A plain-language look at homeowners coverage for Four Square Mile: local context, cost drivers, and how to compare quotes without guesswork.
What makes Four Square Mile, CO unique
Four Square Mile is located in Colorado.
Four Square Mile is located in Colorado, where routine insurance shopping is shaped more by home characteristics and carrier appetite than by any single landmark.
Homes are mostly single-family houses like those across Colorado; replacement cost, roof age, and construction type still explain 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.
What households pay for home insurance in Four Square Mile
The typical homeowners insurance premium in Four Square Mile, CO is about $3,764 annually for a typical local home (typical local home value about $448,200). 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 $2,334 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 Four Square Mile dwelling curve (typical local home value about $448,200). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Four Square Mile, CO, using a typical local home value of about $448,200. 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.
Premium drivers for homeowners in Four Square Mile
Several factors determine the price for Four Square Mile homeowners, and carriers review them together when they build a quote. The deductible you choose and your claims history can change the final price as much as the carrier brand itself, but rebuild cost, the roof’s age and material, and local storm or wildfire risk tend to dominate.
Replacement cost is what it would take to rebuild the home with comparable materials at today’s labor and supply prices. Higher rebuild estimates for Four Square Mile properties tend to raise premiums because the carrier’s maximum payout increases with that figure.
Construction type and roof details round out the list: carriers want to know frame versus masonry construction, the roof covering, and how solidly the home is built, since those details affect how it handles wind, hail, and fire events common across Colorado.
Homes in Four Square Mile with similar rebuild costs might not cost the same because of location risk: scores for storms, hail, wildfire, and crime that vary by ZIP code and neighborhood.
Fire protection counts as well: a hydrant close by, a close fire station, and the local protection class can all help the premium.
Recent claims tied to the home or the household can raise rates whether a Four Square Mile policy is renewing or new, since claims history is a big rating factor.
In states that allow it, carriers may use a credit-based insurance score, and a stronger score tends to bring a lower price.
Homeowners coverage basics
- Dwelling (Coverage A): This limit pays to rebuild your home’s structure after a covered loss, and it should keep pace with current reconstruction costs in your area.
- Other structures (Coverage B): A detached garage, a shed, a fence, or similar buildings that stand apart from the house are protected by this part.
- Coverage C, personal property: Your furniture, clothes, and everyday belongings indoors are covered here, though certain valuable items have lower limits.
- Coverage D, loss of use: It can help pay additional living expenses when a covered claim makes the home unlivable for a while during repairs.
- Personal liability (E): Should you be held legally responsible for bodily injury or property damage to others after a covered incident, it applies.
- Coverage F, medical payments: For guests injured on your property, this covers medical costs, usually without a liability claim being filed.
Common discounts for Four Square Mile, 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 vary by carrier. “Up to” shows the maximum, not a guaranteed amount.
Neighborhoods in Four Square Mile
- Hughes Mountainview
- Fountain Side
- Eastridge
- Holly Hills
- Peoria Park
- Village East
- Havana Village
- Highland Crossing
- Sienna at Cherry Creek
- Highland Square
- The Willows at Highline
- Topaz at Indian Creek
- Emerald Valley
- Granville
- Addison at Cherry Creek
- The Covington on Cherry Creek
- Modena Cherry Creek
- Villas Marbella
- Dayton Meadows
Four Square Mile housing stock and storm history
Since 2000, Arapahoe County has appeared in 4 major disaster declarations; the most recent is Severe Storms, Flooding, and Tornadoes (August 2023).
FEMA’s National Risk Index flags hail (“Very High”), tornado (“Relatively High”), winter-weather (“Relatively High”), and strong-wind (“Relatively High”) in Arapahoe County.
Four Square Mile’s median year built is 1990. Ages are mixed: 24% date from before 1980 and 15% were built in 2010 or later.
The NOAA Storm Events Database logged 93 hail reports within about 5 miles of Four Square Mile from 2016 through 2025 (79 at one inch or more). The largest was 2.75 inches in June 2018.
Tornado history matters here as well: NOAA logged 3 tornadoes touching down within 10 miles of Four Square Mile over 2016–2025, with the strongest at EF0 in April 2023.
Home heating in Four Square Mile runs mainly on electricity (53%) and utility gas (45%).
The Census Bureau’s 2020–2024 American Community Survey counts about 10,834 housing units in Four Square Mile, and owner-occupants live in close to 26% of the occupied homes. Looking at building types, 14% are detached single-family houses and 74% are in buildings with two or more units.
Named communities and subdivisions in USGS place-name records near Four Square Mile include Sullivan, Fountain Side, Eastridge, Holly Hills, Peoria Park, and Village East. Older and newer sections can quote differently because of construction era and roof condition.
Earlier hail records help too: the Storm Prediction Center lists 222 hail reports within 5 miles of Four Square Mile between 1955 and 2015; the biggest stones, 4.5 inches, fell on August 5, 1983. Reports of 2-inch or bigger hail number 5 in that span. The NOAA Storm Prediction Center database shows 39 tornadoes that began within 10 miles of Four Square Mile from 1950 through 2015; the most powerful, rated F3, touched down on June 15, 1988.
Shopping around the area? We also have home insurance pages for Glendale (3 mi), Cherry Hills Village (4 mi), and Greenwood Village (5 mi).
ZIP codes we insure in and around Four Square Mile
80231 · 80247 · 80219 · 80816
Four Square Mile, CO bundling home and auto
These show average bundling savings, not a promise. Actual savings vary with carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Four Square Mile, Colorado | $258 | $436 | $636 |
Ways to save on home insurance in Four Square Mile
- Shop more than one carrier, because risk appetite differs.
- Bundle home and auto when it actually 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.
More Colorado insurance guides
Shop homeowners coverage in Four Square Mile, CO
Four Square Mile residents get quotes from 25+ carriers through Freedom Insurance Group. Start a free home quote online or phone (800) 253-1482.
