ogmer

Lake City, CO Home Insurance Rates - What Affects It?

The issues listed mainly affect Lake City, CO Home Insurance Rates & getting on top of them can keep your costs really cheap.

Replacement Value of your home in Lake City, CO is the biggest driver of your coverage & home insurance.

Here is a list of replacement costs & home insurance for Lake City, CO & nearby areas

Place Typical Home Size Replacement Cost Monthly Home Insurance Cost
Lake City 2 Beds, 1 Bath, 1010 sqft $128,000 $27
Mountain Village 2 Beds, 1 Bath, 1,300 sqft $220,000 $73
Sapinero 3 Beds, 2 Baths, 1,670 sqft $246,000 $66
Silverton 4 Beds, 3 Baths, 2,830 sqft $582,000 $171
Alpine 3 Beds, 1 Bath, 1,990 sqft $313,000 $89
South Fork 3 Beds, 2 Baths, 1,500 sqft $210,000 $54
Sawpit 3 Beds, 1 Bath, 2,060 sqft $296,000 $90
City of Creede 3 Beds, 1 Bath, 1,790 sqft $346,000 $112
Bayfield 2 Beds, 1 Bath, 1,030 sqft $171,000 $61
Ophir 2 Beds, 1 Bath, 1,440 sqft $125,000 $44
Ridgway 3 Beds, 2 Baths, 1,350 sqft $178,000 $72
Arboles 4 Beds, 2 Baths, 3,140 sqft $372,000 $121
Lake City 3 Beds, 2 Baths, 1,790 sqft $208,000 $57
Portland 3 Beds, 2 Baths, 1,310 sqft $180,000 $46
Piedra 3 Beds, 2 Baths, 1,450 sqft $218,000 $82
Montrose 4 Beds, 2 Baths, 3,060 sqft $392,000 $119
Durango 4 Beds, 2 Baths, 3,230 sqft $418,000 $179
Gerrard 4 Beds, 1 Bath, 2,650 sqft $296,000 $85
Ouray 4 Beds, 2 Baths, 2,500 sqft $448,000 $133
Cathedral 3 Beds, 1 Bath, 2,090 sqft $273,000 $119
Telluride 4 Beds, 1 Bath, 3,080 sqft $336,000 $139

If your Lake City, CO home has prior claims, your insurance is likelier to be higher

Here are some typical claims filed in Lake City:

Claim Typical Claim Amount
HAIL $8,500
DOG BITE (LIABILITY) $28,000
THEFT/BURGLARY $3,500

Your Lake City, CO insurance agent (see examples below) can help with your claims.

  • Farmers: Shari Jones, 555 s camino del rio ste a3, Durango, CO, 81303 (970) 259-1202
  • Travelers: Eytchison Insurance Agency Llc, 270 e college drive, suite 100, Durango, CO, 81301
  • State Farm: Truett Forrest, 452 pagosa st, Pagosa Springs, CO, 81147 970-264-2297
  • Allstate: Valerie Muldez, 3750 main ave ste 4, Durango, CO, 81301 (970) 510-7121
  • Liberty Mutual Independent: Wolcott Insurance Services Inc, 730 s camino del rio, Durango, CO, 81301 970-247-1555

Your Background Impacts Your Home Insurance Quotes

Here is a list of Lake City, CO homeowners with differing backgrounds & their changing home insurance.

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Unemployed 600-649 Credit Score No Income No Pets, Smoker $1,200
Retired 800-850 Credit Score $25 to 50,000 2 Pets, Smoker $1,080
Full Time Job 750-799 Credit Score <$25,000 More than 3 Pets at home, Non-Smoker $600