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Ouray County, CO Homeowners Insurance Quotes

Shopping online for homeowners insurance rates in Ouray County is easy with our online quoting application process. We can provide the most affordable premiums and coverage options while comparing up to 12 major carriers to help you find the best home insurance policy for you and your family in Colorado.

For Ouray County CO homeowners, it's important to know your home is protected from hurricanes, lightning and home fires. With our enhanced coverage option process, we can help you get the added coverage you need in case of flooding issues, wind and hail damage and so much more.

Ouray County Home Insurance Rates

Ouray County, CO homeowners are now averaging around $138.92 per month for a basic homeowners policy. For Colorado residents, this amounts to $1667 per year for a standard home policy for homeowners living in Ouray County, CO. In comparison, the national average for home insurance premiums is around 1,249 per year. Colorado is now ranked #7 in the country for the highest home insurance rates. Would you like to get up to 12 free home insurance quotes for your home in Ouray County, CO so you can save up to 40% or more? If so, we look forward to working with you and providing a excellent home insurance shopping experience. Just enter your zip code to start the online quoting process, it only takes a minute and we will present the best rates and coverage options for you.

For all Ouray 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 Ouray 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.

Ouray County, CO Housing Demographics

With 4,436 residents living within the Ouray County area there are over 3,083 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 1,360 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 Ouray County.

DemographicValues
Total Occupied Households2,022
Family Households (families)1,360
Average Owner Occupied Household Size2
Average Family Size3
Total Housing Units3,083

Ouray County, CO Home Insurance Average Premiums

Local Ouray, 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 Ouray 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 Ouray 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 Ouray 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 Ouray 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.

Ouray County Housing & Real Estate Data

Details:Statistics
Total Housing Units3083
Occupied Housing Units2022
Vacant Housing Units1061
Vacant Housing Units for Rent142
Vacant Housing Units Rented Not Occupied6
Vacant Housing Units For Sale74
Vacant Housing Units Sold Not Occupied15
Vacant Housing Units For Seasonal Occasional Use743
Vacant Housing Units All Other Vacants81
Housing Units Homeowner Vacancy Rate Percent5
Housing Units Rental Vacancy Rate Percent21
Housing Tenure Occupied Units2022
Housing Tenure Occupied Units Owner Occupied1498
Housing Tenure Occupied Units Owner Occupied Population3276
Housing Tenure Occupied Units Owner Occupied Averge Household Size2
Housing Tenure Occupied Units Renter Occupied524
Housing Tenure Occupied Units Renter Occupied Population1160
Housing Tenure Occupied Units Renter Occupied Average Household Size2