Your house says a lot about you and your future plans. It’s where life happens and memories are created. Perhaps you can’t picture yourself living anywhere else. But does your home insurance reflect what is most important to you? Pagosa Springs, CO homeowners’ insurance ranges from $762 to $1,044, or $63-$87 per month. According to our extensive research, consumers can save up to $361 by comparing multiple quotes.
Did you know that the Pagosa Springs city limits have 1,727 residents, which equates to approximately 4,971 households per zip code with 3 people per household? The average household income in the city is $52,111, which is slightly lower than the national average. Homes in the Pagosa Springs area are more expensive, with an average house value of around $316,300.
What Is Home Insurance Covered For?
You can be protected by home insurance in three ways:
- Dwelling coverage pays for damage to the structure caused by unexpected events such as fire, wind, lightning, falling objects, and vandalism. When it comes to insurance, most homeowners prioritise this coverage.
- Contents coverage only covers what is inside your home. I’m discussing everything from furniture to electronics to pots and pans. If these items are lost or destroyed as a result of a covered event, your policy may pay for their replacement.
- Liability coverage is the third component of your home insurance policy. It protects you from financial loss if you are financially responsible for the injury or damage to others’ property. This coverage goes beyond your home and follows you around the world.
Options for Home Insurance
Smart Plan Home policies can help you protect your home exactly how you want. You choose one of three home insurance packages and customise it with your own limits and options:
- Standard: Provides you with affordable coverage and available protection for what is most important to you.
- Enhanced: Provides increased limits and the replacement cost of your home’s contents and roof.
- Premier: Provides guaranteed home replacement cost and the highest personal property limits.
It is essential to have an insurance agency in Pagosa Springs, CO that offers competitive rates. Whether you’re a satisfied resident, a new car owner, or a business owner, you want the best coverage at the lowest possible cost.
