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Summit County, CO Homeowners Insurance Quotes

Are you looking for a quick comparison of Summit 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 Summit 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 Summit County Rates

Homeowners living in Summit County, pay on average around $1667 per year or $138.92 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 Summit 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 Summit 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 Summit 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.

Summit County, CO Housing Demographics

With 27,994 residents living within the Summit County area there are over 29,842 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 6,553 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 Summit County.

DemographicValues
Total Occupied Households11,754
Family Households (families)6,553
Average Owner Occupied Household Size2
Average Family Size3
Total Housing Units29,842

Summit County, CO Home Insurance Average Premiums

Local Summit, 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

  • What happens to my mortgage if my homeowners policy gets cancelled? Posted on Thursday 18th July, 2024

    As more and more insurance companies stop writing policies in certain markets or cancel existing policyholders they find too big of a risk, homeowners are finding their policies cancelled or non renewed. While a cancelled policy is a shock, it doesn’t mean you need to panic.  Following is a brief overview of what to do […]

  • Why Are Homeowners Insurance Premiums Rising in 2024? Posted on Tuesday 9th July, 2024

    As insurance rates rise at unprecedented rates, homeowners are cutting back on groceries, travel, dining out, and even medication to afford the cost of their insurance premiums. In even more shocking news, 1 in 10 homeowners are even consider moving to an area with lower premiums, according to a recent survey by Claimguide. According to […]

  • Coastal Homeowners Insurance in Florida Posted on Monday 8th July, 2024

    Florida has it all, constant sunshine, beaches,plenty of restaurants and entertainment. It also has some of the highest homeowner insurance premiums in the country. According to Value Penguin, the Sunshine State has the 14th most expensive homeowner insurance rates in the country with the average premium coming in at $1,727. While insurance premiums are high all […]

  • Coastal Texas Home Insurance Rates Posted on Sunday 7th July, 2024

    While windstorm insurance is not required in Texas, it is often a necessity if you live near the coast. In certain areas there is a good chance that your mortgage lender will require that you carry a windstorm policy. A windstorm policy will cover damage that is done by wind or hail. These are the […]

  • North Carolina Joint Underwriters and Wind Pool Map Explained Posted on Wednesday 5th June, 2024

    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, […]

Discounts For Homeowners in Summit 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 Summit 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 Summit 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 Summit 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.

Summit County Housing & Real Estate Data

Details:Statistics
Total Housing Units29842
Occupied Housing Units11754
Vacant Housing Units18088
Vacant Housing Units for Rent1471
Vacant Housing Units Rented Not Occupied194
Vacant Housing Units For Sale410
Vacant Housing Units Sold Not Occupied146
Vacant Housing Units For Seasonal Occasional Use15222
Vacant Housing Units All Other Vacants645
Housing Units Homeowner Vacancy Rate Percent5
Housing Units Rental Vacancy Rate Percent25
Housing Tenure Occupied Units11754
Housing Tenure Occupied Units Owner Occupied7572
Housing Tenure Occupied Units Owner Occupied Population17457
Housing Tenure Occupied Units Owner Occupied Averge Household Size2
Housing Tenure Occupied Units Renter Occupied4182
Housing Tenure Occupied Units Renter Occupied Population10264
Housing Tenure Occupied Units Renter Occupied Average Household Size2