Pueblo ,CO Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Pueblo, CO homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Pueblo, CO is $1851. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Pueblo, CO. VHome Insurance will help you navigate the world of homeowners insurance coverages in Pueblo, CO.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $740 |
| $200,000 | $1,259 |
| $300,000 | $1,555 |
| $400,000 | $2,369 |
| $500,000 | $2,980 |
Home insurance costs in Pueblo can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.
| Zipcode | Average Insurance Premium |
|---|---|
| 081004 | $2,480 |
| 81003 | $2,477 |
| 81006 | $2,567 |
| 81008 | $2,522 |
| 81005 | $2,527 |
| 81001 | $2,495 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Pueblo, CO, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,898 |
| $1000 Deductible | $1,697 |
| $1500 Deductible | $1,601 |
| $2500 Deductible | $1,444 |
| $5000 Deductible | $1,222 |
| Home Insurance Company Near Pueblo, CO | Homeowners Insurance Agency Near Pueblo, CO | Address |
|---|---|---|
| NA | Insurance Connection Llc | 2020 E Pikes Peak Ave Colorado Springs, Colorado Springs, CO, 80909 |
| Farmers | Brent Cozzolino | 1315 1/2 W 4th St, Pueblo, CO, 81004 |
| Liberty Mutual Independent | Centennial Insurance Agency Llc | 1515 FORTINO BLVD FLOOR 2, PUEBLO, CO, 81008 |
| Farmers | Damon Shankling | 4297 Austin Bluffs Pkwy Ste 200, Colorado Springs, CO, 80918 |
| State Farm | Lee Ann Moore | 3649 Star Ranch Rd, Colorado Spgs, CO, 80906-5980 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Salt Creek CDP, Colorado | $125 | $167 | $251 |
| St. Charles Mesa CCD, Pueblo County, Colorado | $130 | $173 | $260 |
| Blende CDP, Colorado | $128 | $170 | $255 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Pueblo, CO | 6.4% | 20.6% |
| Salt Creek | 8.05% | 28.79% |
| St. Charles Mesa | 5.32% | 18.52% |
| Blende | 6.53% | 22.12% |
| Pueblo Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 447 | 2.0% | $364 |
| $200 to $299 | 897 | 5.0% | $814 |
| $300 to $499 | 2,799 | 16.0% | $1264 |
| $500 to $749 | 5,926 | 35.0% | $1939 |
| $750 to $999 | 4,183 | 24.0% | $2689 |
| $1,000 to $1,499 | 2,228 | 13.0% | $3814 |
| $1,500 or more | 355 | 2.0% | $5464 |
| Streets in Pueblo Area | Homeowners Insurance Cost |
|---|---|
| Rush St, Frontage Rd, N Briarwood Pl, Cruz Ct, Barnett Rd, Co Rd 3228, 39th Ln, N Grand Ave, High St, Kachina Dr | $862 |
| N Hudson Ave, Canyon River Ct, Ruger Ct, Emerson Ave, la Rochelle Dr, Greene Ave, Wildwood Ln, Co Rd 222, Ash St, N Fountain Ave | $840 |
| Wantland Rd, Oneal Ct, Windy Way, Bluestem Blvd, Watseka Ave, Goldking Rd, E 18th St, Hopi Dr, Edison Rd, 36th Ln | $868 |
| Illinois Ave, Strawflower Ct, Posada Dr, E 19th St, Hadley Rill, E 19th St, S Putnam Ave, Modesto Pl, I L Ranch Rd, E 17th St | $838 |
| Sitter Pl, Reyes St, Minnequa Ave, O Neal Pl, Grenadillo St, Newman Ave, Walnutcrest, Towhee Dr, Thrush Ct, Bobcat Ln | $840 |
| W Pitkin Ave, Hollywood Dr, Thames Dr, Vernon Pl, W 3rd St, Alabama Ave, Savage Rd, Vinita St, Cedarwood Ln, Acoma Rd | $845 |
| Greenman Dr, Canyon Ln, E 12th St, S Main St, Main St, N Pueblo Blvd, Montebello Rd, Rio Grande Ave, N Salem Ave, Church Ave | $840 |
| Franklin Ave, Vinewood Ln, Grissom Pl, N Kingston Ave, Little Burnt Mill Rd, Tabor Ln, Jasper St, South Pl, Carousel Ln, E 10th St | $861 |
| Cadena Pl, Mead Ave, Aldrin Ct, Bijou St, Ivywood Ln, W 10th St, Baxter St, Taylor Ave, E Clair Rd, Planeview St | $826 |
| N Greenwood St, Randall Rd, Bancroft Ave, Oldham Ave, Carlile Ave, Woodland Ave, Claremont Ave, E 21st St, Altadena Dr, Churchill Rd | $847 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Pueblo | $127 to $129 |
| Salt Creek | $125 |
| St. Charles Mesa | $130 |
| Blende | $127 |
| Structure Type | Deductible | Company | Premium |
|---|---|---|---|
| Frame | $500 | Aig Property Casualty Company | $732 |
| Masonry | $500 | Aig Property Casualty Company | $699 |
| Masonry | $500 | Economy Premier Assurance Company | $3,603 |
| Frame | $500 | Electric Insurance Company | $3,014 |
| Masonry | $500 | Garrison Property And Casualty Insurance Company | $1,897 |
| Frame | $500 | Homesite Insurance Company | $1,742 |
| Masonry | $500 | Horace Mann Insurance Company | $1,215 |
| Masonry | $500 | Qbe Insurance Corporation | $1,115 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $700 | $1,700 |
| Yearly Pueblo Homeowner Insurance Premium Example | $800 | $600 |
| Out of Pocket Expense During Claim | $700 | $1,700 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $7,100 | $6,500 |
| Net Savings to Pueblo Home Owner from High Deductible Plan | $600 | |
| Scenario | Pueblo, CO Home Replacement Value MORE than Home Value | Pueblo, CO Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $143,000 | $103,000 |
| Insurance Premium based on Replacement Value | $775 | $550 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $12,500 | Risk Exposure from Under Insuring Coverage is $27,500 |
| Premium Impact | Insurance cheaper by $150/year | Insurance costlier by $75/year |
| Insurance Company | Liberty Mutual | State Farm | Farmers Insurance |
| Monthly Premium | 78 | 31 | 68 |
| Year Built | 1982 | 2011 | 1963 |
| Home Details | 4 Beds, 3 Baths | 5 Beds, 3 Baths | 3 Beds, 1 Baths |
| Coverage Amount | $200000-$250000 | $125000-$150000 | $125000-$150000 |
| Deductible | $2500-$5000 Deductible | $5000 to $10,000 Deductible | $500 Deductible |