Evergreen, nestled in Jefferson County, Colorado, is a picturesque mountain town renowned for its stunning landscapes, vibrant community, and access to outdoor recreation. Known for its serene environment, wildlife, and breathtaking views, Evergreen offers a mix of luxury homes, ranch-style estates, and charming neighborhoods. Communities like Hiwan Hills, Bergen Park, and The Ridge at Hiwan feature custom-built properties, expansive lots, and proximity to nature, making Evergreen an ideal destination for families, professionals, and retirees. Its close access to Denver via I-70 and its small-town charm create a perfect balance of mountain tranquility and city convenience.
Castle Rock Insurance proudly serves Evergreen residents with a wide range of insurance options to safeguard their homes, vehicles, and other valuable assets. Partnering with leading carriers such as Liberty Mutual, Safeco, Progressive, Chubb, Travelers, Berkshire Hathaway GUARD, Hagerty, and more, we provide comprehensive solutions tailored to the unique needs of this exceptional mountain community.
How Much Does Insurance Cost in Evergreen, CO?
Insurance premiums in Evergreen are influenced by factors like wildfire risks, property values, and local weather conditions. Below are the average costs for common insurance policies in 2024 and the specific factors impacting rates in Evergreen:
Auto Insurance: $1,600–$2,800 per year
Driving in Evergreen involves challenges such as icy roads in winter and wildlife crossings, particularly in areas like Upper Bear Creek and Hiwan Hills. Auto insurance rates are also affected by commuter traffic along I-70 and local accident risks. Residents in Bergen Park or The Ridge at Hiwan may see slightly different premiums based on their distance from major roadways and the frequency of travel.
Home Insurance: $2,000–$5,000 per year
Home insurance rates in Evergreen reflect significant wildfire risks, particularly in neighborhoods like Brook Forest and Evergreen Meadows, where dense forests increase exposure. Custom-built homes in areas such as Hiwan Hills often require higher premiums to cover high property values and unique architectural features. Properties farther from fire stations, like those in Upper Bear Creek, may also face elevated rates due to extended emergency response times.
Renters Insurance: $300–$700 per year
Renters in Evergreen, particularly those living near Evergreen Lake or in smaller rental homes in Bergen Park, face premiums influenced by local weather-related risks such as hail or snow damage. Enhanced security measures, such as alarm systems, can help reduce premiums.
Condominium Insurance: $600–$1,200 per year
Condo owners in developments near Evergreen Parkway or Bergen Park require policies covering interior property and liability. Rates may vary depending on the building’s fire mitigation measures and proximity to wildfire-prone areas.
High-Value Home Insurance: $5,000–$15,000+ per year
Luxury homes in neighborhoods like The Ridge at Hiwan or Bear Mountain Ranch often necessitate high-value home insurance to protect custom designs, valuable finishes, and expansive properties. Premiums reflect the heightened risk of wildfire damage and the increased liability exposure of these upscale homes.
Farm & Ranch Insurance: $3,000–$7,000 per year
Semi-rural properties in areas like Marshdale or Upper Bear Creek require farm and ranch insurance to protect livestock, barns, and equipment. Proximity to flood zones or wildfire areas significantly impacts premiums.
Flood Insurance: $800–$2,000 per year
Flood insurance is vital for homes near creeks or low-lying areas, such as properties near Evergreen Lake or Cub Creek. FEMA flood zone classifications and property elevation heavily influence rates.
Fire Zone Insurance: $800–$2,000 per year
Evergreen homes in heavily forested areas or near open spaces often require fire zone insurance to mitigate wildfire risks. Properties with fire-resistant materials and defensible space landscaping may qualify for lower premiums.
Umbrella Insurance: $350–$900 per year
Residents with high liability risks, such as those with large outdoor entertaining spaces in neighborhoods like Hiwan Hills or The Ridge at Hiwan, often benefit from umbrella insurance for additional coverage.
Boat Insurance: $500–$1,500 per year
Boat owners in Evergreen who frequent recreational areas like Evergreen Lake require watercraft insurance. Premiums vary based on the type of boat, storage, and usage frequency.
Save Money on Insurance in Evergreen
Castle Rock Insurance offers a variety of discounts to help Evergreen residents save on their insurance policies. These include:
- Multi-Policy Bundling: Combine home, auto, or additional policies for significant savings.
- Wildfire Mitigation Discount: Install fire-resistant materials, defensible landscaping, or sprinkler systems to lower premiums.
- Safe Driver Discounts: Maintain a clean driving record or complete approved driving courses for lower auto insurance rates.
- Security System Incentives: Homes with advanced security systems qualify for reduced home or renters insurance premiums.
- Mature Driver Savings: Drivers aged 55+ can access additional discounts by completing defensive driving programs.
- Loyalty Rewards: Long-term Castle Rock Insurance customers may receive discounts for continuous coverage.
Get an Insurance Quote for Evergreen, CO
Castle Rock Insurance is proud to serve the Evergreen community, offering tailored insurance solutions and access to top carriers. Whether you need coverage for your home, vehicles, or other valuable assets, our team is here to help. Contact us today for a personalized insurance quote and enjoy peace of mind in Evergreen, Colorado.
