985 610,000 Tile Roof 4,830 5 $500 Deductible 2010 7 Stone Siding No
1999 285,000 Asphalt Shingles Roof 2,240 5 $5000 to $10,000 Deductible 670 9 Fiber-Cement Siding No
2002 495,000 Composition Roof 2,950 4 $1000-$2500 Deductible 600 3 Brick siding yes
2001 165,000 Tile Roof 1,320 3 $5000 to $10,000 Deductible 460 12 Fiber-Cement Siding No
2000 805,000 Metal Roof 4,630 5 $500- $1000 Deductible 3770 12 Vinyl siding yes
2005 390,000 Membrane Roof 2,250 4 $5000 to $10,000 Deductible 920 9 Fiber-Cement Siding No
2010 225,000 Asphalt Shingles Roof 1,290 3 > $10,000 Deductible 660 12 Wood siding yes
2001 485,000 Asphalt Shingles Roof 2,790 4 $1000-$2500 Deductible 200 1 Wood siding No
1985 465,000 Wood Shake Roof 2,810 4 $1000-$2500 Deductible 1140 7 Stone Siding No
1989 520,000 Composition Roof 3,550 5 > $10,000 Deductible 480 4 Vinyl siding No
1985 330,000 Tile Roof 2,140 5 $500- $1000 Deductible 950 6 Wood siding yes
2006 360,000 Slate Shingles Roof 2,290 3 > $10,000 Deductible 1430 12 Brick siding No
2004 310,000 Wood Shake Roof 1,840 5 $500 Deductible 880 6 Fiber-Cement Siding No