Starkville, Colorado, is a tranquil, rural town in southeastern Colorado, located in Baca County along U.S. Highway 160, just a short drive from the New Mexico border. With a small population of about 200 residents, Starkville sits at an elevation of 4,300 feet and offers sweeping views of the vast plains and surrounding rolling hills. The town is within the 81071 zip code and is conveniently situated near notable landmarks like the Comanche National Grassland, where locals enjoy outdoor activities such as hiking, birdwatching, and exploring the natural landscapes. Key roads in town, like Main Street and County Road 27, connect residents to nearby communities and scenic areas.
The housing market in Starkville mainly features single-family homes, modest ranch properties, and seasonal cottages, often on larger plots of land. Neighborhoods like South Park and Walnut Hill offer properties ideal for those interested in rural living, with space for outdoor activities and farming. With spacious lots and affordable real estate, Starkville appeals to families, retirees, and anyone seeking privacy and a slower-paced lifestyle. The town’s friendly, close-knit community fosters a welcoming environment, where residents gather for local events and share a strong connection to the land and lifestyle.
How Much Does Insurance Cost in Starkville?
Insurance costs in Starkville are generally lower due to its rural setting, though premiums vary based on home value, coverage options, and property risk. Below are the typical price ranges for common types of insurance policies in Starkville:
- Auto Insurance: Auto insurance in Starkville typically costs between $500 to $750 annually, with rates influenced by factors like driving record, vehicle type, and rural road conditions.
- Home Insurance: Homeowners in Starkville can expect premiums ranging from $800 to $1,200 annually, depending on home value, location, and potential weather-related risks.
- Renters Insurance: Renters insurance generally costs between $150 to $250 annually, offering coverage for personal belongings and liability.
- Condominium Insurance: Condo insurance in Starkville is typically priced between $300 to $500 annually, covering personal property and liability needs.
- High-Value Home Insurance: For high-value homes, premiums can range from $2,500 to $4,500 annually, based on property size, location, and additional coverage options.
- Farm & Ranch Insurance: For farms and ranches in Starkville, insurance costs range from $1,500 to $3,500 annually, depending on property size, operations, and specific coverage requirements.
Castle Rock Insurance specializes in providing tailored insurance coverage for Starkville residents. As a local, independent broker with access to over 50 carriers, Castle Rock Insurance ensures that Starkville residents receive competitive rates and customized policies to meet their unique needs.
Get an Insurance Quote to Stay Protected in Starkville
Castle Rock Insurance is the perfect choice for residents of Starkville seeking affordable and customized insurance solutions. As an independent broker with access to over 20 carriers, Castle Rock Insurance offers a variety of options for auto, home, and renters insurance. With discounts for bundling, mature drivers, and homes with added security features, Castle Rock Insurance helps Starkville residents find the best coverage at competitive rates.
