Freedom Insurance Group works with Brookside, CO by providing side-by-side homeowners quotes from 25+ companies.
Brookside, CO: the local picture
Brookside is a smaller place with roughly 246 residents within Colorado.
Brookside lacks big-city tourism headlines, so what matters for insurance is local construction, fire protection access, and regional storm patterns.
Housing here is largely single-family homes typical of Colorado, but replacement cost, roof age, and construction type still drive most premium differences from one house to the next.
Front Range communities contend with hail, wind, and wildfire risk that can move premiums quickly after active storm seasons.
Home insurance prices in Brookside, CO
The typical homeowners insurance premium in Brookside, 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 Brookside dwelling curve (typical local home value about $400,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Brookside, 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.
How a homeowners policy is built
- Dwelling (Coverage A): Following a covered loss, this coverage covers rebuilding the house itself; set it to match today’s local rebuild costs.
- Other structures (Coverage B): It covers detached features such as a garage, shed, fence, or similar buildings that are not attached to the main house.
- Personal property (Coverage C): This coverage protects furniture, clothing, and everyday belongings inside the home, with special limits that may apply to higher-value categories.
- Loss of use (Coverage D): Added costs of living elsewhere until repairs are done after a covered claim forces you out.
- Personal liability (E): Coverage for times when you are legally on the hook for injuries to others or damage to their property arising from a covered event.
- Medical payments (F): This helps with guest medical bills for injuries that happen on your property, often without requiring a formal liability claim.
Homeowners discounts in Brookside, 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% |
Each company chooses its own discounts and amounts. Read “up to” as the top end, not a promise.
What shapes home insurance prices in Brookside
Brookside homeowners are priced on several connected 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 change the final premium as much as the carrier brand itself.
Putting the house back with similar materials at today’s labor and supply prices is what replacement cost measures. The carrier’s exposure tracks the rebuild estimate, which is why bigger estimates on Brookside homes tend to mean higher premiums.
Whether walls are frame or masonry, the roofing material, and general construction quality all shape how a house performs in Colorado’s wind, hail, and fire events, which is why construction type and roof details count.
Location risk is the reason similar homes can price differently: carriers score storm, hail, wildfire, and crime exposure by ZIP code and neighborhood within Brookside.
Insurers rate fire protection using the local protection class plus how far away hydrants and stations are; better protection tends to mean lower pricing.
Claims history still matters a lot: in Brookside, claims in the last few years tend to increase pricing for renewals and new business alike.
Some carriers weigh a credit-based insurance score where the state allows; higher scores generally bring lower prices.
Home-and-auto bundles in Brookside, CO
Illustrative average bundling savings, not guaranteed. Actual savings depend on the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Brookside, Colorado | $258 | $436 | $636 |
Brookside housing stock and storm history
The NOAA Storm Events Database logged 11 hail reports within about 5 miles of Brookside from 2016 through 2025 (11 at one inch or more). The biggest was 2 inches in June 2023 near Cañon City.
For heat, Brookside households mostly rely on utility gas (80%), electricity (12%), and propane or other bottled gas (4.3%). Propane tanks and wood stoves are worth mentioning on an application, because carriers treat them differently.
From 2000 on, Fremont County has been part of 5 major disaster declarations; the most recent was Covid-19 Pandemic (March 2020).
Half of Brookside’s homes were built in or before 1973. Roughly 68% of homes were built before 1980, which means system and roof updates are worth documenting for a quote.
The National Risk Index from FEMA shows elevated ratings for hail (“Relatively Moderate”), wildfire (“Relatively Moderate”), and winter-weather (“Relatively Moderate”) in Fremont County.
Tornadoes are part of the picture too: NOAA recorded 1 tornado starting within 10 miles of Brookside in 2016–2025, the strongest rated EFU during June 2016.
ACS 2020–2024 estimates put about 126 housing units in Brookside, and owner-occupants live in about 76% of the occupied homes. Of all units, 93% are detached single-family houses and 7.1% are mobile homes.
The Census Bureau counted 219 people in Brookside at the 2000 Census and 233 at the 2010 Census; its July 2024 estimate is 241. The population has stayed fairly steady since 2000.
Older NOAA hail logs add more history: SPC data show 18 hail reports within 5 miles of Brookside between 1955 and 2015, the largest 2 inches on June 16, 1965. Reports of 2-inch or bigger hail number 1 in that span. The NOAA Storm Prediction Center database shows 6 tornadoes that began within 10 miles of Brookside from 1950 through 2015; the most powerful, rated F1, touched down on July 22, 1985.
Looking at neighboring communities? We also have home insurance pages for Lincoln Park (1 mi), Williamsburg (2 mi), and City (3 mi).
ZIP codes we cover near Brookside
81212 · 81244 · 81226 · 81290 · 81221
