Jamestown is a charming and close-knit mountain town in Boulder County, Colorado, with a population of approximately 300 residents. Nestled in the foothills of the Rocky Mountains at an elevation of 6,200 feet, the town is renowned for its breathtaking landscapes, historic charm, and peaceful ambiance. Known for its outdoor recreational opportunities, Jamestown is a haven for nature lovers with access to nearby Barker Reservoir and other scenic spots.

Table of Contents

• Neighborhoods in Jamestown
• Average Insurance Costs in Jamestown
• Factors Impacting Insurance Costs
• Insurance Carriers Serving Jamestown
• Get an Insurance Quote for Jamestown

Despite its remote location, Jamestown maintains proximity to Boulder, offering residents the best of rural serenity and urban convenience. The town is primarily covered by the ZIP code 80455, which includes the downtown area and surrounding rural properties. Jamestown exemplifies the natural beauty and community spirit that make Colorado’s mountain towns so desirable.

Neighborhoods in Jamestown

While Jamestown is small, it features distinct areas and rural communities that contribute to its charm:

• Downtown Jamestown: The heart of the community, featuring local shops, historic buildings, and public spaces for community events.
• Gold Hill: A nearby historic mining settlement with rustic homes and panoramic views, popular among residents seeking a connection to the past.
• Lefthand Canyon: A scenic area along the Lefthand Creek, offering tranquil homes surrounded by nature.
• Sunny Meadows: A small rural enclave known for its open spaces, mountain views, and secluded properties.

Estimated Insurance Costs in Jamestown

Nestled in the foothills of the Rocky Mountains, Jamestown, Colorado, offers a peaceful, close-knit community surrounded by natural beauty. However, the area’s unique geography and rural charm come with risks such as wildfire exposure, snowstorms, and occasional flooding. Castle Rock Insurance proudly serves the residents of Jamestown with comprehensive insurance options tailored to protect their homes, vehicles, and belongings.

Estimated insurance costs for Jamestown residents include:

• Homeowners Insurance: $800 – $1,600 annually, depending on factors like home value, location, and wildfire risk.
• Renters Insurance: $120 – $300 annually, providing affordable protection for personal belongings and liability.
• Auto Insurance: $900 – $1,500 annually, with rates influenced by driving history, vehicle type, and road conditions.
• Condominium Insurance: $300 – $600 annually, covering personal property and portions of the condo not protected by the master policy.
• High-Value Home Insurance: $2,000 – $6,000+ annually, designed for luxury homes and unique assets requiring specialized coverage.
• Flood and Fire Zone Insurance: $400 – $1,200 annually, critical for properties located in high-risk areas for natural disasters.

Castle Rock Insurance takes pride in offering personalized solutions to fit Jamestown’s unique needs. Whether you’re safeguarding a cozy cabin, insuring a luxury home, or protecting your daily commute, our team is here to help. Contact us today to explore your options.

Factors Impacting Insurance Costs in Jamestown

Jamestown, Colorado, is a picturesque mountain community surrounded by stunning natural landscapes. However, the town’s location and unique characteristics present specific challenges that can affect insurance costs. Key factors include:

• Wildfire Risk: Nestled in the foothills of the Rockies, Jamestown is highly susceptible to wildfires, especially during dry seasons. This heightened risk significantly impacts homeowners insurance premiums, particularly for properties near dense forests or in wildfire-prone zones.
• Elevation and Weather: At an elevation of over 6,900 feet, Jamestown experiences harsh winters, heavy snowfall, and frequent hailstorms. These conditions increase the likelihood of damage to roofs, vehicles, and structures, driving up both home and auto insurance costs.
• Proximity to Emergency Services: While Jamestown enjoys a small-town charm, its remote location means that some properties are farther from fire stations, medical facilities, and law enforcement. Delayed response times can result in higher premiums, especially for fire and medical-related coverage.
• Vehicle Use and Roads: Jamestown’s winding mountain roads, narrow passages, and frequent wildlife crossings pose challenges for drivers. These factors contribute to higher auto insurance rates due to increased risks of accidents and vehicle damage.
• Home Age and Features: Many of Jamestown’s homes boast historical charm but may require specialized insurance coverage for restoration or maintenance. On the other hand, homes equipped with modern safety features such as security systems, fire-resistant materials, and upgraded plumbing may qualify for discounts.
• Flood Risk: Proximity to nearby streams and rivers increases the risk of flash flooding, particularly during spring snowmelt or heavy rains. This factor is crucial for determining flood insurance premiums.
• Community Size and Claims History: As a small town, Jamestown’s insurance costs can also be influenced by the claims history of the community. A higher frequency of claims in the area can lead to higher overall premiums for residents.

Understanding these factors can help Jamestown residents make informed decisions about their insurance coverage. By working with Castle Rock Insurance, residents can explore options to mitigate risks and secure affordable, comprehensive protection for their unique needs.

Insurance Carriers Serving Jamestown

Castle Rock Insurance partners with a range of trusted carriers to provide Jamestown residents with diverse and competitive insurance options. Each carrier brings unique strengths to ensure personalized coverage for homes, vehicles, and businesses. Our partners include:

• Safeco: A leading provider of auto, home, and renters insurance, Safeco is known for its flexible policies and comprehensive coverage options tailored to individual needs.
• Liberty Mutual: Offering a wide range of personal and commercial insurance products, Liberty Mutual excels in customizable coverage and discounts for bundled policies.
• Progressive: One of the nation’s top auto insurers, Progressive provides competitive rates for vehicles, motorcycles, and recreational vehicles, along with innovative tools to manage your policy online.
• Nationwide: A trusted name for decades, Nationwide offers robust home, auto, and specialty insurance, with a strong focus on customer service and claims support.
• Auto-Owners: Recognized for its financial strength and reliability, Auto-Owners provides a wide range of personal and business insurance products, with a reputation for excellent claims service.
• Travelers: Known for its extensive coverage options, Travelers specializes in home, auto, and umbrella insurance, as well as risk management solutions for businesses.
• Kemper: Ideal for those seeking affordable and flexible coverage, Kemper offers home, auto, and specialty insurance tailored to individual needs.
• Foremost: A leader in specialty insurance, Foremost provides coverage for mobile homes, recreational vehicles, motorcycles, and boats, ensuring protection for unique assets.
• AIG Private Client: Catering to high-net-worth individuals, AIG Private Client offers bespoke insurance solutions for luxury homes, vehicles, and valuable collections.
• Chubb: Renowned for its high-value home insurance and exceptional customer service, Chubb provides tailored solutions for personal and commercial clients.
• American Modern: Specializing in specialty coverage, American Modern insures rental properties, vacation homes, and collector vehicles, ensuring peace of mind for unique needs.
• PURE: PURE offers membership-based insurance designed for affluent homeowners, providing exceptional coverage for high-value properties and assets.

With access to these top carriers, Castle Rock Insurance ensures Jamestown residents receive competitive quotes and personalized solutions to meet their insurance needs.

Live in Jamestown? Get Insured Today!

Castle Rock Insurance is dedicated to helping Jamestown residents secure customized, cost-effective insurance solutions. With access to over 20 carriers, we provide tailored policies that meet the unique needs of this mountain community. Contact us today to learn more about bundling discounts, mature driver benefits, and coverage for homes with enhanced security features. Let us help you protect what matters most!