Trinidad Insurance Rates:

Trinidad, CO homeowners insurance is roughly $722 to $987, about $60-$82/month. Our thorough research indicates shoppers can save as much as $341 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Trinidad, CO Homeowners Insurance By Home Value

Trinidad, CO Home Value Total Homes % of Total Average Trinidad, CO Homeowners Insurance
Less than $50,000 273 8.0% $153
$50,000 to $59,999 142 4.0% $315
$60,000 to $69,999 167 5.0% $392
$70,000 to $79,999 98 3.0% $461
$80,000 to $89,999 251 7.0% $520
$90,000 to $99,999 176 5.0% $580
$100,000 to $124,999 456 14.0% $674
$125,000 to $149,999 207 6.0% $845
$150,000 to $174,999 363 11.0% $999
$175,000 to $199,999 265 8.0% $1152
$200,000 to $249,999 370 11.0% $1383
$250,000 to $299,999 250 7.0% $1690
$300,000 to $399,999 169 5.0% $2152

Top Home Insurance Agents Near Trinidad, CO

Home Insurance Company Near Trinidad, CO Homeowners Insurance Agency Near Trinidad, CO Address
NA Arthur Insurance Agency - Raton 126 South 3Rd Street, Raton, NM, 87740
Allstate Arthur Insurance Agency 126 S 3rd PO Box 999, Raton, NM, 87740
Travelers Chacon Ins Service Inc 125 E MAIN ST, TRINIDAD, CO, 81082
State Farm Fred Ettleman 320 W 7th St, Walsenburg, CO, 81089
Travelers Griego Insurance Agency Inc 300 N COMMERCIAL ST, TRINIDAD, CO, 81082

Cost Of Homeowners Insurance By Street Near Trinidad, CO

Streets in Trinidad Area Homeowners Insurance Cost
S Walnut St, Co Rd 53.2, Co Rd 42, Eagle Ct, San Pablo Canyon Rd, Freedom Rd, Co Rd 53.5, Grimes St, Badger Claw Rd, Co Rd 45.1$874
Co Rd 11, Co Rd 91.1, Athey, Co Rd 77.5, Left Hand Fork Rd, Co Rd 105, Co Rd 37.8, Monroe St, Toupal Dr, Spirit Mountain Dr$865
Cedar Stump Rd, State Hwy 239, Co Rd 157, Hilltop Rd, Co Rd 44, E Arch St, Cedar Ave, Grove St, Co Rd 24.6, Arrowhead Rd$865
Capitol Hill Ave, Co Rd 63.2, W Adams St, Old Wagon Rd, Lincoln St, Smyths Trek, Co Rd 69.4, Timber Wolf Run, Co Rd B, E 9th St$880
Co Rd 22.1, Co Rd 40.1, Wild Turkey Rd, W Ohio St, Co Rd 81, Co Rd 18.8, County Rd, E Main St, S Robero St, Nicolo Rd$863
E Cottonwood St, E Goodale Ave, Co Rd 183, Portland Ave, Kentucky St, N Convent St, Co Rd 211, High St, Cheyenne St, Saddle Rock Dr$861
W Main St, Meadowlark Dr, East St, Hoehne Rd, Duke St, Co Rd 67.5, Wild Plum, Engleville Rd, College St, Co Rd 127$874
Colorado Dr, E Linden St, Co Rd 97.4, Adams Rd, Co Rd 51, Garrett Dr, Colorado St, Buffalo Trl, S Spruce St, Co Rd 189$862
Co Rd 42, Peakview Rd, Mountain Vw, Big Springs Overlook, Trinity St, W Baca St, Co Rd 91.9, Dana Pt Rd, Co Rd 7.5, N Bonaventure Ave$871
Vista Way Dr, Co Rd 24, W Godding Ave, Cole St, Arakaraw St, Alabama St, Co Rd 60.0, E Cedar St, Capitol Hill St, Madison St$849

Trinidad, CO Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Trinidad$127 to $129
Starkville$125
Jansen$129
Cokedale$127

Trinidad, 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
Starkville town, Colorado $125 $167 $251
Jansen CDP, Colorado $129 $172 $258
El Moro CDP, Colorado $130 $173 $260

Trinidad, 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
Trinidad, CO5.8%19.1%
Starkville8.44%16.39%
El Moro5.34%14.16%
Cokedale6.6%32.83%

Trinidad Renters Insurance as a Percentage of Rent

Trinidad Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 37 2.0% $361
$200 to $299 120 8.0% $811
$300 to $499 211 15.0% $1261
$500 to $749 411 30.0% $1936
$750 to $999 268 19.0% $2686
$1,000 to $1,499 224 16.0% $3811
$1,500 or more 70 5.0% $5461

Average Cost Of Home Insurance By Company In Areas Nearby Trinidad For Different Scenarios

Structure Type Deductible Company Premium
Masonry $500 Hartford Fire Insurance Company $2,332
Masonry $500 Horace Mann Insurance Company $2,191
Frame $500 National Casualty Company $2,034
Masonry $500 Nationwide Insurance Company Of America $829
Masonry $500 Praetorian Insurance Company $1,341
Masonry $500 Teachers Insurance Company $2,804
Frame $500 The Cincinnati Insurance Company $1,220
Masonry $500 Travelers Commercial Insurance Company $1,924
Masonry $500 Twin City Fire Insurance Company $2,424
Masonry $500 United Services Automobile Association $1,456

Trinidad, CO Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,600$3,600
Yearly Trinidad Homeowner Insurance Premium Example $900$500
Out of Pocket Expense During Claim$1,600$3,600
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $7,900$7,100
Net Savings to Trinidad Home Owner from High Deductible Plan $800

Trinidad, CO Home Insurance Costs With Home Replacement Value Scenarios

Scenario Trinidad, CO Home Replacement Value MORE than Home Value Trinidad, CO Home Replacement Value LESS than Home Value
Replacement Value $135,000 $104,500
Insurance Premium based on Replacement Value $725 $550
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $13,000 Risk Exposure from Under Insuring Coverage is $17,500
Premium Impact Insurance cheaper by $100/year Insurance costlier by $75/year

Example Trinidad Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyLiberty MutualFarmers Insurance
Monthly Premium 487766
Year Built 200620101941
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 1 Baths
Coverage Amount $150000-$175000$175000-$200000$250000-$300000
Deductible $2500-$5000 Deductible$1000-$2500 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2011 275,000 Composition Roof 2,850 5 $1000-$2500 Deductible 600 6 Fiber-Cement Siding No
2004 155,000 Metal Roof 1,800 3 $500- $1000 Deductible 210 4 Brick siding yes
1943 305,000 Shingles Roof 3,980 5 > $10,000 Deductible 370 8 Stone Siding No
2010 140,000 Wood Shake Roof 2,020 3 $500- $1000 Deductible 350 7 Wood siding No
1948 205,000 Wood Shake Roof 2,230 3 > $10,000 Deductible 320 9 Wood siding yes
2014 235,000 Asphalt Shingles Roof 2,340 5 $500- $1000 Deductible 490 4 Stone Siding yes
2005 155,000 Asphalt Shingles Roof 2,060 3 $1000-$2500 Deductible 40 1 Stucco siding No
2013 205,000 Asphalt Shingles Roof 2,860 4 $500- $1000 Deductible 490 5 Brick siding yes
2009 260,000 Asphalt Shingles Roof 3,020 4 $2500-$5000 Deductible 220 3 Stucco siding yes
1945 210,000 Composition Roof 2,360 3 $1000-$2500 Deductible 1000 10 Vinyl siding yes
2003 130,000 Asphalt Shingles Roof 1,430 3 $1000-$2500 Deductible 260 7 Stone Siding No
2008 145,000 Asphalt Shingles Roof 1,980 5 $500 Deductible 620 12 Stone Siding No
2002 155,000 Shingles Roof 1,710 4 $500- $1000 Deductible 210 4 Stone Siding No
2006 160,000 Membrane Roof 1,830 3 $500- $1000 Deductible 310 6 Stone Siding No
1946 325,000 Composition Roof 3,200 4 $500- $1000 Deductible 350 3 Brick siding yes
2012 255,000 Wood Shake Roof 2,690 5 $2500-$5000 Deductible 600 9 Stone Siding No
1949 175,000 Tile Roof 1,940 3 $2500-$5000 Deductible 150 3 Fiber-Cement Siding yes
2006 225,000 Membrane Roof 2,390 5 $500- $1000 Deductible 650 8 Fiber-Cement Siding No
2013 250,000 Wood Shake Roof 3,350 4 $2500-$5000 Deductible 890 12 Fiber-Cement Siding No
2005 135,000 Tile Roof 1,810 3 $1000-$2500 Deductible 250 6 Brick siding yes
1948 270,000 Tile Roof 3,180 5 $500 Deductible 740 8 Brick siding No
1948 205,000 Slate Shingles Roof 2,270 3 $5000 to $10,000 Deductible 370 10 Wood siding No
2012 220,000 Slate Shingles Roof 2,300 3 $500 Deductible 770 9 Stone Siding yes
2000 190,000 Membrane Roof 2,220 3 $5000 to $10,000 Deductible 360 8 Vinyl siding No
1946 330,000 Membrane Roof 4,040 5 $500- $1000 Deductible 480 3 Vinyl siding yes
1944 280,000 Slate Shingles Roof 3,610 5 $5000 to $10,000 Deductible 610 7 Brick siding No
2011 335,000 Slate Shingles Roof 3,270 4 $500- $1000 Deductible 150 1 Stone Siding No
2011 180,000 Wood Shake Roof 1,820 5 $500- $1000 Deductible 670 12 Fiber-Cement Siding yes
2012 280,000 Membrane Roof 2,960 4 $1000-$2500 Deductible 360 4 Vinyl siding No
1942 155,000 Metal Roof 1,940 3 $500- $1000 Deductible 410 8 Stone Siding No
1948 140,000 Shingles Roof 1,720 3 $500- $1000 Deductible 260 4 Brick siding No
2006 280,000 Membrane Roof 3,690 5 $2500-$5000 Deductible 600 7 Stone Siding yes
2010 260,000 Shingles Roof 2,720 4 $5000 to $10,000 Deductible 60 1 Stone Siding No
2004 160,000 Metal Roof 2,190 5 $5000 to $10,000 Deductible 410 10 Wood siding yes