Evans, Colorado, is a thriving town located in Weld County, with a population of about 22,000 residents. Known for its welcoming atmosphere, diverse community, and convenient amenities, Evans offers an inviting suburban lifestyle with a mix of modern development and small-town charm. The town features several friendly neighborhoods, such as Tuscany, Willowbrook, and Ashcroft Heights, all within key zip codes like 80620. Evans provides a range of housing options, from single-family homes to newer developments, making it an ideal setting for families, young professionals, and retirees.

Conveniently situated along U.S. Highway 85 and near U.S. Highway 34, Evans offers easy access to nearby cities like Greeley, Loveland, and Denver. The town is surrounded by beautiful landscapes, with plenty of parks, trails, and open spaces for outdoor activities, such as hiking, biking, and fishing along the South Platte River. Evans’ community is enriched by local shops, dining options, and community events that foster a connected and welcoming atmosphere, making it a great place to live.

Castle Rock Insurance, an independent insurance broker, offers Evans residents personalized insurance solutions tailored to their specific needs. Partnering with top carriers such as Bristol West, Liberty Mutual, Berkshire Hathaway GUARD, Nationwide, American Modern, American Strategic, Encompass, Mendota, Neptune Flood, Auto-Owners, PURE, Stillwater, State Auto, Foremost, Hagerty, Vault, Travelers, Kemper, Progressive, AIG Private Client, Chubb, Safeco, and Dairyland, Castle Rock Insurance provides a comprehensive variety of options, including homeowners, renters, auto, and specialized coverage. As an independent broker, Castle Rock Insurance can shop across multiple carriers, ensuring that Evans residents receive the best coverage at competitive rates. With local expertise and a deep understanding of the Evans community, Castle Rock Insurance is committed to delivering customized insurance solutions that provide peace of mind to individuals and families throughout this growing and vibrant town.

How Much Does Insurance Cost in Evans?

Insurance costs in Evans vary based on the type of coverage, specific policy needs, and individual circumstances. Castle Rock Insurance provides customized insurance solutions and personalized quotes for Evans residents by comparing multiple carriers. Below are typical costs for popular types of insurance policies, with factors that influence premiums, including options for fire zone, flood, and rural property coverage:

• Auto Insurance: $1,300 to $2,000 per year. Auto insurance rates in Evans are influenced by factors such as driving history, vehicle type, and coverage limits. Clean driving records often yield lower premiums, while newer or high-value vehicles may increase costs.
• Home Insurance: $1,200 to $2,000 per year. Home insurance costs depend on the home’s value, age, and location. Properties in wildfire-prone areas or with older structures may have higher premiums. Castle Rock Insurance helps residents find affordable policies, including fire zone insurance to protect homes in high-risk areas.
• Renters Insurance: $130 to $230 per year. Renters insurance in Evans provides coverage for personal belongings and liability protection. Costs vary based on property coverage amounts, deductible levels, and additional liability needs.
• Condominium Insurance: $250 to $450 per year. Condominium insurance covers personal property, liability, and portions not covered by the condo association’s master policy. Costs depend on individual coverage needs, including add-ons for high-value items.
• High-Value Home Insurance: $3,500 to $5,500 per year. For high-value homes, premiums vary significantly based on custom coverage, security features, and location. Castle Rock Insurance specializes in policies for unique or high-value properties, ensuring optimal coverage for luxury homes, including fire zone protection as needed.
• Farm & Ranch Insurance: $1,500 to $4,500 per year. Farm and ranch insurance costs in Evans depend on property size, type of operations, and land use. Coverage often includes protection for buildings, equipment, and liability, with options for fire zone insurance for properties at higher wildfire risk.
• Fire Zone Insurance: $300 to $800+ per year. Fire zone insurance provides additional coverage for homes and properties located in areas with higher wildfire risks. Premiums depend on the property’s location, level of fire risk, and specific coverage needs. Castle Rock Insurance can help Evans residents find tailored policies to protect against fire hazards.
• Flood Insurance: $400 to $1,200 per year. Flood insurance is essential for properties in flood-prone areas, with costs depending on the property’s location, flood risk level, and desired coverage amount. Castle Rock Insurance helps Evans residents secure flood protection to meet local risk requirements.
• Equine Insurance: $500 to $3,000+ per year. Equine insurance offers protection for horse owners, covering medical expenses, liability, and mortality. Costs vary based on the horse’s value, health, and purpose, such as recreation or competition. Castle Rock Insurance provides equine policies tailored to meet the needs of horse owners in Evans.

Castle Rock Insurance also provides Evans residents with a variety of insurance discounts to help reduce premiums. 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. These discounts not only make insurance more affordable but also add value to each policy, helping Evans residents achieve comprehensive protection suited to their needs and lifestyle.

Get an Insurance Quote to Stay Protected in Evans

Castle Rock Insurance is an excellent choice for Evans residents seeking personal and residential insurance coverage. As a local, independent broker, Castle Rock Insurance partners with over 20 personal and residential carriers to provide 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 Evans residents receive tailored, affordable insurance solutions to meet their specific needs.