Located in Routt County, Yampa, Colorado, is a charming small town nestled in the scenic Yampa Valley. Known as the “Gateway to the Flat Tops,” Yampa sits at an elevation of 6,701 feet, with about 430 residents who enjoy the stunning mountain and valley views surrounding the area. This quiet town offers access to the famous Flat Tops Wilderness Area, a beloved spot for hiking, camping, and wildlife spotting, making it a perfect retreat for nature enthusiasts. With a warm, close-knit community, Yampa embraces a slower pace of life that appeals to families, retirees, and those seeking a peaceful escape.
Yampa’s location along Highway 131 connects it to nearby communities and provides a scenic drive through the valley’s rugged beauty. Landmarks such as the Flat Tops Scenic Byway and Bear River add to the town’s outdoor appeal, drawing visitors and residents alike. The 80483 zip code area is home to a welcoming community rich in agricultural heritage and surrounded by incredible natural landscapes, offering a unique blend of small-town charm and scenic adventure.
How Much Does Insurance Cost in Yampa?
Insurance rates in Yampa are generally more affordable than in larger towns, thanks to its rural setting and lower risk for natural disasters. However, factors like property value and coverage needs can impact the cost. Below are average costs for common types of insurance in Yampa:
- Auto Insurance: Typically ranges from $600 to $1,000 annually, influenced by driving history, vehicle type, and winter weather conditions.
- Home Insurance: Generally costs between $800 to $1,500 annually, based on the home’s value and size, with additional coverage for snow and weather risks.
- Renters Insurance: Usually ranges from $150 to $350 annually, depending on personal property and liability coverage needs.
- Condominium Insurance: Typically between $250 to $500 annually, providing protection for personal belongings and shared areas in multi-unit buildings.
- High-Value Home Insurance: Ranges from $2,000 to $3,500 annually, varying with the home’s location, features, and specific coverage needs for larger properties.
- Farm & Ranch Insurance: For Yampa’s farms and ranches, insurance generally costs between $1,500 to $3,000 annually, based on property size, operations, and additional coverage requirements.
Castle Rock Insurance offers tailored insurance options for Yampa residents, providing comprehensive coverage suited to the needs of rural living. With access to over 50 carriers, Castle Rock Insurance helps residents find the best rates and options, including discounts for bundled policies, mature drivers, and properties with enhanced security features.
Why Choose Castle Rock Insurance?
Castle Rock Insurance is here to help Yampa residents find the best insurance coverage at the right price. As an independent broker partnered with over 20 carriers, they provide customized quotes for home, auto, and renters insurance that match the unique needs of Yampa’s community. You can take advantage of discounts for policy bundling, mature drivers, and homes with enhanced security features. With a focus on affordability and reliable coverage, Castle Rock Insurance makes it easy to stay protected in Yampa.
Protect What Matters Most in Yampa
For residents of Yampa seeking reliable and affordable insurance, Castle Rock Insurance offers comprehensive solutions tailored just for you. As a local independent broker, they connect you with options from more than 20 carriers, providing a variety of choices to fit your lifestyle. Enjoy discounts on bundled policies and added protection for homes with security systems, ensuring you get top-notch coverage at competitive rates.
