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Home insurance premiums in Williamsburg, CO
| Scenario | Market estimate | FIG illustrated (39% less) |
|---|---|---|
| Typical Williamsburg home (~$400,000) | $3,542/yr | $2,161/yr |
| $300,000 dwelling | $3,124/yr | $1,906/yr |
| $600,000 dwelling | $4,396/yr | $2,682/yr |
| $1,000,000 dwelling | $5,720/yr | $3,489/yr |
The typical homeowners insurance premium in Williamsburg, CO is about $3,542 annually for a typical local home (typical local home value about $400,000). For a $300,000 dwelling, expect around $3,124 per year; for a $600,000 home about $4,396; and for a $1,000,000 dwelling about $5,720. Freedom Insurance Group rates are often about 39% lower — near $2,161 per year for a typical home, roughly $1,906 for a $300,000 home, about $2,682 for a $600,000 home, and around $3,489 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $2,429 |
| $200,000 – $300,000 | $2,715 |
| $300,000 – $400,000 | $3,333 |
| $400,000 – $500,000 | $3,773 |
| $500,000 – $600,000 | $4,200 |
| $600,000 – $700,000 | $4,534 |
| $700,000 – $800,000 | $4,811 |
| $800,000 – $900,000 | $5,174 |
| $900,000 – $1,000,000 | $5,537 |
Band premiums are midpoints on the Williamsburg dwelling curve (typical local home value about $400,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Williamsburg, CO, using a typical local home value of about $400,000. Freedom figures apply an approximate 39% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
What drives home insurance premiums in Williamsburg
A Williamsburg home insurance price comes from a handful of interlocking factors underwriters weigh together. Count on rebuild cost, roof age and material, and local storm or wildfire exposure to drive most of the price. Deductible choice and claims history may move the final price about as much as the carrier brand.
Putting the house back with similar materials at current labor and material costs defines what replacement cost measures. Because the carrier’s largest possible payout grows with the rebuild estimate, larger figures for Williamsburg houses generally raise premiums.
Construction type and roof details play a role too: frame versus masonry walls, roof covering, and overall build quality all affect how a property fares in wind, hail, and fire scenarios that are common across Colorado.
Location risk explains why neighbors can pay different amounts: insurers grade storm, hail, wildfire, and crime exposure down to ZIP code and neighborhood within Williamsburg.
A solid fire protection rating based on close hydrants, a nearby station, and a good protection class tends to make a quote more competitive.
Insurers look at claims history closely; fresh claims tied to the home or the people in it tend to push Williamsburg renewals and new quotes higher.
If state law permits, companies can use a credit-based insurance score, and a better score tends to bring a lower premium.
Williamsburg, CO: local context
Williamsburg is a small community of about 656 residents in Colorado.
Williamsburg does not have big-city tourism headlines, so the insurance story is about local construction, fire protection access, and regional storm patterns.
Homes are mostly single-family houses like those across Colorado; rebuild cost, roof age, and construction still explain most premium differences from street to street.
Front Range communities deal with hail, wind, and wildfire risk that can move premiums quickly after active storm seasons.
Ways to cut the premium in Williamsburg, CO
| Discount | What it means | Typical amount |
|---|---|---|
| New Home | New construction recently purchased | up to 40% |
| Age of home (5 yrs) | Newer homes | up to 26% |
| Bundle | Home and auto together | up to 25% |
| Upgrades | Electrical, plumbing, heating, roof updates | up to 20% |
| Hail-resistant roof | Class 1–4 impact roof | up to 12% |
| Claims-free | Multi-year claims-free history | up to 5% |
| Security / alarms | Monitored fire or burglar alarm | up to 4% |
| Paid in full | Pay annual premium upfront | up to 7% |
Every insurer sets which discounts it offers and how large they are. Treat “up to” as the ceiling, not a promise.
Home insurance coverage basics
- Coverage A, dwelling: This is the limit that pays to rebuild the house itself after a covered loss, and it should track what rebuilding costs locally right now.
- Other structures (B): Protection for structures not attached to the home, for example a fence, shed, or detached garage.
- Personal property (C): Covers the contents of the home: furniture, clothing, and everyday items. Valuables like jewelry often carry sublimits.
- Loss of use (Coverage D): Temporary housing and related costs until repairs are done after a covered claim makes it unlivable.
- Personal liability (Coverage E): It responds when you are legally responsible for bodily injury or property damage to others arising from a covered incident.
- Medical payments (F): Medical costs for a guest hurt at your home, frequently covered without any formal claim.
Williamsburg, CO home & auto bundle savings
Illustrative average bundling savings, not a quote. Actual savings vary with carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Williamsburg, Colorado | $258 | $436 | $636 |
Housing and weather facts for Williamsburg
Williamsburg’s median year built is 1991. Roughly 34% of homes were built before 1980, which means wiring, plumbing, and roof updates often come up in underwriting.
On tornadoes, NOAA logged 1 tornado starting within 10 miles of Williamsburg in 2016–2025, the most intense an EFU during June 2016.
From 2000 on, Fremont County has appeared in 5 major disaster declarations; the most recent was Covid-19 Pandemic (March 2020).
The National Risk Index from FEMA shows elevated ratings for hail (“Relatively Moderate”), wildfire (“Relatively Moderate”), and winter-weather (“Relatively Moderate”) in Fremont County.
Census survey estimates (ACS 2020–2024) show about 324 housing units in Williamsburg, and homeowners occupy roughly 85% of the occupied homes. Of all units, 50% are detached single-family houses and 50% are mobile homes.
Occupied homes in Williamsburg are heated mostly with utility gas (67%), propane or other bottled gas (15%), and electricity (13%). Propane tanks and wood stoves should be disclosed when you apply, since they can affect eligibility.
The NOAA Storm Events Database logged 4 hail reports within about 5 miles of Williamsburg from 2016 through 2025 (4 at one inch or more). Top size measured 1.75 inches in July 2020 near Florence.
Williamsburg’s population went from 714 at the 2000 Census to 662 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 782. The population has stayed fairly steady since 2000.
Going further back, the Storm Prediction Center lists 20 hail reports within 5 miles of Williamsburg between 1955 and 2015; the biggest stones, 2 inches, fell on June 16, 1965. Reports of 2-inch or bigger hail number 1 in that span. Federal tornado records from NOAA’s Storm Prediction Center list 7 tornadoes that began within 10 miles of Williamsburg from 1950 through 2015; the strongest was an F1 on July 19, 1985.
Looking at neighboring communities? Nearby home insurance pages: Rockvale (1 mi), Coal Creek (2 mi), and Brookside (2 mi).
Williamsburg-area ZIP codes we insure
81244 · 81221 · 81226 · 81290
Other Colorado insurance guides
Quote homeowners coverage for Williamsburg, CO
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