Get Pine, CO Home Insurance Rates!

If you are looking for a new homeowners insurance policy in Pine, CO or are just shopping for a lower Colorado home insurance premium, we are here to help. Our website can help you compare up to 12 competitive rate quotes based on price and coverage options.

We only work with top-rated carriers in Pine who offer robust coverage at an affordable price. We will help you make sure your home is fully protected.

Our site can help you shop a wide variety of insurers quickly and easily. Let us help you review and compare Pine home insurance rates today, enter your zip code above to start a free online quote or give us a call now at 1-855-976-2656.

A Few Facts about Pine, CO Home Insurance Rates

Home insurance cost around $1,667 per year on average in the Pine area based on a basic HO-3 homeowner coverage policy including owner-occupied dwelling and a single family unit. To help you compare your average premium, you can see that the national home insurance average is around $1,311.

While insurance rates in Pine are already pretty affordable, we help you compare rates and coverage options from other insurers so you can find the best rate and policy for your home. Our site can help you save up to 40% or more on your premium while making sure you are fully covered.

While other sites may pair you with lesser known insurance companies that come with reduced coverages levels, we only shop national insurers that offer high quality policies at affordable prices. Our free shopping process allows you to view all the enhanced coverage features, deductible options plus home insurance discounts to make sure you are fully covered at a reasonable price.

Home prices in Pine and coverage options

In addition to lower than average insurance rates, homes in Pine are very affordable with the median price for a home coming in at around $404,700. Homeowners insurance offers a variety of coverages that can protect all aspects of your home and property.

Here is a quick overview of the various coverages included in a standard homeowners policy:

Dwelling: This portion of your homeowners policy covers the structure of your home against covered perils. This coverage pays to rebuild or repair your home if it is damaged or destroyed. It is important to remember that dwelling coverage typically excludes flood damage so if you are in a high-risk area, you will need a separate flood insurance policy to be fully protected. For flood insurance only in Pine, CO, please call us at 888-620-1954!

Personal Property: Your homeowners policy will protect your personal property under this section of the policy.  Personal property coverage is typically capped at 50% of your dwelling coverage. This means that if you are carrying $250,000 in coverage on your home, your personal property coverage will be capped at around $125,000.

It is always a good idea to keep an inventory of your personal possessions. There are numerous apps that help make this tedious task easier.

Liability: This portion of the policy protects you if a person is injured at your home. It will help cover their medical bills as well as lost wages and funeral costs if necessary. It will also help pay your legal bills if your injured guest decides to sue you.

In addition, the property liability section of your policy will pay for damage you do to another person’s property. As an example, if your child puts a baseball through the neighbor’s window, your liability coverage will pay to replace the window.

Loss of Use: This coverage will help pay bills that you incur if you are not able to live in your home after it is damaged by a covered peril. As an example, if your home burns to the ground you may have to move into a hotel or rental while it is being rebuilt. This coverage will help cover bills such as the hotel, restaurant, and even dry cleaning.

Flood and Earthquake coverage: As mentioned above, a standard homeowners policy excludes coverage for flood and earthquake damage. If your home is at risk of flooding or earthquake damage you will need to purchase a separate policy to be fully protected.

Ready to start shopping for a new policy? Simply enter your zip code above, complete the home details application and we will shop a variety of insurance companies to help you find the best coverage at an affordable premium.

Compare Homeowners Insurance Rates in Pine, CO!

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Average Rates Nearby Pine

Are you looking for homeowners insurance in a city near Pine? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Pine, CO

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Pine.

80470,     

Pine, CO Home Insurance Average Premiums

$1034 /yr.

For the city of Pine, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

What is the average home insurance cost for a home in Pine, CO?

What does it cost on average per month for home insurance in Pine, CO?

Pine, CO - 2023 Housing Information

Homeowners insurance will help cover the cost to repair or replace your Pine home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

Get up to 12 competitive Pine, CO homeowners insurance rates all in one place!

Saving Money Tips on Pine Home Insurance

A great way to save money on Pine homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

Are you shopping for the best rate near or wihin the Pine area? Check out what homeowners are paying on average for Colorado homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Did you know that the elevation in which your home resides is crucial to a home insurance policy because it determines the risk factor related to your home being in a flood zone. It is important to understand that your home is not covered for floods under a standard homeowners policy. You will need to speak with a local Colorado flood insurance agent about a flood insurance policy, please give us a call now at 888-620-1954.

To get online quotes on your home and compare rates on home insurance premiums in Pine, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Jefferson County.

Colorado Homeowners Insurance News & Information

Travelers Insurance, which is one of the largest insurers in California, recently announced that they will be raising premiums by an average of 15% in the Golden State. This is just the latest rate increase or policy limitation by major insurance companies who blame the increases on spreading wildfire risks, inflation, and the cost of […]

According to industry reports, homeowners are raising their deductibles to $5,000 to $10,000 to help offset the cost of rising premiums.  While raising a deductible into the stratosphere will absolutely lower your homeowner insurance premium, it does mean that you will have to cover your deductible amount in the event you have to make a […]

As homeowner insurance rates rise across the country, some homeowners are opting for policies that offer minimal coverage to keep their premiums affordable. Unfortunately, this choice will leave them at higher risk and in a position where they may have to pay more out of pocket if they have to make a claim on their […]

Like much of the rest of the country, Texas is seeing major increases in the cost of homeowners insurance. According to an article in Austin American-Stateman, residents of Texas have seen their insurance rates go up 50.9% on average which is the largest increase in the country for that time period. Unfortunately, experts are predicting […]

While the odds of a major disaster hitting a specific home is the same regardless of whether the owner has a great credit score or one that puts them in a subprime category, their credit score will impact their rate in many states.  In most states, insurers are allowed to consider credit scores when setting […]

Pine, CO Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Pine so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Pine, CO?

- The average square footage in Pine is around 1,557 Sq. Ft. which would cost you around $404,700 to replace the home if you base the home on the price to build per square foot of $260.

Minimum Replacement Cost Total: $404,700

Location: Pine, Colorado (Jefferson County)

Average Building Cost Per Square Foot in Pine: $260 (low end)

Average Square Footage in Pine: 1,557 Sq. Ft.

The dwelling coverage is calculated by the average cost per square foot ($260) in Pine, Colorado times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $812,500 (Media price to build of $325 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.

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