Comparing homeowners coverage in Ault should not take all week; Freedom Insurance Group does the comparing. Phone (800) 253-1482 or ask for a quote online.
Home insurance rates in Ault, CO
| Scenario | Market estimate | Freedom Insurance Group example (37% less) |
|---|---|---|
| Typical Ault home (~$400,000) | $3,542/yr | $2,231/yr |
| $300,000 dwelling | $3,124/yr | $1,968/yr |
| $600,000 dwelling | $4,396/yr | $2,769/yr |
| $1,000,000 dwelling | $5,720/yr | $3,604/yr |
The typical homeowners insurance premium in Ault, 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 37% lower — near $2,231 per year for a typical home, roughly $1,968 for a $300,000 home, about $2,769 for a $600,000 home, and around $3,604 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 Ault dwelling curve (typical local home value about $400,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Ault, CO, using a typical local home value of about $400,000. Freedom figures apply an approximate 37% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
What affects home insurance costs in Ault
Ault homeowners are priced on several related factors that underwriters review when they build a quote. Rebuild cost, roof age and material, and local storm or wildfire exposure usually move the price the most, while deductible choice and claims history can swing the final premium as much as the carrier brand itself.
Think of replacement cost as what rebuilding would cost your home in like-kind materials at current labor and supply costs. A bigger rebuild figure on an Ault home, premiums generally go up, as the carrier’s maximum payout grows.
Construction type and roof details also matter: frame versus masonry walls, roofing material, and overall build quality shape how a property performs in wind, hail, and fire scenarios common across Colorado.
Location risk is the reason similar homes can price differently: insurers grade storm, hail, wildfire, and crime exposure by ZIP code and neighborhood across Ault.
Fire protection weighs how far the home sits from hydrants and stations together with the local protection class, and stronger protection profiles can support sharper pricing.
Claims history remains a major rating input: recent claims on the property or household frequently raise rates for Ault renewals and new business quotes too.
Credit-based insurance score, where state rules allow it, is another input; stronger scores usually correlate with lower prices when the carrier uses that factor.
What makes Ault, CO stand out
Ault counts roughly 1,622 residents and sits in Weld County.
In a smaller Colorado community such as Ault, what matters for insurance is local construction, fire protection access, and regional storm patterns.
Homes are mostly single-family properties typical of the Weld County area; replacement cost, roof age, and construction type still drive most premium differences from street to street.
Front Range communities face hail, wind, and wildfire risk that can move premiums quickly after active storm seasons.
Common discounts for Ault, 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% |
Carriers do not all offer the same discounts, and amounts differ too. Treat “up to” as the top end, not a promise.
How a homeowners policy is built
- Dwelling (Coverage A): Following a covered loss, this coverage pays to rebuild your home’s structure; make sure it tracks today’s local rebuild costs.
- Other structures (B): Detached garages, sheds, fences, and similar buildings that stand apart from the house fall here.
- Personal property (Coverage C): This coverage protects furniture, clothing, and everyday belongings inside the home, with special limits that can apply to higher-value categories.
- Loss of use (Coverage D): Extra living expenses while the home is being repaired after a covered claim makes it unlivable.
- Coverage E, personal liability: Protection when you are legally on the hook for injuries to others or damage to their property from a covered incident.
- Medical payments (Coverage F): This coverage can help with guest medical bills for injuries that happen on your property, often without requiring a formal liability claim.
Ault, CO home & auto bundle savings
The figures below illustrate average bundle savings, not a guaranteed quote. Actual savings depend on the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Ault, Colorado | $258 | $436 | $636 |
What public data says about Ault homes
Tornadoes are part of the picture too: NOAA lists 5 tornadoes starting within 10 miles of Ault in 2016–2025, with the strongest at EF0 during April 2016.
Occupied homes in Ault are heated mostly with utility gas (78%), electricity (17%), and propane or other bottled gas (4.7%). Wood stoves and propane tanks should be disclosed when you apply, since carriers treat them differently.
From 2000 on, Weld County has appeared in 5 major disaster declarations; the latest is Covid-19 Pandemic (March 2020).
The median home in Ault was built in 1989. Roughly 44% of homes predate 1980, so system and roof updates can change eligibility and price.
The National Risk Index from FEMA shows elevated ratings for hail (“Relatively High”), tornado (“Relatively High”), winter-weather (“Relatively High”), and strong-wind (“Relatively High”) in Weld County.
The Census Bureau’s 2020–2024 American Community Survey counts about 984 housing units in Ault, and homeowners occupy roughly 87% of the occupied homes. By structure type, 65% are detached single-family houses, 7.0% are in buildings with two or more units, and 14% are mobile homes.
The NOAA Storm Events Database logged 18 hail reports within about 5 miles of Ault from 2016 through 2025, 17 of them one inch or larger. Top size was 4.25 inches in June 2017 near Pierce.
The town is named for Alexander Ault. Census counts put Ault at 1,432 residents in 2000 and 1,519 in 2010, and the Census Bureau’s July 2024 estimate is 2,660. That is growth of roughly 86% since 2000.
Going further back, NOAA’s Storm Prediction Center counts 26 hail reports within 5 miles of Ault between 1955 and 2015, the largest 2.5 inches on July 16, 1994. Reports of 2-inch or bigger hail number 4 in that span. Federal tornado records from NOAA’s Storm Prediction Center list 34 tornadoes that began within 10 miles of Ault from 1950 through 2015, the strongest an F2 on July 10, 1955.
Shopping around the area? See our home insurance pages for Pierce (5 mi), Eaton (5 mi), and Severance (9 mi).
Ault-area ZIP codes we insure
80610 · 80615 · 80650
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Shop homeowners coverage in Ault, CO
Freedom Insurance Group compares 25+ carriers for Ault residents. Request a free home quote online or call (800) 253-1482.
