Paonia, Colorado, is a charming small town located in the North Fork Valley, with a population of about 1,500 residents. Nestled in Delta County, Paonia is known for its vibrant community, rich agricultural heritage, and stunning natural surroundings. The town features several welcoming neighborhoods, including Hidden Valley, Lamborn Mesa, and Paonia Heights, all located within the key zip code 81428. Paonia offers a mix of historic homes, cozy cottages, and rural properties, creating an inviting environment for families, farmers, artists, and those seeking a laid-back, community-focused lifestyle.
Located along Colorado State Highway 133, Paonia is well-connected to nearby towns like Hotchkiss and Carbondale, while still offering a peaceful, secluded atmosphere. The town is surrounded by orchards, vineyards, and farms, reflecting its strong agricultural roots and making it a hub for local produce and winemaking. Outdoor enthusiasts enjoy access to nearby mountains, trails, and the Gunnison National Forest, providing opportunities for hiking, biking, and exploring. Paonia’s historic downtown area is home to local shops, art galleries, and farm-to-table restaurants, reflecting the town’s creative and welcoming spirit.
Castle Rock Insurance, an independent insurance broker, provides Paonia residents with personalized coverage solutions tailored to their needs. Partnering with top carriers like Safeco, Liberty Mutual, Progressive, and Nationwide, Castle Rock Insurance offers a variety of insurance options, including homeowners, renters, and auto insurance. As an independent broker, Castle Rock Insurance has the flexibility to shop multiple carriers to ensure Paonia residents receive the best coverage at competitive rates. With local expertise and an understanding of Paonia’s unique community needs, Castle Rock Insurance is dedicated to delivering customized insurance solutions that provide peace of mind to individuals and families throughout this charming, agricultural town.
How Much Does Insurance Cost in Paonia?
In Paonia, Colorado, insurance costs can vary depending on the policyholder’s needs and the chosen 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 Paonia is about $1,300 to $1,900 per year, with premiums influenced by factors such as the driver’s age, vehicle type, and driving history.
2. Home Insurance
Homeowners in Paonia typically pay $1,200 to $1,700 per year for home insurance, with rates varying based on the home’s value, location, and the selected coverage options.
3. Renters Insurance
Renters insurance in Paonia generally costs around $130 to $220 per year, depending on the amount of personal property coverage and any additional liability protections included.
4. Condominium Insurance
Condo insurance in Paonia averages $250 to $450 per year, depending on the size of the condo and the coverage needed for personal property and liability protection.
5. High-Value Home Insurance
For homes valued at $1 million or more, high-value home insurance premiums in Paonia range from $2,800 to $4,800 per year, with rates influenced by the home’s location, security features, and the level of customized coverage needed.
If you’re looking for personalized insurance quotes and advice, consider working with 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 Paonia
Castle Rock Insurance is an excellent choice for Paonia residents seeking personal and residential insurance coverage. As a local, independent broker, they partner with over 20 personal and residential carriers, offering a variety of policy options. With discounts available for bundling policies, mature drivers, homes with security systems, and vehicles equipped with anti-theft devices, Castle Rock Insurance ensures that Paonia residents receive customized, cost-effective insurance solutions to fit their unique needs.
