Homeowners quotes from 25+ companies, side by side, for Eckley, CO, from Freedom Insurance Group.
Eckley, CO: what is distinctive here
Eckley is a small community of roughly 251 residents in Yuma County.
Eckley is not known for big-city tourism headlines, and the insurance story is about local construction, fire protection access, and regional storm patterns.
Most homes are single-family houses typical of the Yuma County area; replacement cost, roof age, and construction type still drive most premium differences from street to street.
On the eastern plains, hail, tornadoes, straight-line wind, and grassland fire are the local risks that move a home quote. Roof age and the wind or hail deductible move the price.
Home insurance pricing in Eckley, CO
The typical homeowners insurance premium in Eckley, 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 42% lower — near $2,054 per year for a typical home, roughly $1,812 for a $300,000 home, about $2,550 for a $600,000 home, and around $3,318 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 Eckley dwelling curve (typical local home value about $400,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Eckley, CO, using a typical local home value of about $400,000. Freedom figures apply an approximate 42% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
What a standard home policy includes
- Dwelling (A): Money to rebuild the structure after a covered loss. Set it to follow local rebuilding prices.
- Other structures (Coverage B): This handles buildings set apart from the house, like a garage, shed, or fence.
- Personal property (C): Covers the contents of the home: furniture, clothing, and everyday items. Higher-value categories may have special limits.
- Coverage D, loss of use: It can help pay additional living expenses when a covered claim makes the home unlivable for a while during repairs.
- Personal liability (Coverage E): It pays when the law holds you responsible for another person’s injury or property damage from a covered incident.
- Coverage F, medical payments: It can help pay guest medical bills for injuries that happen on your property, often without needing a formal liability claim.
Common discounts for Eckley, 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% |
Each carrier sets its own discount menu and sizes. Treat “up to” as the maximum, not a guarantee.
Home insurance price factors in Eckley
Carriers build a Eckley home quote from several overlapping factors reviewed together. Deductible choice and past claims can change the final price as much as the choice of carrier, but rebuild cost, the roof’s age and material, and local storm or wildfire risk tend to dominate.
Putting the house back with similar materials at current labor and material costs sets what replacement cost measures. In Eckley, a larger rebuild estimate, premiums generally go up, since the carrier could owe more.
Construction type and roof details matter as well: insurers ask whether walls are frame or masonry, the roofing material, and how solidly the home is built, because those details decide how it handles the wind, hail, and fire seen across Colorado.
Homes in Eckley with close rebuild estimates may still get different quotes because of location risk: scores for storms, hail, wildfire, and crime that vary by ZIP code and neighborhood.
Fire protection weighs how far the home sits from hydrants and stations along with local protection class, and better protection ratings can support lower premiums.
Claims history still matters a lot: for Eckley homes, recent household or property claims often means higher rates at renewal and on new quotes.
Credit-based insurance score, where state rules allow it, is another input; stronger scores usually correlate with lower prices when the carrier uses it.
Home-and-auto bundles in Eckley, CO
These illustrate average bundle savings, not a promise. Actual savings vary with the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Eckley, Colorado | $258 | $436 | $636 |
Eckley housing stock and storm history
In FEMA’s National Risk Index, Yuma County rates above the low end for hail (“Relatively Moderate”), winter-weather (“Relatively Moderate”), and strong-wind (“Relatively Moderate”).
Since 2000, Yuma County has appeared in 4 major disaster declarations; the most recent was Covid-19 Pandemic (March 2020).
On tornadoes, NOAA lists 3 tornadoes starting within 10 miles of Eckley between 2016 and 2025, the most intense an EF0 during May 2016.
Half of Eckley’s homes were built in or before 1938. Roughly 80% of homes were built before 1980, so wiring, plumbing, and roof updates often come up in underwriting.
Occupied homes in Eckley are heated mostly with utility gas (80%) and propane or other bottled gas (16%). Propane tanks and wood stoves should be disclosed when you apply, since some carriers price or inspect them.
NOAA’s Storm Events Database lists 9 hail reports within about 5 miles of Eckley from 2016 through 2025; 7 were one inch or bigger. The largest was 2.5 inches in May 2024 near Eckley.
ACS 2020–2024 estimates put about 150 housing units in Eckley, and homeowners occupy close to 75% of the occupied homes. Looking at building types, 74% are detached single-family houses and 19% are mobile homes.
It takes its name from Adam Eckles. The Census Bureau counted 278 people in Eckley at the 2000 Census and 257 at the 2010 Census; its July 2024 estimate is 236. The town has about 15% fewer people than in 2000.
Going further back, NOAA’s Storm Prediction Center counts 27 hail reports within 5 miles of Eckley between 1955 and 2015, the largest 2.75 inches on May 27, 1985. Reports of 2-inch or bigger hail number 2 in that span. NOAA Storm Prediction Center records list 11 tornadoes that began within 10 miles of Eckley from 1950 through 2015; the most powerful, rated F2, touched down on July 31, 1985.
Looking at neighboring communities? We also have home insurance pages for Yuma (12 mi), Wray (14 mi), and Otis (25 mi).
ZIP codes we serve in and around Eckley
80727
