Limon, Colorado, is a small, welcoming town located on Colorado’s Eastern Plains, with a population of around 2,000 residents. Known as the “Hub City” due to its strategic position at the intersection of major highways, Limon offers a strong sense of community, rural charm, and convenient access to both urban areas and wide-open spaces. The town features friendly neighborhoods like Meadow Ridge, Chisholm Heights, and Prairie View, all within the key zip code 80828. Limon provides a mix of housing options, from cozy single-family homes to larger rural properties, creating a comfortable environment for families, professionals, and retirees.

Conveniently positioned at the intersection of Interstate 70, U.S. Highway 24, U.S. Highway 40, and State Highway 71, Limon serves as a central hub for travel and commerce in the region. The town is surrounded by expansive plains and offers plenty of opportunities for outdoor activities, including visits to the nearby Limon Wetlands, local parks, and hiking trails. Limon’s friendly downtown area is home to local shops, restaurants, and community events, providing residents with a small-town atmosphere filled with neighborly connections and local pride.

Castle Rock Insurance, an independent insurance broker, provides Limon residents with personalized coverage solutions tailored to their specific needs. Partnering with leading carriers like Safeco, Liberty Mutual, Progressive, and Nationwide, Castle Rock Insurance offers a wide range of options, including homeowners, renters, and auto insurance. As an independent broker, Castle Rock Insurance has the flexibility to shop multiple carriers, ensuring Limon residents receive the best coverage at competitive rates. With local expertise and an understanding of the unique needs of the Limon community, Castle Rock Insurance is committed to delivering customized insurance solutions that provide peace of mind to individuals and families in this friendly, rural town.

How Much Does Insurance Cost in Limon?

In Limon, 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:

1. Auto Insurance

The average cost for full coverage auto insurance in Limon is about $1,200 to $1,900 per year, with premiums influenced by factors such as the driver’s age, driving history, and vehicle type.

2. Home Insurance

Homeowners in Limon typically pay between $1,100 and $1,800 per year, with rates depending on the home’s value, location, and the coverage selected.

3. Renters Insurance

Renters insurance in Limon generally costs around $120 to $220 per year, depending on the amount of personal property coverage and any additional liability protection needed.

4. Condominium Insurance

Condo insurance in Limon averages $250 to $450 per year, depending on the size of the condo and the coverage needed for personal belongings and liability protection.

5. High-Value Home Insurance

For homes valued at $1 million or more, high-value home insurance premiums in Limon range from $3,000 to $5,000 per year, with rates influenced by factors such as home location, security features, and customized coverage options.

If you’re looking for personalized insurance advice and quotes, consider reaching out to a local Colorado-based insurance broker like Castle Rock Insurance to get coverage tailored to your specific needs.

Get an Insurance Quote to Stay Protected in Limon

Castle Rock Insurance is a reliable choice for Limon 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 Limon residents receive customized, affordable insurance solutions to meet their unique needs.