Roxborough Park, Colorado, is a peaceful and picturesque community located in Douglas County, with a population of approximately 9,000 residents. Known for its breathtaking red rock formations, open spaces, and close-knit atmosphere, Roxborough Park offers a quiet retreat for families, professionals, and retirees seeking a scenic and tranquil lifestyle. The area features stunning properties and nature-friendly trails, making it a haven for outdoor enthusiasts and nature lovers alike. Key ZIP codes in Roxborough Park include 80125, encompassing its expansive landscapes and residential neighborhoods.

Conveniently situated near U.S. Highway 85, Roxborough Park provides easy access to nearby cities such as Littleton, Castle Rock, and Denver. Residents enjoy the benefits of peaceful living while staying close to modern amenities, shopping, and dining options. With local attractions like Roxborough State Park and Chatfield State Park, Roxborough Park blends natural beauty with opportunities for outdoor recreation and community connection. Its mix of suburban accessibility and serene surroundings makes it a truly special place to call home.

Castle Rock Insurance, an independent insurance broker, offers Roxborough Park 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, and umbrella insurance. As an independent broker, Castle Rock Insurance has the flexibility to shop across multiple carriers, ensuring Roxborough Park residents receive the best coverage at competitive rates. With a deep understanding of the Roxborough Park 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 picturesque 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 Roxborough Park residents flexible and comprehensive coverage options. These partnerships enable Castle Rock Insurance to tailor policies to meet the specific needs of Roxborough Park’s residents while offering competitive rates.

How Much Does Insurance Cost in Roxborough Park?

Insurance costs in Roxborough Park 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 Roxborough Park 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 Roxborough Park 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 Roxborough Park 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 in Roxborough Park averages $300 to $550 per year, depending on the size of the condo and the coverage needed for personal belongings and liability protection.
• High-Value Home Insurance: For homes valued at $1 million or more, high-value home insurance premiums in Roxborough Park range from $3,500 to $6,000 per year, with rates influenced by factors such as home location, security features, and customized coverage options.
• Fire Zone Insurance: Homes in wildfire-prone areas in and around Roxborough Park 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.

What Impacts Insurance Rates in Roxborough Park?

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

• Crime Rates: Roxborough Park’s low crime rates contribute to more affordable premiums for homeowners and renters insurance. Minimal property crime and auto theft also help keep costs down.
• Weather Risks: While Roxborough Park enjoys a moderate climate, occasional hailstorms and heavy snowfall can impact rates for homes and vehicles. Colorado ranks among the top states for hail damage, and Roxborough Park averages about 55 inches of snow annually.
• Wildfire Risks: Some areas near Roxborough Park face wildfire risks, particularly homes adjacent to open spaces or near red rock formations. Fire zone insurance is highly recommended for these properties, with premiums reflecting the added risk.
• Proximity to Emergency Services: Homes closer to fire stations and medical facilities in Roxborough Park tend to benefit from lower premiums. Quick access to emergency services reduces the potential for costly damage.
• Home Features: Newer homes with modern safety features such as fire-resistant materials, home security systems, and updated plumbing or electrical systems may qualify for reduced premiums.

Get an Insurance Quote to Stay Protected in Roxborough Park

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