Independent agents comparing homeowners quotes from 25+ carriers for Evergreen residents.
What home insurance costs in Evergreen
The typical homeowners insurance premium in Evergreen, CO is about $4,798 annually for a typical local home (typical local home value about $745,500). 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 38% lower — near $2,975 per year for a typical home, roughly $1,937 for a $300,000 home, about $2,726 for a $600,000 home, and around $3,546 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 Evergreen dwelling curve (typical local home value about $745,500). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Evergreen, CO, using a typical local home value of about $745,500. 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.
Evergreen, CO: what is distinctive here
Evergreen counts about 9,038 residents and lies within Jefferson County.
Evergreen sits in the Jefferson County area, where routine insurance shopping is driven more by home characteristics and carrier appetite than by any single landmark.
Homes are mostly single-family houses typical of the Jefferson County area; rebuild cost, roof age, and construction still explain most premium differences from street to street.
Front Range communities contend with hail, wind, and wildfire risk that can move premiums quickly after active storm seasons.
Coverage basics for homeowners
Following a covered loss, this coverage pays to rebuild your home’s structure; make sure it tracks today’s local rebuild costs.
This portion applies to detached features such as a garage, shed, fence, or similar buildings that sit apart from the main house.
Belongings such as furniture and clothing in the home are protected, but certain valuable items have lower limits.
When repairs after a covered claim make the house unlivable, this helps pay additional living expenses.
It responds when you are legally responsible for bodily injury or property damage to others caused by a covered incident.
For guests injured on your property, this covers medical costs, often without a formal liability claim.
Ways to cut the premium in Evergreen, 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% |
Carriers do not all offer the same discounts, and the amounts vary. Read “up to” as the ceiling, not a promise.
Home insurance price factors in Evergreen
A handful of connected factors shape a Evergreen home premium, and carriers look at all of them before quoting. Expect rebuild cost, the roof’s age and type, and local storm or wildfire exposure to drive most of the price. Deductible choice and claims history can also shift the final premium about as much as choosing one carrier over another.
Replacement cost is a straightforward idea: what would it cost to rebuild the house today, using comparable materials, at current labor and supply prices? What the insurer might pay moves with the rebuild estimate, so larger Evergreen rebuild numbers usually mean higher premiums.
Construction type and roof details play a role too: frame versus masonry walls, roof covering, and overall build quality all influence how a property holds up in the wind, hail, and fire events seen across Colorado.
Location risk explains why similar homes can price differently: underwriters rate storm, hail, wildfire, and crime exposure by ZIP code and neighborhood within Evergreen.
Fire protection counts as well: hydrant access, a short drive to the fire station, and a good protection class rating may all help the premium.
Insurers look at claims history carefully; a recent loss on the property or household often push Evergreen renewals and new quotes higher.
Credit-based insurance score is a lever too where it is permitted: carriers that use it usually charge less when scores are higher.
Evergreen, CO home & auto bundle savings
The figures below show average bundling savings, not a promise. Actual savings come down to the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Evergreen, Colorado | $258 | $436 | $636 |
Evergreen housing stock and storm history
ACS 2020–2024 estimates put about 3,893 housing units in Evergreen, and homeowners occupy close to 89% of the occupied homes. By structure type, 87% are detached single-family houses and 5.6% are in buildings with two or more units.
The median home in Evergreen was built in 1976. Roughly 61% of homes were built before 1980, which means system and roof updates can change eligibility and price.
Since 2000, Jefferson County has appeared in 4 major disaster declarations; the latest is Severe Storms, Flooding, and Tornadoes (August 2023).
For heat, Evergreen households mostly rely on utility gas (73%), electricity (18%), and propane or other bottled gas (5.7%). Wood stoves and propane tanks should be disclosed when you apply, since some carriers price or inspect them.
Named communities and subdivisions in USGS place-name records near Evergreen include Troutdale, Hiwan Hills, Elephant Park, and Wah Keeney Park. Rates can still differ from one section to the next because of roof age, construction, and fire-station distance.
NOAA storm records show 15 hail reports within about 5 miles of Evergreen from 2016 through 2025; 14 were one inch or bigger. Top size measured 2.5 inches in June 2023 around Indian Hills.
The National Risk Index from FEMA shows elevated ratings for hail (“Very High”), tornado (“Relatively High”), wildfire (“Relatively High”), and winter-weather (“Very High”) in Jefferson County.
Older NOAA hail logs add more history: SPC data show 31 hail reports within 5 miles of Evergreen between 1955 and 2015; the biggest stones, 2 inches, fell on June 9, 1991. Reports of 2-inch or bigger hail number 1 in that span. The NOAA Storm Prediction Center database shows 1 tornado that began within 10 miles of Evergreen from 1950 through 2015, rated F0, on June 10, 1965.
Shopping around the area? See our home insurance pages for Genesee (5 mi), Morrison (7 mi), and Golden (10 mi).
ZIP codes we cover near Evergreen
80437 · 80439
More Colorado insurance pages
Evergreen, CO home insurance quotes
In Evergreen, Freedom Insurance Group checks 25+ carriers. Request a free home quote online or call (800) 253-1482.
