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Custer County, CO Homeowners Insurance Quotes

Are you looking for a quick comparison of Custer County, CO homeowners insurance quotes to review and compare the best rates today? We can provide up to 12 or more competitive home insurance rates with different coverage options from a basic HO-3 standard homeowner policy to a bundle / packaged discount policy that would include your home and auto grouped together. A basic policy for homeowners living in Custer County includes protection against most major perils. If you are in need of earthquake or flood insurance, then we can help you find additional coverage. As you may know, a flood policy is separate from a standard HO-3 policy.

Affordable Custer County Rates

Homeowners living in Custer County, pay on average around $2079 per year or $173.25 a month for home insurance. Let us help you shop multiple coverage options and provide up to 40% off in discount savings for your home in Custer County. Online rate quotes can be easily reviewed by entering your zip code of the property you would like to insure or give us a call now at 1-855-976-2656

For all Custer County, CO residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in Custer County? Simply enter your zip code to get your Colorado homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Custer County, CO Housing Demographics

With 4,255 residents living within the Custer County area there are over 3,956 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 1,272 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Custer County.

DemographicValues
Total Occupied Households1,925
Family Households (families)1,272
Average Owner Occupied Household Size2
Average Family Size3
Total Housing Units3,956

Custer County, CO Home Insurance Average Premiums

Local Custer, CO homeowners insurance quotes comparison

$1,235 /yr.

Colorado's Average Home Insurance Rates Overall

For the state of Colorado, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 5 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$807 /yr.
Current Average Cost:$1,235 /yr.
Maximum Range:$2079 /yr.

Colorado Homeowners Insurance News & Information

  • California Homeowners Insurance Quotes: Compare Coverage, Save More & Find Affordable Rates Posted on Thursday 11th June, 2026

    Finding affordable California homeowners insurance has become more challenging than ever. Rising rebuild costs, wildfire exposure, changing underwriting guidelines, and carrier availability have caused many homeowners across California to shop their home insurance coverage more frequently to protect both their property and their budget. If you are comparing California home insurance quotes, now is one […]

  • North Carolina Joint Underwriters and Wind Pool Map Explained Posted on Tuesday 19th May, 2026

    North Carolina is a lovely state to call home. Our state is packed with beautiful cities, museums, restaurants and of course, some of the loveliest beaches in the country. Unfortunately, if you live in one of our amazing coastal southern cities such as Ocean Isle Beach, Sunset Beach, Oak Island Beach, Calabash, Bald Head Island, […]

  • California Homeowners Still Struggling to Find Insurance Coverage — What You Can Do in Today’s Market Posted on Wednesday 6th May, 2026

    California homeowners aren’t imagining it—the insurance market has gotten significantly tougher over the past few years. What started as a wildfire-driven problem has now evolved into a full-scale availability and affordability challenge. As a professional homeowners insurance agent, I can tell you this: while the situation is difficult, there are still smart ways to secure solid […]

  • Coastal Texas Home Insurance Rates Posted on Wednesday 25th February, 2026

    If you own a home along the Texas coastline, understanding Coastal Texas home insurance rates is critical to protecting both your property and your financial future. As a professional home insurance agent, I always explain to coastal homeowners that insuring a home near the Gulf comes with unique risks — especially from hurricanes, tropical storms, […]

  • Compare 2026 Homeowners Insurance Rates in Every State Posted on Wednesday 11th February, 2026

    Homeowners insurance rates continue to vary widely across the United States in 2026, influenced by severe weather risks, property damage costs, litigation environments, state insurance regulations, and the availability of local carriers. Some states still pay thousands more per year than others for the same amount of dwelling coverage. In this article, we compare average homeowners insurance […]

Discounts For Homeowners in Custer County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your Colorado homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Custer County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Custer County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Custer County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

Custer County Housing & Real Estate Data

Details:Statistics
Total Housing Units3956
Occupied Housing Units1925
Vacant Housing Units2031
Vacant Housing Units for Rent44
Vacant Housing Units Rented Not Occupied7
Vacant Housing Units For Sale78
Vacant Housing Units Sold Not Occupied10
Vacant Housing Units For Seasonal Occasional Use1673
Vacant Housing Units All Other Vacants219
Housing Units Homeowner Vacancy Rate Percent5
Housing Units Rental Vacancy Rate Percent11
Housing Tenure Occupied Units1925
Housing Tenure Occupied Units Owner Occupied1562
Housing Tenure Occupied Units Owner Occupied Population3316
Housing Tenure Occupied Units Owner Occupied Averge Household Size2
Housing Tenure Occupied Units Renter Occupied363
Housing Tenure Occupied Units Renter Occupied Population789
Housing Tenure Occupied Units Renter Occupied Average Household Size2