Breckenridge, Colorado, is a picturesque mountain town located in Summit County, with a population of approximately 5,000 residents. Known for its stunning scenery, vibrant arts scene, and world-class skiing, Breckenridge offers a unique blend of outdoor adventure and small-town charm. The town features several inviting neighborhoods, including Highlands at Breckenridge, Breckenridge Park Estates, and the historic district, all within the key zip code 80424. Breckenridge provides a variety of housing options, from cozy mountain cabins to luxurious homes, making it an ideal destination for families, outdoor enthusiasts, and retirees.
Conveniently situated along U.S. Highway 9, Breckenridge is easily accessible and serves as a gateway to some of Colorado’s most breathtaking landscapes, including the Tenmile Range and the stunning Breckenridge Ski Resort. The town is surrounded by beautiful hiking and biking trails, offering ample opportunities for outdoor activities year-round, from skiing and snowboarding in the winter to hiking and mountain biking in the summer. Breckenridge’s lively downtown area is filled with local shops, art galleries, and restaurants, creating a vibrant atmosphere that reflects the town’s rich history and love for the outdoors.
Castle Rock Insurance, an independent insurance broker, provides Breckenridge 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 Breckenridge residents receive the best coverage at competitive rates. With local expertise and a deep understanding of the Breckenridge community, Castle Rock Insurance is committed to delivering customized insurance solutions that provide peace of mind to individuals and families in this beautiful mountain town.
How Much Does Insurance Cost in Breckenridge?
In Breckenridge, Colorado, insurance costs can vary depending on the policyholder’s needs and the selected insurance provider. Below are the average rates for common types of insurance in 2024:
1. Auto Insurance
The average cost for full coverage auto insurance in Breckenridge is about $1,400 to $2,100 per year, with premiums influenced by factors like the driver’s age, driving history, and vehicle type.
2. Home Insurance
Homeowners in Breckenridge typically pay between $1,500 and $2,500 per year, with rates depending on the home’s value, location, and the coverage selected.
3. Renters Insurance
Renters insurance in Breckenridge generally costs around $130 to $250 per year, depending on the amount of personal property coverage and any additional liability protection needed.
4. Condominium Insurance
Condo insurance in Breckenridge averages $300 to $550 per year, depending on the size of the condo and the coverage needed for personal belongings and liability protection.
5. High-Value Home Insurance
For homes valued at $1 million or more, high-value home insurance premiums in Breckenridge range from $3,500 to $6,000 per year, with rates influenced by factors such as home location, security features, and customized coverage options.
If you’re looking for personalized insurance advice and quotes, consider reaching out to a local Colorado-based insurance broker like Castle Rock Insurance to get coverage tailored to your specific needs.
Get an Insurance Quote to Stay Protected in Breckenridge
Castle Rock Insurance is an excellent choice for Breckenridge residents seeking personal and residential insurance coverage. As a local, independent broker, Castle Rock Insurance partners with over 20 personal and residential carriers to offer a wide range of policy options. With discounts available for bundling insurance policies, mature drivers, homes with security systems, and vehicles equipped with anti-theft devices, Castle Rock Insurance ensures Breckenridge residents receive customized, affordable insurance solutions to meet their unique needs.
