Salida Homeowners Insurance

Local independent agents are ready to help you find the best and most affordable coverage.

Written by Meg Stefanac
Written by Meg Stefanac

Financial blogger and business owner, Meg Stefanac, has more than 15 years experience working in the financial services industry and enjoys helping individuals make solid financial decisions. Meg has extensive experience writing about insurance and finances and is a key contributor to

Reviewer: Jeffrey Green Reviewed by Jeffrey Green
Reviewer: Jeffrey Green
Reviewed by Jeffrey Green

Jeff Green has held a variety of sales and management roles at life insurance companies, Wall street firms, and distribution organizations over his 40-year career.  He was previously Finra 7,24,66 registered and held life insurance licenses in multiple states. He is a graduate of Stony Brook University.

Salida Colorado Homeowners Insurance

The mountain town of Salida, Colorado, is home to about 5,300 people. A tourist-friendly hamlet, Salida is the first certified creative district in Colorado. If you own a house in this historic and lively city, you can protect your investment with a comprehensive homeowners insurance policy.

Independent agents are ready to help you find the best home insurance policy. These local agents can shop around the find the coverage you need at the most affordable price. Contact an insurance agent near you to start comparing a selection of customized homeowners insurance quotes.

How Much Does Homeowners Insurance Cost in Salida, CO?

Home insurance rates in the state of Colorado are higher than the national average. Shopping around for the best price has the potential to save you hundreds of dollars a year.

  • National average yearly premium: $1,211
  • Colorado average yearly premium: $1,495

Your actual home insurance costs are likely to differ from the average rate listed above. This is because rates are based on several factors such as the following.

  • The size of your home, the year it was built, and the materials used in its construction
  • The number of stories your house has and whether or not it has a basement
  • The type of home you are insuring (e.g., single-family detached, manufactured home, rental property, vacation house, etc.)
  • The crime rate and weather risks where your house is located
  • Your claims history and credit score
  • The size of your deductible
  • Whether you are bundling your homeowners coverage with another policy like car insurance or RV insurance

Reviewing a variety of rates lets you choose the homeowners insurance policy that offers all the coverage you want at the most competitive price.

What Are the Risks Faced by Homeowners in Salida?

Your home insurance policy is designed to cover against most of the damaging risks you are likely to face as a homeowner in Salida. This includes coverage against hazards such as the following.

  • Fires, including accidental fires and wildfires
  • Property crimes, including burglary, vandalism, and arson
  • Severe storms, including thunderstorms, windstorms, and hailstorms
  • Harsh winter weather, including heavy snows and ice accumulation

There are two parts to your property coverage.

  • Dwelling insurance: This covers damage to the structure of your home, including built-in appliances
  • Contents insurance: This covers loss or damage to your personal property such as clothing, furniture, and electronics.

You will want to be sure that your coverage limits are high enough to enable you to fully rebuild or replace your property if a disaster like a fire causes a total loss.

What about Coverage for Flood Damage in Salida?

Homeowners insurance specifically excludes flood damage from what it will cover. You may therefore want to supplement your coverage with a flood insurance policy through the National Flood Insurance Program (NFIP).

According to, flooding causes about $110,000 in damages in Salida every year, and an estimated 148 properties in this city are at significant risk for flooding.

The NFIP enables homeowner to purchase up to $250,000 in structural coverage and up to $100,000 in contents coverage to protect against flood-related loss and damage. The policies take 30 days to go into effect, so do not wait until flooding is imminent top purchase a policy.


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Our independent agents shop around to find you the best coverage.

Why Is Liability Insurance Important for Salida Homeowners?

All homeowners insurance policies include personal liability protection. This can cover expenses such as court costs, legal fees, settlements, and damages if you or someone in your household are unintentionally responsible for another person experiencing a injuries, property damage, or financial losses.

Here are examples of times your homeowners liability insurance can provide coverage.

  • A guest is severely injured in an accident on your property.
  • Your dog gets loose and bites someone.
  • Your child hits a baseball through the windshield of a parked car.
  • You or your spouse are accused of libel or slander.
  • You accidentally strike someone with a golf club while hitting the links at the Salida Golf Club.

If you want more liability coverage than your home insurance can provide, you can also purchase an umbrella insurance policy. This is an affordable way to boost all of your liability coverage.

What Is Loss of Use Insurance?

All homeowner insurance policies also include loss of use coverage. This can provide you with the funds necessary to cover temporary, alternative housing if your home is left uninhabitable due to damage caused by a covered event such as if it is destroyed by a fire or a tree falls onto it.

In addition to covering the cost of a hotel or other temporary accommodations, this insurance may also provide you with a meal allowance if you do not have access to a kitchen, and mileage reimbursement if you must drive further to get to work.

Does Salida Homeowners Insurance Cover against Burglaries?

The burglary rate in Colorado is similar to the national rate. In Salida, however, the risk is much lower. Residents of this city reported only seven burglaries in 2019.

  • Number of burglaries per 1,000 homes in the US: 3.76
  • Number of burglaries per 1,000 homes in Colorado: 3.75
  • Number of burglaries per 1,000 homes in Salida: 1.16

Although the risk is low, it is a good idea to take preventive measures to lower your risk of being targeted by burglars. One of the most effective theft deterrents is a home security system. That is why many insurance companies offer policy discounts to policyholders who have them installed in their homes.

Of course, nothing is 100% foolproof. If you are the victim of a burglary, you can rest assured that your homeowners insurance can reimburse you for your stolen property as well as for any damage done to your home. You will need a copy of the police report when you file your claim.

Why Work with an Independent Insurance Agent in Salida, CO?

When you are looking for the best policy to cover your home, look no further than an independent insurance agent. 

These local agents understand the risks you face as a property owner in Salida. They are also free to with several different insurance providers so they can save you time and money by doing the comparison-shopping for you.

Arrange an obligation-free consultation with an insurance agent near you to get answers to your insurance-related questions and to start comparing customized homeowner insurance quotes.

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