Comparing homeowners coverage in Cimarron Hills can be simple; Freedom Insurance Group does the comparing. Call (800) 253-1482 or ask for a quote online.
Home insurance premiums in Cimarron Hills, CO
| Scenario | Market estimate | FIG illustrated (39% less) |
|---|---|---|
| Typical Cimarron Hills home (~$333,300) | $3,263/yr | $1,990/yr |
| $300,000 dwelling | $3,124/yr | $1,906/yr |
| $600,000 dwelling | $4,396/yr | $2,682/yr |
| $1,000,000 dwelling | $5,720/yr | $3,489/yr |
The typical homeowners insurance premium in Cimarron Hills, CO is about $3,263 annually for a typical local home (typical local home value about $333,300). 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 39% lower — near $1,990 per year for a typical home, roughly $1,906 for a $300,000 home, about $2,682 for a $600,000 home, and around $3,489 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 Cimarron Hills dwelling curve (typical local home value about $333,300). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Cimarron Hills, CO, using a typical local home value of about $333,300. Freedom figures apply an approximate 39% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
Premium drivers for homeowners in Cimarron Hills
Carriers price a Cimarron Hills homeowners quote from several connected factors that work together. Look for rebuild cost, the roof’s age and type, and local storm or wildfire exposure to move the number most. Deductible choice and claims history can swing the final price as much as the carrier brand.
Replacement cost is the amount needed to rebuild the home with similar materials at today’s prices for labor and supplies. Higher rebuild estimates for Cimarron Hills properties tend to raise premiums since the carrier’s maximum payout grows with that figure.
Construction type and roof details count as well: frame versus masonry walls, roof covering, and overall build quality all affect how a property performs in the wind, hail, and fire events that are common across Colorado.
Location risk reflects storm, hail, wildfire, and crime scores that can vary by ZIP code and neighborhood within Cimarron Hills, so two homes with similar rebuild costs can still get different prices.
Fire protection plays in as well: hydrant access, a close fire station, and a good protection class rating can all help the price.
Claims history is a heavy factor: for Cimarron Hills homes, a recent claim on the home or household can raise the premium for renewals and new business alike.
If state law permits, carriers may use a credit-based insurance score, and a better score tends to bring lower premiums.
Cimarron Hills, CO: local context
Cimarron Hills has about 16,161 residents in Colorado.
Cimarron Hills is located in Colorado, where routine insurance shopping is driven more by home characteristics and carrier appetite than by any single landmark.
The housing stock is a mix of single-family homes typical of Colorado, and replacement cost, roof age, and construction type still drive most premium differences block by block.
Hail, wind, and wildfire risk can push premiums quickly in Front Range communities after busy storm years.
Common discounts for Cimarron Hills, 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% |
Discounts are not uniform across carriers, and amounts differ too. “Up to” shows the maximum, not a guarantee.
What a standard home policy includes
- Dwelling (A): After a covered loss, this limit pays to rebuild the house itself; keep it in line with current local reconstruction costs.
- Coverage B, other structures: Protection for anything detached from the main house, for example a shed, fence, or garage.
- Personal property (C): Protects what is inside the house: furniture, clothing, and everyday items. Pricier categories can be subject to special limits.
- Coverage D, loss of use: When repairs after a covered claim make the house unlivable, this helps pay the extra living costs.
- Coverage E, personal liability: Protection when you are legally on the hook for another person’s injury or property damage arising from a covered event.
- Coverage F, medical payments: This helps with guest medical bills for injuries that happen on your property, often without needing a formal liability claim.
Cimarron Hills, CO home and auto bundling
These are illustrated averages for bundling, not a guaranteed quote. Actual savings come down to the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Cimarron Hills, Colorado | $258 | $436 | $636 |
Areas of Cimarron Hills
- Elsmere
- Constitution Square
- Palmer Village
- Hannah Ridge
- Creekside at Palmer Park
- Heatherwood Village
- The Taylor at Greenway
- Bonita Village
- Heathercrest
- Crestview Acres
- Villa Loma
- Julie Heights
- Kenland Heights
- Rustic Hills
- Mandalay Villas
- Mule Deer Crossing
- Prarie Knoll
- Aspen Valley
Cimarron Hills homes by the numbers
Census survey estimates (ACS 2020–2024) show about 7,672 housing units in Cimarron Hills, and homeowners occupy close to 68% of the occupied homes. By structure type, 69% are detached single-family houses, 17% are in buildings with two or more units, and 6.8% are mobile homes.
The National Risk Index from FEMA shows elevated ratings for hail (“Relatively High”), tornado (“Relatively High”), wildfire (“Relatively High”), and winter-weather (“Very High”) in El Paso County.
Since 2000, El Paso County has appeared in 7 major disaster declarations; the latest was Severe Storms, Flooding, and Tornadoes (August 2023).
The NOAA Storm Events Database logged 141 hail reports within about 5 miles of Cimarron Hills from 2016 through 2025, 136 of them one inch or larger. Top size measured 3 inches in June 2018.
Cimarron Hills’ median year built is 1989. The stock is mixed: 27% predate 1980 and 20% went up in 2010 or later.
Home heating in Cimarron Hills runs mainly on utility gas (71%) and electricity (26%).
Tornadoes are part of the picture too: NOAA recorded 2 tornadoes touching down within 10 miles of Cimarron Hills between 2016 and 2025, the most intense an EF0 in September 2017.
Older NOAA hail logs add more history: NOAA’s Storm Prediction Center counts 131 hail reports within 5 miles of Cimarron Hills between 1955 and 2015, the largest 2.5 inches on June 7, 2012. 8 of those reports were 2 inches or larger. Federal tornado records from NOAA’s Storm Prediction Center list 14 tornadoes that began within 10 miles of Cimarron Hills from 1950 through 2015; the most powerful, rated F1, touched down on June 14, 1965.
Shopping around the area? We also have home insurance pages for Colorado Springs (3 mi), Stratmoor (7 mi), and Security-Widefield (8 mi).
ZIP codes we cover in and around Cimarron Hills
80914 · 80915 · 80922
Keep exploring Colorado coverage options
Get home insurance quotes in Cimarron Hills, CO
Cimarron Hills homeowners get quotes from 25+ carriers with Freedom Insurance Group. Ready when you are: request a home quote online or dial (800) 253-1482.
