Silver Cliff, Colorado, is a picturesque town in the foothills of the Sangre de Cristo Mountains in Custer County. With just over 600 residents, Silver Cliff offers a peaceful, close-knit community atmosphere. Located at an elevation of 7,400 feet within the 81252 zip code, the town is surrounded by breathtaking mountain views, making it a favorite for nature lovers and outdoor enthusiasts. Founded during the silver mining boom of the late 1800s, Silver Cliff’s historic buildings and landmarks reflect its rich mining heritage.
The housing market in Silver Cliff is relatively affordable compared to larger Colorado towns and includes a variety of options, from historic homes and single-family residences to newer homes with expansive mountain views. The town’s mix of families, retirees, and individuals seeking a quieter lifestyle creates a welcoming community. While Silver Cliff retains its rural charm, it’s conveniently located near Westcliffe, providing easy access to additional services and amenities. With its historical charm, scenic setting, and affordable housing, Silver Cliff is an ideal location for those looking to enjoy a serene, picturesque life in Colorado’s mountains.
How Much Does Insurance Cost in Silver Cliff?
Insurance costs in Silver Cliff are generally more affordable compared to larger urban areas, though premiums can vary based on factors like property value, location, and specific coverage needs. Below are typical price ranges for popular insurance policies in Silver Cliff:
- Auto Insurance: Typically costs between $450 to $750 annually, depending on driving history, vehicle type, and rural driving conditions.
- Home Insurance: Homeowners can expect to pay between $750 to $1,200 annually, with rates affected by home value, location, and risks such as wildfires and snow damage.
- Renters Insurance: Generally costs between $120 to $200 annually, providing coverage for personal belongings and liability protection.
- Condominium Insurance: Typically ranges from $230 to $380 annually, covering personal property and liability protection for condo owners.
- High-Value Home Insurance: For high-value homes, premiums may range from $2,000 to $3,500 annually, depending on property size, location, and custom coverage needs.
- Fire Zone Insurance: Additional fire zone coverage for properties at higher wildfire risk may add $300 to $800 annually, depending on location and fire risk level.
Castle Rock Insurance offers affordable, tailored insurance options for Silver Cliff residents. As a local, independent broker with access to over 50 carriers, Castle Rock Insurance provides expert guidance to help you find the best coverage at competitive rates.
Get an Insurance Quote to Stay Protected in Silver Cliff
Castle Rock Insurance is the perfect choice for Silver Cliff residents seeking customized and affordable insurance coverage. As a local, independent broker, Castle Rock Insurance works with over 20 carriers to provide competitive quotes and personalized protection. With available discounts for bundling, mature drivers, and homes with enhanced security features, Castle Rock Insurance ensures you receive the best coverage to protect your assets in Silver Cliff.
