Homeowner Insurance Costs in Morgan County, CO

How much does homeowner insurance cost in Morgan County? Here's what to expect.

Est. Annual Premium

$1,526

Monthly Cost

$127

Median Home Value

$277,400

% of Income

2.2%

Typical Coverage Breakdown

Coverage Amounts

Dwelling (Coverage A)$277,400
Personal Property (C)$138,700
Liability (E)$300,000
Deductible$2,774

Cost Context

Homeownership Rate64.6%
Median Income$70,471
Property Tax Rate0.5%
Population29,045

About Insurance in Morgan County

Homeowner insurance in Morgan County, Colorado costs an estimated $1,526 per year for a median-value home of $277,400. This represents approximately 2.2% of the median household income of $70,471.

Actual premiums depend on your home's age, construction type, claims history, credit score, proximity to fire stations, and specific peril exposures. Use our calculator for a personalized total cost of risk analysis with peril-by-peril breakdown.

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Other Counties in Colorado

County-level data from U.S. Census Bureau American Community Survey (ACS) 2022 5-Year Estimates. Additional sources: Insurance Information Institute, state insurance departments. Estimates are county-level approximations. This is not insurance advice.