Boone, Colorado, is a small, rural town located in Pueblo County, in the southeastern part of the state. Situated about 10 miles south of the city of Pueblo, Boone has a population of approximately 100 residents, offering a peaceful, tight-knit community with a slower pace of life. The town sits at an elevation of around 4,600 feet, nestled on the edge of the vast plains and in proximity to the Arkansas River, providing expansive views of the surrounding natural beauty.

Boone’s primary zip code is 81025, which covers the town and its surrounding rural areas. The community is largely made up of agricultural land and residential properties, with various types of housing options, including modest single-family homes, ranch-style properties, and larger estates. The area also features spacious plots of land, which are perfect for farming, gardening, and outdoor activities.

With its close-knit atmosphere and scenic, rural surroundings, Boone is well-suited for families seeking a tranquil lifestyle, retirees looking for peace and space, and nature enthusiasts drawn to the area’s open skies and wildlife. The town offers a strong sense of community, where neighbors support one another, and the scenic, country setting fosters a lifestyle that values simplicity, outdoor living, and a connection to the land.

How Much Does Insurance Cost in Boone?

Here are the average insurance costs for popular policies in Boone, with typical price ranges for each. Rates may vary depending on individual circumstances, property features, and coverage options. Castle Rock Insurance offers tailored advice and competitive quotes for residents.

• Auto Insurance: Average Cost: $850 – $1,500 per year
Factors affecting premiums: Driving history, vehicle type, coverage levels, and credit score. Safe driving habits and vehicle safety features can lower rates.

• Home Insurance: Average Cost: $1,000 – $2,000 per year
Factors affecting rates: Home value, location, property age, and the type of coverage selected. Proximity to fire stations or flood zones may also influence costs.

• Renters Insurance: Average Cost: $150 – $350 per year
Variables include property coverage limits, liability protection, and any additional endorsements for valuables or outdoor equipment.

• Condominium Insurance: Average Cost: $250 – $800 per year
Key considerations: Coverage for personal belongings, liability, and potential HOA insurance requirements. Additional coverage for valuable items may impact rates.

• High-Value Home Insurance: Average Cost: $3,000 – $10,000+ per year
Influencing factors: Property value, location risks (wildfires, flooding), custom coverage for luxury items, and home security features (e.g., alarms, surveillance systems).

For personalized advice and affordable insurance solutions, Castle Rock Insurance is available to assist Boone residents with quotes tailored to individual needs.

Get an Insurance Quote to Stay Protected in Boone

Castle Rock Insurance is the perfect choice for personal and residential insurance in Boone. As a local, independent broker, they partner with over 20 carriers, offering a wide range of policy options to meet the unique needs of Boone residents. With discounts available for bundling policies, mature drivers, and homes or vehicles with security features, Castle Rock Insurance ensures affordable coverage. Their personalized approach provides tailored solutions for families, retirees, and homeowners, giving peace of mind with reliable, customizable protection. Whether you’re looking for home, auto, or specialty coverage, Castle Rock Insurance offers the support you need in Boone.