Castle Rock Insurance proudly serves the residents of Ophir, offering a comprehensive range of insurance options tailored to this unique mountain town. Located in the San Juan Mountains of San Miguel County, Ophir is a tiny but scenic town with a population of just under 200. At an elevation of 8,120 feet, Ophir offers breathtaking views of the surrounding mountains and valleys. Known for its historic charm and natural beauty, the town offers outdoor enthusiasts access to hiking, skiing, and more. Ophir’s proximity to Telluride provides residents with easy access to world-class amenities while maintaining the peaceful atmosphere of a remote mountain community. The town’s primary ZIP code, 81426, includes both Ophir’s quaint homes and the surrounding natural landscape, enhancing its appeal as a secluded mountain retreat.
Though Ophir has a smaller housing market, it is characterized by unique mountain homes, cabins, and large lots, offering stunning views of the surrounding terrain. Real estate in Ophir can be more expensive than in nearby towns due to the town’s desirable location and scenic appeal, but it’s a perfect place for those seeking a rural, nature-centric lifestyle. The town’s history, once being a mining settlement, adds to its charm for those interested in the Old West. Ophir is an ideal retreat for those who want seclusion with easy access to nearby recreational and cultural amenities in Telluride.
Castle Rock Insurance connects Ophir residents with trusted carriers like Safeco, Liberty Mutual, Progressive, and Nationwide, offering flexible options to protect their homes, autos, and personal belongings.
Insurance Options in Ophir
Castle Rock Insurance proudly serves Ophir with a wide range of insurance options, providing peace of mind and security through a trusted local broker. As an independent broker, Castle Rock Insurance partners with top carriers to offer a variety of coverage choices. From homeowners and renters insurance to auto and other essential policies, Castle Rock Insurance ensures Ophir residents get comprehensive protection suited to their mountain lifestyle.
One of the key advantages of working with Castle Rock Insurance is the ability to compare policies from multiple carriers. This ensures that Ophir residents have access to the best coverage at competitive rates. With their personalized service, Castle Rock Insurance takes the time to understand each client’s needs, providing tailored solutions to protect homes, vehicles, and belongings in this mountain setting.
How Much Does Insurance Cost in Ophir?
Insurance premiums in Ophir can be higher than in more urban areas due to its mountain location, which increases the risk for certain types of claims, such as weather-related events. Castle Rock Insurance offers tailored quotes for Ophir residents by comparing multiple carriers to find the best coverage at the most competitive prices. Below are typical price ranges for popular types of insurance policies:
- Auto Insurance: $400 – $650 per year
Average premiums in Ophir are influenced by factors such as the area’s terrain, vehicle type, and driving history. Snow and mountain driving conditions contribute to higher premiums. - Home Insurance: $1,000 – $1,800 per year
Homeowners in Ophir can expect to pay more due to the risk of natural disasters like snowstorms and wildfires. Costs depend on the value and location of the property. - Renters Insurance: $175 – $300 per year
Renters insurance provides coverage for personal belongings and liability. Prices vary based on the size of the unit and the level of coverage required. - Condominium Insurance: $250 – $450 per year
Condo insurance in Ophir covers both personal property and shared liability between units. Premiums depend on the size of the unit and coverage needs. - High-Value Home Insurance: $3,000 – $5,500 per year
For high-value homes, premiums vary significantly based on location, property size, and security features, with customized coverage options available for unique homes.
Castle Rock Insurance works with over 20 carriers to offer affordable, customized insurance solutions for Ophir residents, ensuring that they are protected while enjoying their mountain lifestyle.
Get an Insurance Quote to Stay Protected in Ophir
Castle Rock Insurance is a trusted choice for Ophir residents seeking reliable and affordable insurance coverage. As a local, independent broker working with over 20 carriers, Castle Rock Insurance provides customized solutions to meet the specific needs of Ophir’s mountain community. Discounts are available for bundling, mature drivers, and homes with enhanced security features, ensuring residents receive the best protection at competitive rates.
