For Aguilar residents: independent agents comparing homeowners quotes from 25+ carriers.
What home insurance costs in Aguilar
The typical homeowners insurance premium in Aguilar, 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 36% lower — near $2,267 per year for a typical home, roughly $1,999 for a $300,000 home, about $2,813 for a $600,000 home, and around $3,661 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 Aguilar dwelling curve (typical local home value about $400,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Aguilar, CO, using a typical local home value of about $400,000. Freedom figures apply an approximate 36% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
A closer look at Aguilar, CO
Aguilar is a small community of roughly 476 residents in Las Animas County.
For a smaller Colorado place like Aguilar, the insurance picture centers on local construction, fire protection access, and regional storm patterns rather than tourism headlines.
The housing stock is largely single-family homes typical of the Las Animas County area, but replacement cost, roof age, and construction type still drive most premium differences block by block.
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 drive the price.
Homeowners coverage basics
It pays to rebuild the structure of your home after a covered loss, and it should track local rebuilding costs today.
It covers detached features such as a garage, shed, fence, or similar buildings that sit apart from the main house.
Furniture, clothing, and the other things you own in the home are protected, but some higher-value categories carry special sublimits.
This helps with additional living expenses when a covered claim makes the home temporarily unlivable during repairs.
If you are legally responsible for injuring another person or damaging their things in a covered incident, this part responds.
This helps with guest medical bills for injuries that occur on your property, often without requiring a formal liability claim.
Common discounts for Aguilar, 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 vary by carrier. Treat “up to” as the top end, not a promise.
How Aguilar home insurance premiums differ
Pricing for an Aguilar home is built from a handful of connected factors that carriers check together. Rebuild cost, roof age and material, and local storm or wildfire exposure have the biggest effect, while deductible choice and claims history can swing the final premium as much as the carrier brand itself.
Replacement cost answers one question: what would it cost to rebuild this home today, with similar materials, at current labor and supply prices? A bigger rebuild figure on an Aguilar home, the price tends to climb, since the carrier could owe more.
Construction type and roof details play a role too: frame versus masonry walls, the roof covering, and overall build quality all influence how a property holds up in wind, hail, and fire scenarios that are common across Colorado.
Storm, hail, wildfire, and crime scores drive location risk, and they vary by ZIP code and neighborhood in Aguilar, meaning homes with similar rebuild costs can still get different prices.
Underwriters rate fire protection using protection class plus how far away hydrants and stations are; good protection usually means lower pricing.
Carriers check claims history on every quote; a recent loss tied to the home or the people in it often push Aguilar renewals and new quotes higher.
Some carriers weigh a credit-based insurance score when state rules permit; higher scores generally bring lower prices.
Aguilar, CO home & auto bundle savings
Illustrated average bundle savings, not guaranteed. Actual savings depend on the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Aguilar, Colorado | $258 | $436 | $636 |
What public data says about Aguilar homes
Since 2000, Las Animas County has appeared in 2 major disaster declarations; the most recent is Covid-19 Pandemic (March 2020).
Half of Aguilar’s homes were built in or before 1971. About 92% of homes predate 1980, so wiring, plumbing, and roof updates can change eligibility and price.
Occupied homes in Aguilar are heated mostly with utility gas (82%), electricity (6.0%), and propane or other bottled gas (4.8%). Wood stoves and propane tanks should be disclosed when you apply, because carriers treat them differently.
ACS 2020–2024 estimates put about 320 housing units in Aguilar, and owner-occupants live in close to 73% of the occupied homes. Looking at building types, 75% are detached single-family houses and 20% are mobile homes.
In FEMA’s National Risk Index, Las Animas County rates above the low end for wildfire (“Relatively Moderate”) and winter-weather (“Relatively Moderate”).
NOAA storm records show 1 hail report within about 5 miles of Aguilar from 2016 through 2025, and it was at least one inch across. Top size was 1.25 inches in June 2023 around Aguilar.
Aguilar was founded in 1894 and incorporated on January 10, 1894. The Census Bureau counted 593 people in Aguilar at the 2000 Census and 538 at the 2010 Census; its July 2024 estimate is 447. The town has about 25% fewer people than in 2000.
Earlier hail records help too: SPC data show 11 hail reports within 5 miles of Aguilar between 1955 and 2015, the largest 2.75 inches on June 26, 2007. 1 of those reports were 2 inches or larger. NOAA Storm Prediction Center records list 5 tornadoes that began within 10 miles of Aguilar from 1950 through 2015; the strongest was an F1 on June 10, 1983.
Comparing homes in nearby towns? See our home insurance pages for Walsenburg (17 mi), Cokedale (18 mi), and Trinidad (18 mi).
ZIP codes we cover near Aguilar
81020
Keep exploring Colorado coverage guides
Aguilar, CO home insurance quotes
Aguilar residents get a comparison of 25+ carriers with Freedom Insurance Group. Next step: begin a home quote on our site or call (800) 253-1482.
