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De Beque, CO: local context
De Beque is a small community of about 496 residents in Mesa County.
In a smaller Colorado community such as De Beque, what matters for insurance is local construction, access to fire protection, and regional storm patterns.
Homes are mostly single-family houses typical of the Mesa County area; rebuild cost, roof age, and construction still drive most premium differences block by block.
Front Range communities deal with hail, wind, and wildfire risk that can move premiums quickly after active storm seasons.
Average cost of homeowners insurance in De Beque
The typical homeowners insurance premium in De Beque, 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 37% lower — near $2,231 per year for a typical home, roughly $1,968 for a $300,000 home, about $2,769 for a $600,000 home, and around $3,604 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 De Beque dwelling curve (typical local home value about $400,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for De Beque, CO, using a typical local home value of about $400,000. Freedom figures apply an approximate 37% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
Homeowners policy coverages, A through F
- Dwelling (Coverage A): This limit pays to rebuild your home’s structure after a covered loss, and it should track current reconstruction costs in your area.
- Other structures (B): Detached garages, sheds, fences, and similar buildings separate from the main house fall here.
- Personal property (Coverage C): Furniture, clothing, and the other things you own inside the house are covered here, though certain valuable items have lower limits.
- Loss of use (Coverage D): Extra living expenses while the home is being repaired after a covered claim forces you out.
- Personal liability (E): When you are found legally liable for injuring another person or damaging their things in a covered incident, it applies.
- Medical payments (Coverage F): When a guest gets hurt on your property, it helps with their medical bills, usually without a liability claim being filed.
Savings opportunities for De Beque, 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% |
Which discounts apply and how much they are worth depend on the carrier. “Up to” is the high end, not a promise.
How De Beque home insurance quotes differ
Multiple interlocking factors determine the price for De Beque homeowners, and carriers review them together when they build a quote. The deductible you choose and your claims history can move the final premium as much as the carrier brand itself, while rebuild cost, roof age and material, and storm or wildfire exposure usually move the number most.
Replacement cost comes down to a simple question: how much would it take to rebuild this home today, with similar materials, at today’s prices for labor and materials? Bigger rebuild figures for De Beque properties tend to raise premiums since the carrier’s maximum payout grows with that figure.
Frame or masonry walls, the roof covering, and general construction quality all shape how the home holds up in Colorado’s wind, hail, and fire events, so construction type and roof details matter too.
Location risk is why similar homes can price differently: carriers score storm, hail, wildfire, and crime risk by ZIP code and neighborhood within De Beque.
A strong fire protection score based on hydrant distance, station distance, and protection class often makes a quote more competitive.
Claims history stays a major rating input: recent claims on the property or household often increase rates for De Beque renewals and new business quotes as well.
Credit-based insurance score, where permitted by state rules, is another lever; higher scores typically bring lower prices when the carrier relies on it.
Local housing and storm data: De Beque
The median home in De Beque was built in 1985. Roughly 44% of homes were built before 1980, so wiring, plumbing, and roof updates often come up in underwriting.
Since 2000, Mesa County has been part of 2 major disaster declarations; the most recent was Covid-19 Pandemic (March 2020).
In FEMA’s National Risk Index, Mesa County rates above the low end for wildfire (“Relatively Moderate”) and winter-weather (“Relatively Moderate”).
ACS 2020–2024 estimates put about 207 housing units in De Beque, and owner-occupants live in about 78% of the occupied homes. By structure type, 56% are detached single-family houses, 14% are in buildings with two or more units, and 29% are mobile homes.
Home heating in De Beque runs mainly on utility gas (71%), electricity (18%), and wood (5.9%). Wood stoves and propane tanks are worth mentioning on an application, because carriers treat them differently.
NOAA’s Storm Events Database lists 2 hail reports within about 5 miles of De Beque from 2016 through 2025; 2 were one inch or bigger. The biggest measured 1.25 inches in May 2020 near De Beque.
De Beque was settled in 1880 and incorporated on January 18, 1890. The Census Bureau counted 451 people in De Beque at the 2000 Census and 504 at the 2010 Census; its July 2024 estimate is 478. Numbers have held fairly steady since 2000.
Older NOAA hail logs add more history: SPC data show 1 hail report within 5 miles of De Beque between 1955 and 2015: hail of 0.75 inches on August 27, 2005.
Comparing homes in nearby towns? Nearby home insurance pages: Parachute (12 mi), Collbran (14 mi), and Battlement Mesa (15 mi).
ZIP codes we serve in and around De Beque
81630
De Beque, CO bundling home and auto
Illustrative average bundling savings, not a guaranteed quote. Actual savings come down to the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| De Beque, Colorado | $258 | $436 | $636 |
Related Colorado insurance pages
Quote homeowners coverage for De Beque, CO
Freedom Insurance Group checks 25+ carriers on behalf of De Beque households. To get started, begin a home quote on our site or call (800) 253-1482.
