Franktown, Colorado, is a peaceful and picturesque community located in Douglas County, with a population of approximately 400 residents. Known for its rural charm, open spaces, and close-knit atmosphere, Franktown offers an ideal retreat for families, professionals, and retirees seeking a quiet and tranquil lifestyle. The area features beautiful properties and equestrian-friendly trails, making it a haven for horse enthusiasts and nature lovers alike. Key ZIP codes in Franktown include 80116, encompassing its expansive ranches and scenic landscapes.

Conveniently located at the junction of State Highway 83 and Highway 86, Franktown provides easy access to nearby cities such as Castle Rock, Parker, and Denver. Residents enjoy the benefits of rural living while remaining close to modern amenities, shopping, and dining options. Popular local attractions include Castlewood Canyon State Park, where residents can hike amidst stunning scenery, and community events that foster a sense of connection among neighbors. Franktown’s blend of peaceful living and accessibility makes it a truly unique place to call home.

Castle Rock Insurance, an independent insurance broker, offers Franktown residents personalized coverage solutions tailored to their unique needs. Partnering with top carriers, Castle Rock Insurance provides a variety of insurance options, including homeowners, renters, auto, fire zone, flood, umbrella, and equine insurance. As an independent broker, Castle Rock Insurance can shop across multiple carriers, ensuring Franktown residents receive the best coverage at competitive rates. With a deep understanding of the Franktown community and its specific needs, Castle Rock Insurance is dedicated to delivering customized insurance solutions that bring peace of mind to individuals and families in this charming rural area.

Personal Insurance Carriers Offered by Castle Rock Insurance

Castle Rock Insurance collaborates with many of the nation’s leading personal insurance carriers, such as Safeco, Liberty Mutual, Progressive, Nationwide, and others, to offer Franktown residents flexible and comprehensive coverage options. These partnerships enable Castle Rock Insurance to tailor policies to meet the specific needs of Franktown’s residents while offering competitive rates.

How Much Does Insurance Cost in Franktown?

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

• Auto Insurance: The average cost for full coverage auto insurance in Franktown is about $1,400 to $2,200 per year, with premiums influenced by factors such as the driver’s age, driving history, and vehicle type.
• Home Insurance: Homeowners in Franktown typically pay between $1,500 and $2,500 per year, with rates depending on the home’s value, location, and the coverage selected.
• Renters Insurance: Renters insurance in Franktown generally costs around $130 to $250 per year, depending on the amount of personal property coverage and any additional liability protection needed.
• Condominium Insurance: Condo insurance is less common in Franktown but averages $300 to $550 per year, covering personal belongings and liability protection.
• High-Value Home Insurance: For homes valued at $1 million or more, high-value home insurance premiums in Franktown range from $3,500 to $6,000 per year, influenced by factors such as home location, security features, and customized coverage options.
• Fire Zone Insurance: Homes in wildfire-prone areas in and around Franktown benefit from specialized fire zone policies, with premiums ranging from $300 to $800+ per year, depending on the location and risk level.
• Flood Insurance: Flood insurance is crucial for properties in flood-prone areas. Premiums average $400 to $1,200 per year, based on flood zone classification and desired coverage.
• Umbrella Insurance: For those seeking an extra layer of liability protection, umbrella insurance costs start at around $200 to $500 per year, providing coverage beyond the limits of standard home, auto, or recreational policies.
• Equine Insurance: Equine insurance for horse owners in Franktown typically costs between $300 and $1,500 per year, covering veterinary care, liability, mortality, and theft for horses.

What Impacts Insurance Rates in Franktown?

Insurance rates in Franktown, Colorado, are influenced by several factors specific to the area. Here’s a detailed look:

• Crime Rates: Franktown’s extremely low crime rates contribute to more affordable premiums for homeowners and renters insurance. Property crime is nearly nonexistent in the area, making it a secure place to live.
• Weather Risks: Franktown experiences occasional hailstorms and averages 55 inches of snowfall annually, compared to the U.S. average of 28 inches. These weather conditions can impact premiums for home and auto insurance, and additional hail and water damage coverage is advisable.
• Wildfire Risks: The rural and wooded areas around Franktown are susceptible to wildfires, particularly during dry seasons. Fire zone insurance is strongly recommended for homes in high-risk areas, with premiums reflecting the elevated threat.
• Flood Risks: Some properties near creeks and low-lying areas face minor flooding risks during heavy rainfall. Flood insurance is a valuable add-on for these properties to mitigate financial losses.
• Proximity to Emergency Services: The distance from fire stations or emergency services can influence insurance rates. Homes within a few miles of these facilities may qualify for lower premiums.
• Home Features: Newer homes with modern safety features, including fire-resistant materials and advanced security systems, may receive discounted premiums for improved risk mitigation.

Get an Insurance Quote to Stay Protected in Franktown

Castle Rock Insurance is a trusted choice for Franktown 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 Franktown residents receive customized, affordable insurance solutions tailored to their needs. Whether you need fire zone, flood, umbrella, or equine insurance, Castle Rock Insurance has the expertise to provide comprehensive coverage for your lifestyle.