Freedom Insurance Group works with Edgewater, CO by providing side-by-side homeowners quotes from 25+ companies.
Edgewater, CO: what is distinctive here
Edgewater counts about 5,302 residents within Colorado.
Edgewater sits in Colorado, and there day-to-day insurance shopping is driven more by the features of each home and carrier appetite than by any single landmark.
Homes are mostly single-family properties like those across Colorado; replacement cost, roof age, and construction type 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.
Home insurance pricing in Edgewater, CO
The typical homeowners insurance premium in Edgewater, CO is about $4,905 annually for a typical local home (typical local home value about $603,400). For a $300,000 dwelling, expect around $3,479 per year; for a $600,000 home about $4,895; and for a $1,000,000 dwelling about $6,370. Freedom Insurance Group rates are often about 38% lower — near $3,041 per year for a typical home, roughly $2,157 for a $300,000 home, about $3,035 for a $600,000 home, and around $3,949 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $2,705 |
| $200,000 – $300,000 | $3,023 |
| $300,000 – $400,000 | $3,712 |
| $400,000 – $500,000 | $4,202 |
| $500,000 – $600,000 | $4,677 |
| $600,000 – $700,000 | $5,049 |
| $700,000 – $800,000 | $5,358 |
| $800,000 – $900,000 | $5,762 |
| $900,000 – $1,000,000 | $6,167 |
Band premiums are midpoints on the Edgewater dwelling curve (typical local home value about $603,400). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Edgewater, CO, using a typical local home value of about $603,400. Freedom figures apply an approximate 38% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
What a standard home policy includes
- Dwelling (Coverage A): The limit that rebuilds the house after a covered loss. Set it to follow local rebuilding prices.
- Other structures (B): Protection for structures not attached to the home, like a shed, fence, or garage.
- Coverage C, personal property: It protects furniture, clothing, and everyday belongings inside the home, with special limits that can apply to higher-value categories.
- Loss of use (D): Added costs of living elsewhere until repairs are done after a covered claim leaves it uninhabitable.
- Personal liability (E): It pays when you are legally responsible for another person’s injury or property damage arising from a covered event.
- Coverage F, medical payments: If a visitor is injured at your home, it helps with their medical bills, often without a formal liability claim.
Home insurance discounts in Edgewater, 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% |
Every insurer decides which discounts it offers and how large they are. Treat “up to” as the ceiling, not a guarantee.
What moves home insurance rates in Edgewater
A handful of connected factors determine an Edgewater home premium, and underwriters look at all of them before quoting. The biggest movers are usually rebuild cost, the roof’s age and material, and local storm or wildfire exposure; deductible choice and claims history can change the final premium as much as which carrier you pick.
Replacement cost comes down to a simple question: how much would it take to rebuild this home today, using comparable materials, at current labor and supply prices? Since the carrier’s largest possible payout rises with the rebuild estimate, higher estimates for Edgewater properties generally raise premiums.
Construction type and roof details matter as well: underwriters check frame versus masonry construction, the roofing material, and how solidly the home is built, since these factors decide how it fares in wind, hail, and fire events common across Colorado.
Location risk explains why neighbors can pay different amounts: carriers score storm, hail, wildfire, and crime exposure by ZIP code and neighborhood across Edgewater.
Fire protection considers hydrant and fire-station distance along with the area’s protection class, and better protection ratings can support lower premiums.
A recent claim tied to the home or the household may lift premiums whether an Edgewater policy is renewing or new, because claims history remains a major rating input.
Credit-based insurance score also plays a role in states that allow it: companies that apply it tend to price lower to applicants with better scores.
Bundling home and auto in Edgewater, CO
The amounts shown show average bundling savings, not a promise. Actual savings depend on carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Edgewater, Colorado | $258 | $436 | $636 |
Edgewater neighborhoods
- Sloan Lake
- Olinger Gardens
- Terra Village
- Clare Gardens
- Wolff Place Residences
Local housing and storm data: Edgewater
Half of Edgewater’s homes were built in or before 1958. Roughly 79% of homes were built before 1980, which means electrical, plumbing, and roof upgrades are worth documenting for a quote.
For heat, Edgewater households mostly rely on utility gas (57%) and electricity (38%).
The Census Bureau’s 2020–2024 American Community Survey counts about 2,589 housing units in Edgewater, and owners occupy close to 40% of the occupied homes. Of all units, 50% are detached single-family houses and 47% are in buildings with two or more units.
NOAA’s Storm Events Database lists 66 hail reports within about 5 miles of Edgewater from 2016 through 2025, 55 of them one inch or larger. Top size was 2.75 inches in May 2017 around Edgewater.
Since 2000, Jefferson County has appeared in 4 major disaster declarations; the most recent was Severe Storms, Flooding, and Tornadoes (August 2023).
The USGS GNIS lists these named communities and subdivisions in and around Edgewater: Spivak, Olinger Gardens, Highland Gardens, Wheat Ridge, Mountain View, and Lakeside. Each area can price differently because of roof age, construction, and fire-station distance.
FEMA’s National Risk Index flags hail (“Very High”), tornado (“Relatively High”), wildfire (“Relatively High”), and winter-weather (“Very High”) in Jefferson County.
Edgewater’s population went from 5,445 at the 2000 Census to 5,170 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 4,880. The town has about 10% fewer people than in 2000.
Older NOAA hail logs add more history: the Storm Prediction Center lists 133 hail reports within 5 miles of Edgewater between 1955 and 2015; the biggest stones, 3 inches, fell on June 13, 1984. Reports of 2-inch or bigger hail number 6 in that span. NOAA Storm Prediction Center records list 29 tornadoes that began within 10 miles of Edgewater from 1950 through 2015; the most powerful, rated F3, touched down on June 15, 1988.
Looking at neighboring communities? See our home insurance pages for Mountain View (2 mi), Wheat Ridge (3 mi), and Berkley (4 mi).
ZIP codes we cover near Edgewater
80214 · 80034 · 80212 · 80215 · 80033 · 80204
