Compare homeowners insurance quotes in Brush, CO with Freedom Insurance Group. We shop 25+ carriers and help you match coverage to the home or vehicles you actually own.
Average cost of home insurance in Brush, CO
| Home value tier | Market est. | Freedom Insurance Group example |
|---|---|---|
| Typical local home (~$265,300) | $2,776 | $1,638 |
| $300,000 dwelling | $3,053 | $1,801 |
| $600,000 dwelling | $4,296 | $2,535 |
| $1,000,000 dwelling | $5,590 | $3,298 |
The typical homeowners insurance premium in Brush, CO is about $2,776 annually for a typical local home (typical local home value about $265,300). For a $300,000 dwelling, expect around $3,053 per year; for a $600,000 home about $4,296; and for a $1,000,000 dwelling about $5,590. Freedom Insurance Group rates are often about 41% lower — near $1,638 per year for a typical home, roughly $1,801 for a $300,000 home, about $2,535 for a $600,000 home, and around $3,298 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $2,374 |
| $200,000 – $300,000 | $2,653 |
| $300,000 – $400,000 | $3,257 |
| $400,000 – $500,000 | $3,687 |
| $500,000 – $600,000 | $4,104 |
| $600,000 – $700,000 | $4,431 |
| $700,000 – $800,000 | $4,702 |
| $800,000 – $900,000 | $5,057 |
| $900,000 – $1,000,000 | $5,412 |
Band premiums are midpoints on the Brush dwelling curve (typical local home value about $265,300). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Brush, CO, using a typical local home value of about $265,300. Freedom figures apply an approximate 41% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
What makes Brush, CO stand out
Around 5,459 people live in Brush in Morgan County.
Brush is located in the Morgan County area, where routine insurance shopping is shaped more by home characteristics and carrier appetite than by any single landmark.
The housing stock is largely single-family homes typical of the Morgan County area, and replacement cost, roof age, and construction type still explain most premium differences from one house to the next.
Hail, wind, and wildfire risk can move premiums quickly in Front Range communities after active storm seasons.
Why Brush home insurance quotes differ
Brush homeowners are priced on several interlocking factors that underwriters weigh when they build a quote. Expect rebuild cost, the roof’s age and type, and local storm or wildfire exposure to matter most. The deductible you pick and your claims record may move the final price about as much as choosing one carrier over another.
Replacement cost is a straightforward idea: how much would it take to rebuild this home right now, using comparable materials, at today’s prices for labor and materials? Because the carrier’s top payout rises with the rebuild estimate, higher estimates for Brush houses generally raise premiums.
Frame or masonry walls, the roofing material, and overall build quality each affect how a house performs in Colorado’s wind, hail, and fire events, so construction type and roof details carry weight.
Location risk rolls up storm, hail, wildfire, and crime scores that can differ by ZIP code and neighborhood within Brush, so two homes with similar rebuild costs may still price differently.
Insurers rate fire protection by the local protection class plus the distance to hydrants and stations; a stronger profile often brings a more competitive price.
Claims history remains a major rating input: recent claims on the property or household often increase rates for Brush renewals and new business quotes as well.
Credit-based insurance score is a lever too where it is permitted: insurers relying on it tend to price lower to applicants with better scores.
Home insurance discounts in Brush, 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% |
Discount availability and amounts depend on the carrier. “Up to” shows the maximum, not a guaranteed amount.
Home insurance coverage basics
- Dwelling (A): This limit pays to rebuild the house itself after a covered loss, and it should keep pace with what rebuilding costs locally right now.
- Coverage B, other structures: This handles structures not attached to the home, like a fence, shed, or detached garage.
- Coverage C, personal property: Furniture, clothing, and the other things you own indoors are protected, though some higher-value categories carry special sublimits.
- Loss of use (D): Extra living expenses while the home is being repaired after a covered claim makes it unlivable.
- Coverage E, personal liability: This applies when you are legally responsible for harm to other people or their property resulting from a covered incident.
- Medical payments (Coverage F): If a visitor is injured at your home, it helps with their medical bills, frequently with no formal liability claim.
Brush, CO home and auto bundling
These show average bundling savings, not a guaranteed quote. Actual savings vary with carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Brush, Colorado | $258 | $436 | $636 |
Housing and weather facts for Brush
In FEMA’s National Risk Index, Morgan County rates above the low end for hail (“Relatively Moderate”), tornado (“Relatively Moderate”), winter-weather (“Relatively Moderate”), and strong-wind (“Relatively Moderate”).
Tornadoes are part of the picture too: NOAA logged 17 tornadoes touching down within 10 miles of Brush over 2016–2025, the strongest rated EF2 in July 2018.
The median home in Brush was built in 1972. Roughly 71% of homes were built before 1980, so system and roof updates often come up in underwriting.
From 2000 on, Morgan County has appeared in 4 major disaster declarations; the latest was Covid-19 Pandemic (March 2020).
For heat, Brush households mostly rely on utility gas (63%) and electricity (37%).
The NOAA Storm Events Database logged 16 hail reports within about 5 miles of Brush from 2016 through 2025 (15 at one inch or more). Top size was 3 inches in June 2023 near Brush.
ACS 2020–2024 estimates put about 2,311 housing units in Brush, and owners occupy roughly 60% of the occupied homes. Of all units, 64% are detached single-family houses, 29% are in buildings with two or more units, and 6.7% are mobile homes.
The Census Bureau counted 5,117 people in Brush at the 2000 Census and 5,463 at the 2010 Census; its July 2024 estimate is 5,370. The population has stayed fairly steady since 2000.
Going further back, the Storm Prediction Center lists 51 hail reports within 5 miles of Brush between 1955 and 2015, topped by hail of 4.5 inches on June 30, 1989. Reports of 2-inch or bigger hail number 7 in that span. The NOAA Storm Prediction Center database shows 25 tornadoes that began within 10 miles of Brush from 1950 through 2015, the strongest an F2 on July 8, 1955.
Looking at neighboring communities? We also have home insurance pages for Hillrose (8 mi), Fort Morgan (8 mi), and Log Lane Village (10 mi).
ZIP codes we insure in and around Brush
80723
Other Colorado insurance pages
Brush, CO home insurance quotes
Freedom Insurance Group compares 25+ carriers for Brush residents. Begin a home quote online or phone (800) 253-1482.
