Erie, Colorado, is a vibrant town situated in both Boulder and Weld counties, with a population of approximately 35,000. Known for its small-town charm, top-rated schools, and growing amenities, Erie offers a family-friendly environment and a high quality of life. The town features inviting neighborhoods like Flatiron Meadows, Vista Ridge, and Erie Highlands, all within the key zip code of 80516. With a variety of housing options ranging from spacious single-family homes to modern townhouses, Erie appeals to families, young professionals, and retirees alike.

Conveniently located near Interstate 25 and U.S. Highway 287, Erie provides easy access to Boulder, Denver, and Longmont. Surrounded by Weld County’s scenic open spaces, the town is home to numerous parks, trails, and recreational facilities, including the Erie Community Center and Erie Lake. These amenities offer abundant opportunities for outdoor activities. Erie’s downtown area adds to the community’s appeal with local shops, restaurants, and lively community events that create a welcoming, connected atmosphere.

Residents of Erie can access personalized insurance solutions through an independent broker partnering with top carriers like Safeco, Liberty Mutual, Progressive, and Nationwide. Comprehensive insurance options include homeowners, renters, auto, fire zone, flood, farm & ranch, and equine coverage. With the ability to shop across multiple carriers, Erie residents benefit from competitive rates and tailored policies to meet their needs. This local expertise ensures peace of mind for individuals and families throughout this thriving and dynamic town.

How Much Does Insurance Cost in Erie?

In Erie, Colorado, insurance costs vary depending on the policyholder’s needs and the selected insurance provider. Below are the average rates for common types of insurance in 2024:

• Auto Insurance: $1,400 to $2,100 per year. Auto insurance premiums are influenced by factors such as the driver’s age, driving history, and vehicle type.
• Home Insurance: $1,400 to $2,300 per year. Home insurance costs depend on the home’s value, location, and coverage selected.
• Renters Insurance: $130 to $250 per year. Renters insurance generally covers personal property and liability protection, with costs based on the value of personal property and coverage needs.
• Condominium Insurance: $300 to $550 per year. Condo insurance provides coverage for personal belongings and liability protection, with rates depending on the condo’s size and location.
• High-Value Home Insurance: $3,500 to $6,000 per year. For homes valued at $1 million or more, high-value home insurance costs vary based on location, security features, and customized coverage options.
• Fire Zone Insurance: $300 to $800+ per year. Fire zone insurance provides additional protection for homes in wildfire-prone areas. Premiums are determined by the level of wildfire risk and may be reduced for homes with fire-resistant materials or proactive fire prevention measures.
• Flood Insurance: $400 to $1,200 per year. Flood insurance is essential for properties in flood-prone zones, with costs influenced by the location’s flood risk level, the home’s elevation, and desired coverage amount. Castle Rock Insurance helps Erie residents secure tailored flood protection for peace of mind.
• Farm & Ranch Insurance: $1,500 to $4,000+ per year. For Erie’s rural properties, farm & ranch insurance covers structures, equipment, crops, and livestock. Policy costs are based on property size, the type of farming operations, and additional needs like liability for farm-related visitors or workers.
• Equine Insurance: $500 to $3,000+ per year. For Erie’s horse owners, equine insurance covers medical expenses, liability, and mortality for horses. Costs vary based on the horse’s use (e.g., recreation, competition), value, and health. Castle Rock Insurance provides specialized equine policies to protect these valuable assets.

Castle Rock Insurance also provides Erie residents with a range of insurance discounts to help make premiums more affordable. By bundling multiple policies, such as home and auto, residents can maximize their savings. Additional discounts are available for mature drivers, homes with security systems, and vehicles equipped with anti-theft devices, adding value and affordability to each policy for Erie residents.

Get an Insurance Quote to Stay Protected in Erie

Castle Rock Insurance is a reliable choice for Erie 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 policies, mature drivers, homes with security systems, and vehicles with anti-theft devices, Castle Rock Insurance ensures Erie residents receive affordable, customized insurance solutions to meet their specific needs. Their commitment to local expertise and personalized service makes them a trusted partner in safeguarding homes, vehicles, and lifestyles for Erie residents.