Iliff households can compare homeowners coverage with less legwork through Freedom Insurance Group. Ask for a quote online or call (800) 253-1482.
Homeowners insurance rates in Iliff, CO
| Scenario | Market estimate | FIG illustrated (40% less) |
|---|---|---|
| Typical Iliff home (~$400,000) | $3,542/yr | $2,125/yr |
| $300,000 dwelling | $3,124/yr | $1,874/yr |
| $600,000 dwelling | $4,396/yr | $2,638/yr |
| $1,000,000 dwelling | $5,720/yr | $3,432/yr |
The typical homeowners insurance premium in Iliff, 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 40% lower — near $2,125 per year for a typical home, roughly $1,874 for a $300,000 home, about $2,638 for a $600,000 home, and around $3,432 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 Iliff dwelling curve (typical local home value about $400,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Iliff, CO, using a typical local home value of about $400,000. Freedom figures apply an approximate 40% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
Why Iliff home insurance prices vary
Iliff homeowners are priced on several related factors that underwriters check when they build a quote. Rebuild cost, roof age and material, and local storm or wildfire exposure have the biggest effect, while deductible choice and claims history can shift the final premium as much as the carrier brand itself.
Replacement cost is what it would take to rebuild the home with like-kind materials at today’s labor and material prices. When a Iliff home has a higher rebuild estimate, the premium usually rises, because the insurer’s exposure grows.
Construction type and roof details round out the list: insurers ask frame versus masonry construction, the roofing material, and the overall build quality, because those details decide performance in wind, hail, and fire events common across Colorado.
Two Iliff homes with close rebuild estimates can still price differently due to location risk: storm, hail, wildfire, and crime scores that change by ZIP code and neighborhood.
A better fire protection score based on close hydrants, a nearby station, and a good protection class tends to make pricing more competitive.
Claims history remains a major rating input: recent claims on the property or household tend to raise rates for Iliff renewals and new business quotes too.
Credit-based insurance score, where permitted by state rules, is another lever; higher scores typically bring lower premiums when the carrier uses it.
About Iliff, CO
Iliff is a smaller place with roughly 259 residents in Logan County.
Iliff lacks big-city tourism headlines, and for insurance the focus is local construction, fire protection access, and regional storm patterns.
Homes are mostly single-family properties typical of the Logan County area; replacement cost, roof age, and construction type still explain most premium differences block by block.
Hail, wind, and wildfire risk can push premiums quickly in Front Range communities after busy storm years.
Discounts for Iliff, CO homeowners
| 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% |
Which discounts apply and how much they are worth depend on the carrier. “Up to” is the high end, not a guaranteed amount.
Homeowners coverage basics
- Coverage A, dwelling: This is the limit that pays to rebuild the structure of your home after a covered loss, and it should keep pace with what rebuilding costs locally right now.
- Other structures (Coverage B): Protection for structures not attached to the home, like a shed, fence, or garage.
- Personal property (Coverage C): Covers the contents of the home: furniture, clothing, and everyday items. Pricier categories may have special limits.
- Loss of use (Coverage D): While a covered loss keeps you out of the home, this helps pay additional living expenses.
- Personal liability (E): This applies when you are legally responsible for harm to other people or their property arising from a covered incident.
- Coverage F, medical payments: Visitors’ medical expenses after an injury on your property, usually handled without a formal liability claim.
Bundling home and auto in Iliff, CO
The figures below are illustrated averages for bundling, not a guaranteed quote. Actual savings depend on the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Iliff, Colorado | $258 | $436 | $636 |
Local housing and storm data: Iliff
From 2000 on, Logan County has appeared in 5 major disaster declarations; the latest is Severe Storms, Flooding, and Tornadoes (August 2023).
For heat, Iliff households mostly rely on utility gas (69%), propane or other bottled gas (22%), and electricity (8.9%). Wood stoves and propane tanks should be disclosed when you apply, since some carriers price or inspect them.
NOAA storm records show 17 hail reports within about 5 miles of Iliff from 2016 through 2025, 16 of them one inch or larger. Top size was 4 inches in June 2023 around Iliff.
ACS 2020–2024 estimates put about 169 housing units in Iliff, and owners occupy roughly 79% of the occupied homes. Of all units, 49% are detached single-family houses and 47% are mobile homes.
In FEMA’s National Risk Index, Logan County rates above the low end for hail (“Relatively High”), tornado (“Relatively Moderate”), winter-weather (“Relatively Moderate”), and strong-wind (“Relatively High”).
Half of Iliff’s homes were built in or before 1975. About 57% of homes were built before 1980, which means wiring, plumbing, and roof updates are worth documenting for a quote.
Tornado history matters here as well: NOAA recorded 10 tornadoes starting within 10 miles of Iliff between 2016 and 2025, the most intense an EF2 during September 2019.
Census counts put Iliff at 213 residents in 2000 and 266 in 2010, and the Census Bureau’s July 2024 estimate is 240. The population has stayed fairly steady since 2000.
Earlier hail records help too: the Storm Prediction Center lists 22 hail reports within 5 miles of Iliff between 1955 and 2015, topped by hail of 2.5 inches on July 21, 1998. Reports of 2-inch or bigger hail number 3 in that span. NOAA Storm Prediction Center records list 22 tornadoes that began within 10 miles of Iliff from 1950 through 2015; the most powerful, rated F3, touched down on August 15, 1974.
Comparing homes in nearby towns? See our home insurance pages for Sterling (12 mi), Fleming (13 mi), and Peetz (14 mi).
ZIP codes we cover near Iliff
80736
More Colorado insurance resources
Iliff, CO home insurance quotes
For Iliff residents, Freedom Insurance Group shops 25+ carriers. Begin a home quote online or phone (800) 253-1482.
