Ward, Colorado, is a small mountain town located in Boulder County, nestled in the foothills of the Rocky Mountains along the scenic Peak-to-Peak Highway (Highway 72). With a close-knit community of around 150 residents, Ward offers a tranquil setting surrounded by alpine forests and stunning mountain vistas at an elevation of 9,450 feet. The 80481 zip code covers this historic town, known for its rustic cabins and close proximity to landmarks like Brainard Lake Recreation Area, popular for hiking, fishing, and camping. Neighborhoods near the Peak-to-Peak Highway and areas around Left Hand Canyon Drive provide residents easy access to outdoor activities and spectacular views, making Ward a serene escape for nature lovers and outdoor enthusiasts alike.
How Much Does Insurance Cost in Ward, Colorado?
Insurance rates in Ward, Colorado, can be higher than in urban areas due to the town’s high elevation and remote, mountainous location. Factors like terrain, heavy winter snow, and wildfire risk can impact premiums. However, the generally lower home values in Ward can help offset these costs. Below are the typical insurance rates for residents:
- Auto Insurance: Typically between $700 to $1,200 annually, influenced by driving history, vehicle type, and mountainous road conditions.
- Home Insurance: Generally ranges from $1,200 to $2,500 annually, based on home size, property value, and risks associated with the remote location.
- Renters Insurance: Usually costs between $150 to $350 annually, providing coverage for personal belongings and liability.
- Condominium Insurance: Typically ranges from $300 to $600 annually, offering protection for personal items and shared areas in condos.
- High-Value Home Insurance: Ranges from $2,000 to $5,000 annually, depending on the home’s location, size, and unique coverage needs.
- Farm & Ranch Insurance: For properties in Ward, farm and ranch insurance generally costs between $1,500 to $3,500 annually, based on property size, land use, and specific coverage requirements.
Castle Rock Insurance offers tailored solutions for Ward residents, providing comprehensive coverage options that take into account the unique needs of mountainous and remote areas. With access to over 50 carriers, Castle Rock Insurance helps Ward residents find competitive rates with available discounts for bundling, mature drivers, and homes with enhanced security features.
Why Choose Castle Rock Insurance?
Castle Rock Insurance is a great choice for Ward residents seeking tailored insurance options suited to mountain living. As an independent broker working with over 20 carriers, Castle Rock Insurance offers customized quotes for home, auto, and renters insurance, ensuring residents receive reliable coverage at competitive rates. Discounts are available for policy bundling, mature drivers, and homes equipped with security features, helping residents protect what matters most.
Get an Insurance Quote to Stay Protected in Ward
For Ward residents looking for dependable and affordable insurance, Castle Rock Insurance provides personalized solutions. As a local, independent broker, they partner with multiple carriers to offer policy options for homeowners, drivers, and renters, with discounts for bundling policies, mature drivers, and added security measures. Castle Rock Insurance ensures that you get top-notch protection for your mountain lifestyle at competitive prices.
