Bayfield, Colorado, is a charming town located in La Plata County, with a population of approximately 2,500 residents. Known for its picturesque landscapes, friendly community, and rich history, Bayfield offers a peaceful lifestyle in a beautiful mountain setting. The town features several inviting neighborhoods, including Bayfield Heights, Pine River Ranch, and the historic downtown area, all within the key zip code 81122. Bayfield provides a variety of housing options, from cozy single-family homes to spacious rural properties, making it an ideal place for families, outdoor enthusiasts, and retirees.
Conveniently situated along U.S. Highway 160, Bayfield offers easy access to nearby towns like Durango and Ignacio, as well as stunning natural attractions such as the San Juan National Forest and Vallecito Reservoir. The town is surrounded by breathtaking scenery, providing ample opportunities for outdoor activities like hiking, fishing, and boating. Bayfield’s quaint downtown area features local shops, restaurants, and community events that reflect the town’s welcoming spirit and strong sense of community.
Castle Rock Insurance, an independent insurance broker, provides Bayfield residents with personalized insurance solutions tailored to their specific needs. Partnering with leading carriers such as Safeco, Liberty Mutual, Progressive, and Nationwide, Castle Rock Insurance offers a range of options, including homeowners, renters, and auto insurance. As an independent broker, Castle Rock Insurance has the flexibility to shop multiple carriers, ensuring that Bayfield residents receive the best coverage at competitive rates. With local expertise and a deep understanding of the Bayfield community, Castle Rock Insurance is committed to delivering customized insurance solutions that provide peace of mind to individuals and families throughout this beautiful mountain town.
How Much Does Insurance Cost in Bayfield?
In Bayfield, Colorado, insurance costs vary based on the policyholder’s needs and the chosen insurance carrier. Below are the average rates for common types of insurance in 2024:
1. Auto Insurance
The average cost for full coverage auto insurance in Bayfield is about $1,300 to $1,900 per year, with premiums influenced by factors like the driver’s age, driving history, and the type of vehicle insured.
2. Home Insurance
Homeowners in Bayfield typically pay $1,200 to $1,800 per year for home insurance, with costs depending on the home’s value, location, and the selected coverage options.
3. Renters Insurance
Renters insurance in Bayfield generally costs around $130 to $220 per year, depending on the amount of personal property coverage and any additional liability protection.
4. Condominium Insurance
Condo insurance in Bayfield averages $250 to $450 per year, with rates depending on the size of the condo and the coverage needed for personal property and liability protection.
5. High-Value Home Insurance
For homes valued at $1 million or more, high-value home insurance premiums in Bayfield range from $3,000 to $5,000 per year, with rates influenced by the home’s location, security features, and customized coverage needs.
For more specific insurance advice and personalized quotes, it’s recommended to contact a local Colorado-based insurance broker like Castle Rock Insurance, who can offer tailored coverage to meet your unique needs.
Get an Insurance Quote to Stay Protected in Bayfield
Castle Rock Insurance is a trusted choice for Bayfield residents seeking personal and residential insurance coverage. As a local, independent broker, they partner with over 20 personal and residential carriers, offering a broad range of policy options. With discounts available for bundling policies, mature drivers, homes with security systems, and vehicles with anti-theft devices, Castle Rock Insurance ensures Bayfield residents receive customized, affordable insurance solutions tailored to their specific needs.
