Silver Plume, Colorado, is a small, historic mining town in Clear Creek County, nestled in the Rocky Mountains near Interstate 70. Home to around 200 residents, this charming community offers a close-knit atmosphere and a unique glimpse into Colorado’s mining past. Located at an elevation of 9,000 feet within the 80476 zip code, Silver Plume retains much of its 19th-century character with well-preserved historic buildings and mining structures. Surrounded by towering mountain peaks and offering panoramic views of the Clear Creek Valley, it’s a picturesque destination popular with hikers and nature enthusiasts.

The housing market in Silver Plume includes a mix of historic homes and newer constructions that blend into the mountain landscape. Many properties are cozy cottages or charming historic homes, attracting those seeking a unique living experience. Silver Plume appeals to people looking for a quiet lifestyle with easy access to outdoor activities and a rich sense of history. Though small, the town is a short drive from nearby Georgetown, which offers additional amenities, while Silver Plume maintains its quiet, rural atmosphere. With its scenic beauty, historic charm, and peaceful setting, Silver Plume is ideal for those looking to embrace a laid-back lifestyle in Colorado’s Rocky Mountains.

How Much Does Insurance Cost in Silver Plume?

Insurance costs in Silver Plume are generally affordable, though they can vary depending on factors such as property value, location, and specific coverage needs. Below are typical price ranges for popular insurance policies in Silver Plume:

• Auto Insurance: Typically costs between $500 to $800 annually, influenced by driving history, vehicle type, and mountain driving conditions.
• Home Insurance: Homeowners can expect to pay between $850 to $1,400 annually, with rates affected by home age, value, and risks like wildfires or snow damage.
• Renters Insurance: Generally costs between $140 to $220 annually, covering personal belongings and liability protection.
• Condominium Insurance: Typically ranges from $250 to $400 annually, providing coverage for personal property and liability for condo owners.
• High-Value Home Insurance: For high-value homes, premiums may range from $2,500 to $4,500 annually, depending on the home’s size, location, and custom coverage needs.
• Fire Zone Insurance: Additional fire zone coverage for properties at higher wildfire risk can cost between $300 to $800 annually, depending on the home’s location and fire risk level.

Castle Rock Insurance offers customized insurance solutions for Silver Plume residents. As a local, independent broker with access to over 50 carriers, Castle Rock Insurance provides personalized quotes and expert guidance to help you find the best coverage for your needs.

Get an Insurance Quote to Stay Protected in Silver Plume

Castle Rock Insurance is the ideal choice for Silver Plume residents seeking affordable, tailored insurance solutions. As a local, independent broker, Castle Rock Insurance works with over 20 carriers to provide competitive rates and personalized coverage. Discounts are available for bundling, mature drivers, and homes with enhanced security features, helping you secure the best protection for your assets in Silver Plume.