For Cedaredge residents: independent agents comparing homeowners quotes from 25+ carriers.
What home insurance costs in Cedaredge
The typical homeowners insurance premium in Cedaredge, 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 35% lower — near $2,302 per year for a typical home, roughly $2,031 for a $300,000 home, about $2,857 for a $600,000 home, and around $3,718 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 Cedaredge dwelling curve (typical local home value about $400,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Cedaredge, CO, using a typical local home value of about $400,000. Freedom figures apply an approximate 35% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
What makes Cedaredge, CO unique
Cedaredge has around 2,183 residents, located in Delta County.
In a smaller Colorado community such as Cedaredge, what matters for insurance is local construction, fire protection access, and regional storm patterns.
Housing here is a mix of single-family homes typical of the Delta 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.
How a homeowners policy is built
Following a covered loss, this coverage covers rebuilding the house itself; make sure it tracks today’s local rebuild costs.
A detached garage, a shed, a fence, or similar buildings that stand apart from the house fall here.
Your furniture, clothes, and everyday belongings in the home fall under this coverage, but special limits can cap higher-value categories.
This helps with additional living expenses when a covered claim makes the home unlivable for a while during repairs.
When you are found legally liable for injuring another person or damaging their things from a covered event, this part responds.
When a guest gets hurt on your property, it helps with their medical bills, usually without a liability claim being filed.
Ways to cut the premium in Cedaredge, 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% |
Which discounts apply and how much they are worth differ from carrier to carrier. “Up to” marks the top of the range, not a guaranteed amount.
What drives home insurance premiums in Cedaredge
Cedaredge homeowners are priced on several related factors that underwriters weigh when they build a quote. The heaviest factors are typically rebuild cost, the roof’s age and material, and exposure to storms or wildfire; your deductible and claims record can change the final premium as much as which carrier you pick.
Replacement cost is what it would take to rebuild the home with similar materials at today’s labor and supply prices. The carrier’s exposure moves with the rebuild estimate, which is why bigger estimates on Cedaredge homes generally mean bigger premiums.
Construction type and roof details round out the list: carriers want to know whether walls are frame or masonry, what covers the roof, and the overall build quality, because these factors affect how it fares in the wind, hail, and fire seen across Colorado.
Homes in Cedaredge with similar rebuild costs may still get different quotes due to location risk: scores for storms, hail, wildfire, and crime that vary by ZIP code and neighborhood.
A solid fire protection rating that reflects close hydrants, a nearby station, and a good protection class often makes pricing more competitive.
Underwriters review claims history on every quote; a recent loss on the property or household often push Cedaredge renewals and new quotes higher.
Many insurers look at a credit-based insurance score when state rules permit; the stronger the score, the lower the premium tends to be.
Bundling home and auto in Cedaredge, CO
Illustrative average bundling savings, not guaranteed. Actual savings depend on the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Cedaredge, Colorado | $258 | $436 | $636 |
Cedaredge housing stock and storm history
Home heating in Cedaredge runs mainly on utility gas (76%), electricity (15%), and propane or other bottled gas (4.7%). Wood stoves and propane tanks are worth mentioning on an application, because carriers treat them differently.
The Census Bureau’s 2020–2024 American Community Survey counts about 1,304 housing units in Cedaredge, and homeowners occupy about 73% of the occupied homes. Of all units, 71% are detached single-family houses, 8.1% are in buildings with two or more units, and 16% are mobile homes.
Since 2000, Delta County has appeared in 2 major disaster declarations; the latest is Covid-19 Pandemic (March 2020).
Half of Cedaredge’s homes were built in or before 1980. Roughly 49% of homes predate 1980, which means system and roof updates often come up in underwriting.
The Census Bureau counted 1,854 people in Cedaredge at the 2000 Census and 2,253 at the 2010 Census; its July 2024 estimate is 2,432. Growth since 2000 comes to roughly 31%.
Older NOAA hail logs add more history: the Storm Prediction Center lists 1 hail report within 5 miles of Cedaredge between 1955 and 2015: hail of 0.75 inches on June 19, 2000.
Shopping around the area? Nearby home insurance pages: Orchard (6 mi), Delta (13 mi), and Hotchkiss (13 mi).
ZIP codes we cover near Cedaredge
81413 · 81418
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Quote homeowners coverage for Cedaredge, CO
In Cedaredge, Freedom Insurance Group compares 25+ carriers. Phone (800) 253-1482 or start a free home quote online.
