Shop multiple homeowners insurance carriers in one place providing service and consultation from a licensed Montezuma County, CO agent.

Montezuma County, CO Homeowners Insurance Quotes

Trying to find afforable homeowners insurance coverage in Montezuma County can be difficult with so many options available locally and online. Plus, everywhere you turn it seems like rates are on the increase. For most of us, getting the right coverage means speaking with a home insurance professional that can help you find the right coverage at the price you can afford. Shopping online for cheaper Montezuma County home insurance rates with GetHomeInsuranceQuotes.com allows you to get top quality service from the most competitive home insurance companies available in the state of Colorado. It's important for you to know the coverage options available for your home within Montezuma County, that's why our experience staff of over 20+ years can answer any questions that you may have about your current and new home insurance policy needs. And most of all, we provide ways to help you apply additional discounts to lower your premium while still getting a complete coverage package. Start your online home insurance quote today!

For Montezuma County, CO homeowners, it's important to know that the average home insurance policy in Colorado is estimated to be around $138.92 per month. That amounts to $1667 per year for a standard (HO-3) homeowners insurance policy for residents living in Montezuma County. In comparison, the United States national average for homeowners insurance premiums is around 1,249 per year. Colorado is now ranked 7 in the country in terms of highest home insurance rates. You can easily get up to 12 free home insurance quotes for your home in Montezuma County, CO along with great consulting services so we can help you review which coverage policy is best for your needs. Most homeowners in your area need additional coverages based on certain preferences like a umbrella policy, extra wind and hail coverage, multiple auto insurance policies, wedding ring coverage or boat coverages. A simple HO-3 home insurance policy doesn't cover everything, that is why we can help you fine tune your Montezuma County home insurance coverage to make sure you are covered when you need it the most.

For all Montezuma 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 Montezuma 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.

Montezuma County, CO Housing Demographics

With 25,535 residents living within the Montezuma County area there are over 12,094 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 7,078 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 Montezuma County.

DemographicValues
Total Occupied Households10,541
Family Households (families)7,078
Average Owner Occupied Household Size2
Average Family Size3
Total Housing Units12,094

Montezuma County, CO Home Insurance Average Premiums

Local Montezuma, CO homeowners insurance quotes comparison

$1,151 /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 7 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$807 /yr.
Current Average Cost:$1,151 /yr.
Maximum Range:$1667 /yr.

Colorado Homeowners Insurance News & Information

  • Texas Homeowner Insurance Claims Were Closed Without Any Payment Posted on Monday 14th July, 2025

    According to a recent study that was reported on in the Houston Chronicle, almost half of all Texas homeowner insurance claims were closed without any payment to the homeowner. A company called Weiss Ratings was in charge of the study and they found that 47% of claims filed by Texas homeowners have been closed by […]

  • What causes North Carolina home insurance to go up? Posted on Monday 7th July, 2025

    A homeowner in North Carolina was greeted with a nasty surprise this year, a 41% increase in his insurance premium.  On average, homeowners in North Carolina saw a rate jump of 7.5% on June 1st due to a settlement reached by the North Carolina Department of Insurance but this certainly doesn’t explain a 41% increase.  Doug Corkhill is […]

  • Is the U.S. Home Buying Market Going to Drop in 2025? Posted on Friday 4th July, 2025

    A recent report from the Harvard Joint Center for Housing Studies found that U.S. homebuying has dropped to its lowest levels since the mid-1990s. The report, The State of the Nation’s Housing 2025 blames record high real estate prices combined with higher interests for the drop in home sales.  While high home prices and elevated interest rates […]

  • Florida Homeowners Are Concerned About Property Insurance Crisis Posted on Tuesday 1st July, 2025

    Insurance rates are rising at unprecedented rates, causing millions of people to struggle with the new premiums.  In the last three years, insurance rates have doubled in some areas. Homeowners fear for their houses while their representatives in Congress struggle to help.  Insurers are pulling out of states like Florida as damaging hurricanes and powerful […]

  • Upgrading Your Home Against Disasters Can Help Save You Money On Your Insurance Posted on Thursday 26th June, 2025

    Ron Watson’s roof on his Alabama home looks the same as all his neighbors’ roofs. Yet his is saving him money every year.  With the help of nails specifically designed to stay in place during high winds, along with other construction elements, Watson’s roof is less likely to be damaged in natural disasters, like hurricane […]

Discounts For Homeowners in Montezuma 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 Montezuma 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 Montezuma 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 Montezuma 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.

Montezuma County Housing & Real Estate Data

Details:Statistics
Total Housing Units12094
Occupied Housing Units10541
Vacant Housing Units1553
Vacant Housing Units for Rent211
Vacant Housing Units Rented Not Occupied13
Vacant Housing Units For Sale171
Vacant Housing Units Sold Not Occupied34
Vacant Housing Units For Seasonal Occasional Use737
Vacant Housing Units All Other Vacants387
Housing Units Homeowner Vacancy Rate Percent2
Housing Units Rental Vacancy Rate Percent7
Housing Tenure Occupied Units10541
Housing Tenure Occupied Units Owner Occupied7629
Housing Tenure Occupied Units Owner Occupied Population18231
Housing Tenure Occupied Units Owner Occupied Averge Household Size2
Housing Tenure Occupied Units Renter Occupied2912
Housing Tenure Occupied Units Renter Occupied Population7067
Housing Tenure Occupied Units Renter Occupied Average Household Size2