Independent agents comparing homeowners quotes from 25+ carriers for Burlington residents.
Home insurance prices in Burlington
The typical homeowners insurance premium in Burlington, CO is about $2,597 annually for a typical local home (typical local home value about $230,000). 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 36% lower — near $1,662 per year for a typical home, roughly $1,954 for a $300,000 home, about $2,749 for a $600,000 home, and around $3,578 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 Burlington dwelling curve (typical local home value about $230,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Burlington, CO, using a typical local home value of about $230,000. 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.
What makes Burlington, CO stand out
Burlington counts roughly 3,720 residents and lies within Kit Carson County.
Burlington sits in the Kit Carson County area, and there everyday insurance shopping is shaped more by home characteristics and carrier appetite than by any single landmark.
The housing stock is a mix of single-family homes typical of the Kit Carson County area, and replacement cost, roof age, and construction type still account for most premium differences from street to street.
Eastern Plains properties are exposed to hail, tornadoes, and high winds typical of the High Plains.
Home insurance coverage basics
After a covered loss, this limit rebuilds the structure; make sure it tracks today’s local rebuild costs.
It covers detached features such as a garage, shed, fence, or similar buildings that sit apart from the main house.
Your furniture, clothes, and everyday belongings inside the house are protected, though some higher-value categories carry special sublimits.
This helps with additional living expenses when a covered claim makes the home unlivable for a while during repairs.
It responds when you are legally responsible for harm to other people or their property caused by a covered incident.
If a visitor is injured at your home, this can pay medical bills, frequently with no formal liability claim.
Homeowners discounts in Burlington, 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% |
Discounts and their size vary by carrier. Treat “up to” as the ceiling, not a promise.
What drives home insurance prices in Burlington
A handful of connected factors shape a Burlington home premium, and underwriters weigh them as a set while pricing. The biggest movers are usually rebuild cost, the roof’s age and material, and exposure to storms or wildfire; 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 defines what replacement cost measures. Because the carrier’s top payout climbs with the rebuild estimate, higher estimates for Burlington properties usually lift premiums.
Construction type and roof details also move the price: underwriters check whether walls are frame or masonry, the roofing material, and how solidly the home is built, because these factors shape how it handles wind, hail, and fire events common across Colorado.
Homes in Burlington with similar rebuild costs can still price differently because of location risk: storm, hail, wildfire, and crime scores that change by ZIP code and neighborhood.
Insurers rate fire protection by protection class and how far away hydrants and stations are; better protection tends to mean lower pricing.
Claims history carries real weight: in Burlington, claims in the last few years can raise the premium on both renewals and fresh quotes.
Credit-based insurance score also plays a role where rules allow: carriers that use it generally offer lower premiums to applicants with better scores.
Home-and-auto bundles in Burlington, CO
The figures below show average bundling savings, not a promise. Actual savings depend on the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Burlington, Colorado | $258 | $436 | $636 |
Burlington housing stock and storm history
On tornadoes, NOAA recorded 6 tornadoes touching down within 10 miles of Burlington between 2016 and 2025, the most intense an EFU in June 2019.
NOAA storm records show 22 hail reports within about 5 miles of Burlington from 2016 through 2025, 14 of them one inch or larger. The biggest measured 2.75 inches in August 2019 near Burlington.
From 2000 on, Kit Carson County has been part of 3 major disaster declarations; the most recent was Severe Storms, Flooding, and Tornadoes (August 2023).
The median home in Burlington was built in 1972. About 70% of homes were built before 1980, which means wiring, plumbing, and roof updates are worth documenting for a quote.
The Census Bureau’s 2020–2024 American Community Survey counts about 1,542 housing units in Burlington, and owners occupy close to 73% of the occupied homes. Looking at building types, 71% are detached single-family houses, 10% are in buildings with two or more units, and 13% are mobile homes.
The National Risk Index from FEMA shows elevated ratings for hail (“Relatively Moderate”), winter-weather (“Relatively Moderate”), and strong-wind (“Relatively Moderate”) in Kit Carson County.
Occupied homes in Burlington are heated mostly with utility gas (81%) and electricity (17%).
Burlington’s recorded beginnings date to 1887. Census counts put Burlington at 3,678 residents in 2000 and 4,254 in 2010, and the Census Bureau’s July 2024 estimate is 3,171. The town has about 14% fewer people than in 2000.
Older NOAA hail logs add more history: SPC data show 85 hail reports within 5 miles of Burlington between 1955 and 2015, the largest 4.25 inches on June 2, 2008. Reports of 2-inch or bigger hail number 12 in that span. The NOAA Storm Prediction Center database shows 21 tornadoes that began within 10 miles of Burlington from 1950 through 2015, the strongest an F2 on April 22, 1957.
Shopping around the area? See our home insurance pages for Bethune (8 mi) and Stratton (18 mi).
ZIP codes we cover in and around Burlington
80807
See more Colorado coverage options
Burlington, CO home insurance quotes
Freedom Insurance Group compares 25+ carriers for Burlington residents. Request a free home quote online or call (800) 253-1482.
