Superior is a vibrant town located in Boulder County, Colorado, with a population of approximately 13,000 residents. Situated just a short drive from both Boulder and Denver, Superior offers the perfect blend of small-town charm and urban convenience. Known for its well-planned neighborhoods, top-rated schools, and extensive trail systems, Superior is a desirable place to live for families, professionals, and outdoor enthusiasts. The town’s proximity to the Rocky Mountains and its modern amenities make it an attractive choice for Colorado residents.

Superior, CO Insurance Overview

• Neighborhoods in Superior
• Average Insurance Costs in Superior
• Factors Impacting Insurance Costs
• Insurance Carriers Serving Superior
• Get an Insurance Quote for Superior

With its carefully designed residential areas and strong sense of community, Superior stands out as a town that offers both quality of life and accessibility. The primary ZIP code for Superior is 80027, encompassing its neighborhoods, parks, and commercial centers. Superior exemplifies the modern, family-friendly lifestyle that Boulder County is known for.

Neighborhoods in Superior

Superior is home to a variety of neighborhoods, each contributing to its welcoming atmosphere and appeal:

• Rock Creek Ranch: A master-planned community featuring single-family homes, townhomes, and apartments. This neighborhood boasts parks, pools, and miles of trails.
• Superior Town Center: A newer development with modern apartments, retail spaces, and community amenities, offering an urban vibe in a suburban setting.
• Sagamore: A quiet residential area with spacious lots and close proximity to local schools and parks, ideal for families.
• Coal Creek Crossing: A charming neighborhood with newer homes and easy access to trails and open spaces, perfect for outdoor enthusiasts.
• Downtown Superior: The hub for shopping, dining, and entertainment, featuring a mix of commercial spaces and residential developments.

Estimated Insurance Costs in Superior

Superior’s modern infrastructure and location influence the insurance needs of its residents. Castle Rock Insurance offers comprehensive coverage options to protect homes, vehicles, and belongings.

Estimated insurance costs for Superior residents include:

• Homeowners Insurance: $800 – $1,600 annually, with premiums influenced by home value, location, and proximity to open spaces.
• Renters Insurance: $150 – $350 annually, providing affordable coverage for personal belongings and liability.
• Auto Insurance: $900 – $1,500 annually, affected by driving history, vehicle type, and local traffic conditions.
• Condominium Insurance: $400 – $700 annually, covering personal property and interior features not included in HOA policies.
• High-Value Home Insurance: $2,000 – $6,000+ annually, tailored for luxury homes and unique assets.
• Flood and Fire Zone Insurance: $400 – $1,200 annually, critical for homes near open spaces prone to wildfires or heavy rain runoff.

Castle Rock Insurance takes pride in offering personalized solutions for Superior’s residents. Whether you’re insuring a modern home, securing auto coverage, or protecting valuable assets, we’re here to help. Contact us today to explore your options.

Factors Impacting Insurance Costs in Superior

Superior, Colorado, offers a family-friendly environment with excellent amenities, but certain factors can influence insurance premiums. These include:

Wildfire Risk: Proximity to open spaces and grasslands increases the risk of wildfires. While Superior is not as high-risk as mountain towns, its location near undeveloped areas can still impact homeowners insurance.

Weather Conditions: Superior experiences hailstorms, high winds, and occasional heavy snowfall, contributing to higher premiums for both home and auto insurance.

Proximity to Emergency Services: Homes located near fire stations and the Superior Police Department benefit from reduced premiums due to faster response times.

Traffic and Roads: Superior’s proximity to US-36 and increasing commuter traffic can contribute to higher auto insurance rates.

Crime Rates: Superior has low crime rates compared to urban areas, which helps keep premiums more affordable for homeowners and renters.

Insurance Carriers Serving Superior

Castle Rock Insurance partners with top carriers to provide Superior residents with competitive and diverse insurance options. Our trusted carriers include:

• Safeco: Comprehensive coverage for home, auto, and renters insurance with flexible options.
• Liberty Mutual: Known for customizable policies and bundling discounts.
• Progressive: Offers competitive auto insurance rates and digital tools for policy management.
• Nationwide: A trusted provider of home, auto, and specialty insurance with strong customer service.
• Auto-Owners: Reliable personal and commercial insurance options with excellent claims service.
• Travelers: Offers extensive coverage options for home, auto, and umbrella insurance.
• Foremost: Specializes in insuring mobile homes, motorcycles, and recreational vehicles.
• Chubb: Provides high-value insurance solutions for luxury homes and assets.

Live in Superior? Get Insured Today!

Castle Rock Insurance is committed to helping Superior residents find cost-effective, personalized insurance solutions. With access to over 20 carriers, we offer tailored policies to meet the unique needs of this thriving community. Contact us today to get started.