This page covers Evans homeowners coverage basics, the local context, what drives cost, and how to compare quotes without guessing.
Evans, CO: local context
About 21,383 people live in Evans, located in Weld County.
Evans is located in the Weld County area, where routine insurance shopping is driven more by the features of each home and carrier appetite than by any single landmark.
Most homes are single-family properties typical of the Weld County area; rebuild cost, roof age, and construction still explain most premium differences from street to street.
Hail, wind, and wildfire can move premiums quickly in Front Range communities after busy storm years.
Our Evans office is at 3610 35th Avenue, Evans, CO 80620. Call (303) 847-0411, or see the Evans office page.
What households pay for home insurance in Evans
The typical homeowners insurance premium in Evans, CO is about $3,381 annually for a typical local home (typical local home value about $326,300). For a $300,000 dwelling, expect around $3,266 per year; for a $600,000 home about $4,595; and for a $1,000,000 dwelling about $5,980. Freedom Insurance Group rates are often about 36% lower — near $2,164 per year for a typical home, roughly $2,090 for a $300,000 home, about $2,941 for a $600,000 home, and around $3,827 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $2,539 |
| $200,000 – $300,000 | $2,838 |
| $300,000 – $400,000 | $3,484 |
| $400,000 – $500,000 | $3,944 |
| $500,000 – $600,000 | $4,391 |
| $600,000 – $700,000 | $4,740 |
| $700,000 – $800,000 | $5,030 |
| $800,000 – $900,000 | $5,410 |
| $900,000 – $1,000,000 | $5,789 |
Band premiums are midpoints on the Evans dwelling curve (typical local home value about $326,300). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Evans, CO, using a typical local home value of about $326,300. 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 affects home insurance costs in Evans
Multiple interlocking factors shape the price for Evans homeowners, and carriers look at all of them while pricing. Rebuild cost, roof age and material, and local storm or wildfire exposure tend to move the number most, while 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 means. Since the carrier’s largest possible payout rises with the rebuild estimate, higher estimates for Evans houses generally raise premiums.
Frame or masonry walls, what the roof is made of, and how well the house is built each affect how a house performs in the wind, hail, and fire common across Colorado, which is why construction type and roof details count.
Location risk rolls up storm, hail, wildfire, and crime scores that can change by ZIP code and neighborhood within Evans, so two homes with similar rebuild costs may still price differently.
Fire protection looks at distance to hydrants and fire stations plus the area’s protection class, and a stronger protection profile can support more competitive pricing.
Claims history stays a major rating input: recent claims on the property or household often increase rates for Evans renewals and new business quotes too.
In states that allow it, carriers may use a credit-based insurance score, and a higher score generally leads to lower premiums.
The six parts of a home policy
- Coverage A, dwelling: Money to rebuild the structure after a covered loss. It should keep pace with reconstruction costs in your area.
- Other structures (Coverage B): Sheds, fences, detached garages, and the like that stand apart from the house are protected by this part.
- Personal property (Coverage C): Pays for belongings in the home: furniture, clothing, and everyday items. Valuables like jewelry may have special limits.
- Loss of use (D): When repairs after a covered claim make the house unlivable, this coverage helps with additional living expenses.
- Personal liability (E): This applies when you are legally responsible for injuring someone or damaging their property resulting from a covered incident.
- Medical payments (Coverage F): For guests injured on your property, this covers medical costs, often without a formal liability claim.
Savings opportunities for Evans, 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 and their size vary by carrier. Read “up to” as the top end, not a promise.
Local housing and storm data: Evans
The NOAA Storm Events Database logged 32 hail reports within about 5 miles of Evans from 2016 through 2025; 30 were one inch or bigger. Top size was 2 inches in July 2018 around Evans.
In FEMA’s National Risk Index, Weld County rates above the low end for hail (“Relatively High”), tornado (“Relatively High”), winter-weather (“Relatively High”), and strong-wind (“Relatively High”).
Census survey estimates (ACS 2020–2024) show about 7,491 housing units in Evans, and homeowners occupy roughly 68% of the occupied homes. Of all units, 62% are detached single-family houses, 21% are in buildings with two or more units, and 10% are mobile homes.
From 2000 on, Weld County has appeared in 5 major disaster declarations; the latest is Covid-19 Pandemic (March 2020).
Tornadoes are part of the picture too: NOAA recorded 4 tornadoes starting within 10 miles of Evans between 2016 and 2025, the most intense an EF0 in April 2016.
Home heating in Evans runs mainly on utility gas (81%) and electricity (18%).
Evans’ median year built is 2003. There is a spread of ages: 19% predate 1980 and 18% went up in 2010 or later.
Evans was founded in 1867 and incorporated on November 15, 1885. Evans’ population went from 9,514 at the 2000 Census to 18,537 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 22,394. That is growth of roughly 135% since 2000.
Earlier hail records help too: the Storm Prediction Center lists 46 hail reports within 5 miles of Evans between 1955 and 2015, topped by hail of 2 inches on June 7, 1995. Reports of 2-inch or bigger hail number 1 in that span. NOAA Storm Prediction Center records list 37 tornadoes that began within 10 miles of Evans from 1950 through 2015; the most powerful, rated EF3, touched down on May 22, 2008. Along its full path, that storm was blamed for 1 death and 78 injuries.
Comparing homes in nearby towns? Nearby home insurance pages: La Salle (2 mi), Garden City (4 mi), and Greeley (5 mi).
ZIP codes we serve in and around Evans
80620 · 80634 · 80645
Bundling home and auto in Evans, CO
The figures below are illustrated averages for bundling, not a promise. Actual savings come down to the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Evans, Colorado | $258 | $436 | $636 |
How to save on home insurance in Evans
- Shop more than one carrier, since risk appetite differs.
- Bundle home and auto when it really lowers the package price.
- Raise deductibles only if you can afford the out-of-pocket hit.
- Ask about roof, alarm, and claims-free credits that suit your home.
Browse Colorado coverage guides
Shop homeowners coverage in Evans, CO
Freedom Insurance Group compares 25+ carriers for Evans residents. Call (800) 253-1482 or start a free home quote online.
