Home Insurance El Paso County CO

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2023 Home Insurance El Paso County CO

Home Insurance

El Paso County

El Paso is short for “El Paso del Norte”, which is Spanish for “The Pass of the North”. It is named for the pass the Rio Grande creates through the mountains on either side of the river. The county is northeast of the Mexico–United States border.

Insurance rating factors in El Paso

Have you ever wondered how your insurance premium is determined? There are several ‘rating factors’ insurance companies use to calculate the cost of insurance. Some have a larger impact than others, such as your driving record and your credit history. Both of those rating factors are heavily weighted, because they determine wither or not you will pay your bills on time, and if you are more likely to get into an accident, than someone with a clean driving history. Look below to see the other ratings factors and their impact.

FactorRate Impact
FactorRate Impact
Anti Theft DeviceLow
Vehicle Performance (Symbol)Medium
How Long Have You Owned The VehicleLow
ProfessionLow
How Many Drivers Per Vehicles Listedmedium
GenderMedium
Driving RecordHigh
Credit HistoryHigh
Marital StatusMedium
Insurance HistoryMedium
Home Insurance El Paso County
Home Insurance El Paso County
Home Insurance El Paso County

Violations in El Paso

Accidents and tickets happen to the best of us. Unfortunately, those violations can have a big impact on what our insurance rates look like. Even some of the minor violations like speeding or running a stop sign can impact your rates for up to 3 years. Below you can see a list of other violations and how long they impact you.

Violation NameMajor, Minor, or Non MovingHow Long it Will Affect Your Insurance Rates
ParkingNon MovingNA*
SpeedingMinor3 Years
Failure to maintain Clear Distance (tailgatingMinor3 Years
Failure to Use a Seat BeltNon MovingNA*
Improper Lane useMinor3 Years
Expired TagsNon MovingNA*
Driving without a LicenseMajor3 Years
No Proof of insuranceNon MovingNA*
Using a Cell Phone with DrivingMinor3 Years
Running a Traffic Light or Stop SignMinor3 Years
At Fault AccidentMajor5 Years
DUIMajor10 Years
Home Insurance El Paso County
Home Insurance El Paso County
Home Insurance El Paso County

How age and gender affect your Insurance rates

Why does age and gender affect my insurance rates? Statistically, an older more experienced driver, is less likely to get into an accident than a younger driver just starting out. It takes years to develop driving skills and become a safe driver. Someone with more experience is going to have a cheaper insurance rate than someone just starting out. Below you will see the average cost for each age group and gender in El Paso County Colorado.

AgeMaleFemale
16-18$ 231.84$ 184.09
19-24$ 193.20$ 161.00
25-30$ 139.84$ 124.84
31-40$ 110.40$ 106.08
41-50$ 109.48$ 98.44
50-65$ 99.36$ 101.48
65+$ 106.08$ 114.08
Home Insurance El Paso County

SR22 Insurance in El Paso

When looking into filing for a SR22, keep in mind every insurance company is going to be different. If they file for it, you can expect to pay about $25-$35 dollars. We made a list of some insurance carriers in El Paso and you will see if they file with it and how much the fee is.

Below is amount the amounts company adds to the premium to file the SR22 with the state.

CompanyAverage (SR22 Fee)
Assurance America$25
Bristol West$35
DairylandFree
Gains Co$25
Mendota$25
Progressive5% (average)
State FarmSR22 Not available
The General$25
TravelersSR22 Not available
Home Insurance El Paso County

We save our client in El Paso an average of $602.55

We have averaged the amount of money we save our customers in El Paso County. We work with several insurance companies, and offer many discounts that could mean a big difference in the long run. Even an extra $5 a month adds up over time! Call us to get a free quote and we will work hard to apply every and all discounts we can for you

Number of Candy bars you could buy435
Months of Netflix43
Number of Peanuts you could buy107568
Home Insurance El Paso County

Things To Remember When Shopping For Home Insurance

One important quality check to consider when shopping an affordable home insurance deal is to make sure that your package choice can provide you full coverage. There are some facts that need to be taken into account when purchasing an insurance cover for your new home and here are a few:
Most of the time, after you loss a home, the next thing that you need to consider is to buy an insurance package. The home building materials used to make the house should be protected by a home structure policy. Don’t purchase a policy that doesn’t cover the home construction and structure.

One step forward is to ask some help from the professionals in the home insurance industry and take advantages of the services they offer, as there are huge gains when having their help. You’ll have to pay them on an hourly basis for their professional service. Home Insurance El Paso County Colorado can be a great help for your situation. They are a home insurance company offering free quotes for you.


You should also take note that the possessions you have in your home, such as expensive electronics, valuable paintings and books also require protection so be confident that they’re completely protected by purchasing a deal that covers the home content protection. This needs to be included in the home insurance El Paso county policy that you’re buying.


A lot of mortgage companies also require borrowers to get a policy before granting you a financial assistance. Make sure to carefully check the details of all financial arrangements before you pay for their offers.

Having a home content and structure cover is very essential. To a great extent, your property is already in good protection if you buy a policy that covers both your house and possessions in it. Accidents can happen that will affect only the content and not the home structure, i.e. theft.

Thieves nowadays know to get into the buildings without destroying the structure of the building. In situations like this, the home contents policy will take charge as long as your possessions were stolen or got missing inside your house.


Someone could get injured within your premise; you might not be actually responsible for the injury, but it happened within your property. Ensure to include the liability coverage in your home insurance policy. If you fail to include this, you will have to pay the medical bills and charges of the injured person.


Be confident that your home insurance policy covers the damages done by burglars, flood, etc. and have provision for liability of the injured individual on your property. Take all you time and include the most valuable possessions you have in the policy that you plan to buy. Until the recent time, many people don’t mind the dangers of natural disasters.

In the case of damages to your home caused by any of the disasters and you’re forced to live elsewhere while the repairs are happening, you will have to pay large amounts of money for relocating if you didn’t include the outside living expenses in your home insurance policy.

Home Insurance El Paso County

Plan for the unexpected and buy home insurance El Paso county.
Get affordable home insurance to help pay for the repairs, extra living expense, and replacement costs if something happened to your house. Theft, lighting, hail, wind, flood, fire you are completely covered. You will just need to pay your deductibles, and your policy will completely take good care of the rest.


Home Insurance El Paso County will protect you in more ways than what you’d think. We will include as much coverage as you desire to protect you, your home’s physical structure, and items in it. Get your free home insurance quote today, and add whatever coverage you want in order to make you feel completely protected. We will provide you the best home insurance coverage that is just perfect for you.

  • For big and small claims, whether it is a minimal damage on your house or property structure, a total loss, or something happened unexpectedly, we will help you keep protected through it all. If you live in a flood-prone area, be sure to add the flood coverage to protect your home from flood-caused damages.
  • To protect your possessions or any personal belongings, such as expensive electronics, clothes, furniture, jewelry or other items (even those are not stored inside your house), homeowners will keep you protected. All of those can be covered if they are damaged or stolen. We will guide you to what you desire to cover before you buy your homeowners coverage.
  • If you can’t possibly stay at your residence because of repairs, your home insurance policy can cover your entire hotel expenses and meals. In addition to that, your legal fees will also be covered if in case you’re sued by someone.

A Home Insurance El Paso County agent will work with you to determine the home insurance policies that best suit your budget and needs. Your agent will help you customize the policy to fit your specific needs.

CoverageExplanation
Replacement Cost CoveragePays the entire amount to replace or repair the damaged area of your home, without considering the depreciation.
Replacement Cost Guarantee CoveragePay the replacement and repair costs up to 125% of the insured value of your property. This coverage will protect you when a storm has caused a widespread damage and pushed the cost of materials and labor above the normal cost to repair or replace your home.
Real Cash Value CoverageReimburses the covered loses to your home to its current value the condition, age, and worth of the home are all considered when settling the losses.
Home Insurance El Paso County

*Update- We now proudly represent ASI (American Strategic Insurance)

Additional coverage to include in your home insurance El Paso County policy:

Coverage Explanation
Residential Equipment BreakdownProtects the home systems that are covered under the home insurance policy such as your computers, TVs, stereos, appliances, water heater, air conditional, furnace, etc.
Liability Coveragethis is an overarching liability coverage that will cover the costs beyond the car and homeowners liability in case of an accident.
Special Personal Property Insurance Covers your valuable items such as electronics, jewelry, cameras, that arent included in your homeowners coverage.
Other buildings CoverageProtects your unattached storage sheds, garages, and other buildings on your property.
Home Insurance El Paso County

Do not simply secure your home – secure your future
There is more to your home than just the house. It shelters every milestone you and your family have. It is the vessel that held dear and happy memories. Among all the places in the world, it’s the only place that defines the unique you.


When something unwanted happened, you want to be able to get up on your own as soon as possible. That is why entrusting your home owners insurance coverage is a big leap you need to think about. Do not make the hasty selection of who you would trust with it.


What you need is a partner that would stay for a long term. You need a partner that truly understands the needs you and your family have. You need some peace of mind. Here in El Paso, CO, that is possible through our customer service made exceptional just for you. You need us.

Option Evaluation


Together, let us evaluate what your options are.
Our representative will be there to help you identify the home coverage that would suit you perfectly. We do not settle with just understanding the requirements you have. We will be working with you in making you understand how every home insurance policy works especially the one you chose. It does not matter if you are looking for a new home to buy, looking for better choices or exploring all those options – we are here to help you on it.


With many options ahead of you, you may feel overwhelmed. Well, that is just fine. We are the home insurance El Paso County experts that can help you in it. We will help you find the best home insurance that you can buy for your family and yourself.

Protect Your House

Talk to us now and get a quote. Your home is more than just the structure and appearance. It is where you have built your family and made wonderful memories. Protect your home by getting the right homeowner’s insurance policy offered at the most affordable rate possible. We are offering our services at a very competitive price. We want to help in protecting your home. You will not go wrong with entrusting your house to us.


We know how much you value your home. There is so much more to it. Securing it now will guarantee that your future will be secured as well. We do not wish for bad things to happen but there is nothing wrong with being prepared.


We made our offerings extraordinarily exceptional just for you. We understand what the value of your home is to you and your family. So with that, we guarantee that it will estimated in our hands.
Get your quote from us now and stop securing your home. How you secure your home now is how you ensure your future. So do it wisely.

Do You Need Homeowners Insurance?

If you are looking for a place where you can stay, you are also required to buy homeowners insurance that is eligible for your financing. There are different kinds of homeowners insurance today that is available on the market that can offer you different kinds of categories of policies and levels of protection. But most of these policies can offer you affordable cost that will ensure for your home and belongings to get protected for some damages.


Due to this, many of the home owners today opt to buy comprehensive policies that cover not just your home but as well as the belongings inside it.

Real Protection for Your Home

Having new home is also in need with homeowner insurance policy where you will have the assurance that you will receive the liability and property protection. It will greatly cover your residence, the structures that are attach and at the same time, the structures of your property like personal property and storage shed.

Home insurance El Paso county can also allow you to reimburse for the actual value of your property as well as the cover replacement cost and cover the loss valuable items such as jewelry if in case there is some catastrophic event. Thus, it will get cover for your living expenses in times there is extremely damage in your property.

Provide Protection to Damages in Your Home

Having a homeowner policy you will ensure that whatever damage may cause in your home, you will get protection against it. among of the damages that will include in their insurance coverage includes the vandalism, theft, fire, storms, ice, and it can also cover for the damage that is caused by pipes.

Offers Liability Protection

One of the best things about the home insurance is that it can cover the damages once the people inside your home got injured. In case you guest has been injured while inside your property, your coverage for liability protection will be the one who will pay for medicines and involved the injured party.

Offers Personal Liability

You will always have peace of your mind once you have your homeowner policy because you will get cover in your personal liability since it is part of your insurance policy. It will protect you in case someone has been injured in your home.


So in buying your homeowner insurance policy for your property, you can ask for their free quote before you start to purchase one. It is because you will have the assurance which rate is best for you that suits you.


In addition, there is a need for you to find the Home insurance El Paso County provider whom you can trust and has reputable company. This will guarantee you that your investment is worthy for it and will not be wasted. Homeowner insurance policy will provide you the maximum protection for your home once there is an accident that might occur.

What is Homeowners insurance?

Homeowner Insurance is a kind of insurance on your property specifically designed in order to protect the individual’s home from damages of the house or damages to the assets or belongings under the property. In addition, it can provide liability coverage from an accident in your property or home.


In El Paso, Colorado, there are seven kinds of standardized homeowners insurance. It has a wide range from HO-1 to HO-8 and at the same time, it provides a different level of protection depend on the need of a homeowner.

Is Homeowners Insurance Important?

When you are choosing for your home insurance, it is typical some questions will come out in your mind such as:

“What is the value of your home coverage?”

“Is Homeowners coverage required?”

On behind of that question, the fact on this insurance is that it is an important thing that you must have in your home. In order for you to satisfied, here is the following reason why this is important:

  • Lenders Require This

Before a lender refunds your refinance, they will ask you to provide a proof that your house is insured. With having this, they can ensure that their financial investment is protected. In some situation, once you have not secured coverage on the home on their period, the lender will cancel your deal or buy insurance.

  • Your House Is Your Biggest Investment

Once you have invested in your house, the value will increase over time and the house price will not bounce back. Owning of a house is financial investment wherein you can ensure that security for future years that will come. Having of homeowner insurance is the place wherein you can protect your investment.

  • Having An Active Home Insurance Policy Can Bring A Peace Of Mind

Having homeowner insurance cannot protect you against numerous forms of natural calamities, but this can put you in a safe place when the catastrophe strikes. If you have this, you can ensure that you will be better equipped on crisis or storm. You are financially protected.


In El Paso, Colorado, it gives an affordable rate to their clients that they can surely afford. Having homeowner insurance can give you various benefits. With that, they ensure that they have the excellent service that every client is looking for.
Therefore, if you are looking for a company that can give you a best quote and service, Home Insurance El Paso County, Colorado is perfect for you.


List of other Home Insurance companies that we routinely compete with: Amica, State Farm, Allstate, MetLife, and Farmers. We proudly represent ASI and Travelers Insurance.

Homeowners Insurance Coverage

The coverage of Home insurance El Paso county can cover the damage that is caused by fire, hail, windstorm, vandalism, and theft. There is also some homeowner’s insurance security that serves as the best supplemental type of insurance that you can buy. Most of this insurance security policy can provide you the following:

Dwelling CoverageIt will pay you for the rebuild or repair once it gets damage.
Structure CoverageIt will pay for the damages that have been detached from your homes such as cottages, fences, sheds and much more.
Loss of the Use CoverageIt also pays for the additional living expenses and housing in case there is a need for you to move temporarily while you are waiting to restore your home.
Personal Property CoverageYou can use it to reimburse all the personal belongings inside your home that is covered with your insurance security. It includes electronic, sporting goods, cloths, and furniture.
Liability CoverageThrough the use of Homeowners insurance Security, you will be get protected when it comes to your assets and cover all the cost in the event of the lawsuit wherein your family is very responsible in causing damage or injuries to other property or people.
Home Insurance El Paso County

Aside from this, having this kind of insurance for your home, you will get highly confident since you have the insurance that fits your budgets and needs.

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Last Updated on by Alexis Karapiperis