Vilas, Colorado, is a quaint rural town in Baca County, nestled in the southeastern plains of the state. With a population of around 200, Vilas offers a peaceful countryside lifestyle amid vast open fields and agricultural lands. At an elevation of 3,950 feet and within the 81087 zip code, the town provides a quiet, laid-back environment, perfect for those who appreciate a slower pace of life. Known for its close-knit community, Vilas is a refreshing escape from urban hustle, with easy access to amenities in nearby towns like Springfield and Lamar.

Housing in Vilas includes affordable single-family homes, agricultural properties, and available plots for those interested in building. This rural setting appeals to families, retirees, and anyone drawn to wide-open spaces and outdoor activities such as farming and hunting, or simply enjoying the scenic landscape. The town’s small size and friendly atmosphere foster a strong sense of community, where neighbors know each other, and local gatherings are a cherished part of life. With its agricultural heritage and welcoming spirit, Vilas provides a serene and affordable retreat for those seeking rural living in southern Colorado.

How Much Does Insurance Cost in Vilas?

Insurance premiums in Vilas are generally lower than in larger urban areas due to the town’s rural setting and lower property values. However, factors such as property size, land use (residential or agricultural), and rural risks like severe weather can influence premiums. Below are the typical price ranges for different types of insurance policies in Vilas:

• Auto Insurance: Auto insurance in Vilas typically costs between $600 to $900 annually, with premiums influenced by factors like driving history, vehicle type, and rural road conditions.
• Home Insurance: Homeowners insurance in Vilas generally ranges from $900 to $1,800 annually, depending on home value, location, and factors like proximity to agricultural or flood zones.
• Renters Insurance: Renters insurance in Vilas typically costs between $150 to $300 annually, providing coverage for personal property and liability protection for tenants in rental properties.
• Condominium Insurance: Condo insurance in Vilas generally ranges from $350 to $600 annually, offering coverage for personal belongings and shared property in multi-unit buildings.
• High-Value Home Insurance: For high-value homes in Vilas, insurance premiums can range from $1,500 to $3,000 annually, reflecting the property’s value and any custom coverage needs for expansive or luxurious estates.
• Farm & Ranch Insurance: For farms and ranches in Vilas, insurance costs typically range from $1,500 to $3,500 annually, based on property size, specific operations, and additional coverage requirements.

Castle Rock Insurance is a trusted provider for Vilas residents, offering personalized insurance solutions tailored to the unique needs of rural living. With partnerships with over 50 carriers, Castle Rock Insurance ensures that Vilas residents receive competitive rates and comprehensive coverage options, with discounts available for bundling policies, mature drivers, and homes with additional security features.

Get an Insurance Quote to Stay Protected in Vilas

Castle Rock Insurance is the ideal choice for residents of Vilas seeking affordable, customized insurance coverage. As a local, independent broker working with over 20 carriers, Castle Rock Insurance offers tailored policies to meet the unique needs of rural communities. With discounts for bundling policies, mature drivers, and homes with added security features, Castle Rock Insurance helps Vilas residents secure the best coverage at competitive prices.