Homeowners quotes from 25+ companies, side by side, for Gilcrest, CO, from Freedom Insurance Group.
What makes Gilcrest, CO different
Gilcrest counts about 1,083 residents, located in Weld County.
Gilcrest lacks big-city tourism headlines, so what matters for insurance is local construction, fire protection access, and regional storm patterns.
Homes are mostly single-family properties typical of the Weld County area; replacement cost, roof age, and construction type still drive 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.
Homeowners pricing in Gilcrest, CO
The typical homeowners insurance premium in Gilcrest, 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 35% lower — near $2,302 per year for a typical home, roughly $2,031 for a $300,000 home, about $2,857 for a $600,000 home, and around $3,718 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 Gilcrest dwelling curve (typical local home value about $400,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Gilcrest, CO, using a typical local home value of about $400,000. Freedom figures apply an approximate 35% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
Coverage basics for homeowners
- Dwelling (Coverage A): This is the limit that pays to rebuild the house itself after a covered loss, and it should track what rebuilding costs locally right now.
- Other structures (B): This part protects detached features such as a garage, shed, fence, or similar buildings that stand separate from the main house.
- Coverage C, personal property: Furniture, clothing, and the other things you own inside the house are protected, though special limits can cap higher-value categories.
- Coverage D, loss of use: It can help pay additional living expenses when a covered claim makes the home uninhabitable for a time during repairs.
- Coverage E, personal liability: When you are found legally liable for injuring another person or damaging their things from a covered event, this coverage steps in.
- Medical payments (Coverage F): Visitors’ medical expenses after an injury on your property, usually handled without any formal claim.
Discounts for Gilcrest, 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% |
Every insurer sets its own discount menu and sizes. “Up to” is the high end, not a guaranteed amount.
How Gilcrest home insurance prices vary
Multiple interlocking factors determine a Gilcrest home premium, and underwriters look at all of them before quoting. Look for rebuild cost, the roof’s age and type, and local storm or wildfire exposure to matter most. The deductible you pick and your claims record can also shift the final price about as much as choosing one carrier over another.
Replacement cost is the cost to rebuild the home with comparable materials at today’s prices for labor and supplies. The maximum payout tracks the rebuild estimate, which is why bigger estimates on Gilcrest homes tend to mean higher premiums.
Construction type and roof details count as well: frame versus masonry walls, roofing material, and overall build quality all affect how a property performs in wind, hail, and fire scenarios seen across Colorado.
Similar Gilcrest houses with similar rebuild costs might not cost the same due to location risk: storm, hail, wildfire, and crime scores that change by ZIP code and neighborhood.
A strong fire protection score based on hydrant distance, station distance, and protection class tends to make the premium lower.
Carriers check claims history on every quote; recent claims on the property or household can push Gilcrest renewals and new quotes higher.
Some carriers weigh a credit-based insurance score where permitted; higher scores generally bring lower prices.
Home-and-auto bundles in Gilcrest, CO
Average bundle savings, illustrated, not a quote. Actual savings come down to the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Gilcrest, Colorado | $258 | $436 | $636 |
What public data says about Gilcrest homes
Tornado history matters here as well: NOAA lists 2 tornadoes starting within 10 miles of Gilcrest over 2016–2025, with the strongest at EF0 in June 2023.
The NOAA Storm Events Database logged 9 hail reports within about 5 miles of Gilcrest from 2016 through 2025 (8 at one inch or more). Top size measured 2.75 inches in June 2025 near Johnstown.
Home heating in Gilcrest runs mainly on utility gas (83%) and electricity (16%).
Since 2000, Weld County has appeared in 5 major disaster declarations; the most recent is Covid-19 Pandemic (March 2020).
FEMA’s National Risk Index flags hail (“Relatively High”), tornado (“Relatively High”), winter-weather (“Relatively High”), and strong-wind (“Relatively High”) in Weld County.
ACS 2020–2024 estimates put about 310 housing units in Gilcrest, and owner-occupants live in roughly 89% of the occupied homes. Of all units, 81% are detached single-family houses and 17% are mobile homes.
Gilcrest’s median year built is 1974. About 83% of homes were built before 1980, so electrical, plumbing, and roof upgrades can change eligibility and price.
Census counts put Gilcrest at 1,162 residents in 2000 and 1,034 in 2010, and the Census Bureau’s July 2024 estimate is 1,017. That is roughly 12% fewer residents than in 2000.
Going further back, NOAA’s Storm Prediction Center counts 21 hail reports within 5 miles of Gilcrest between 1955 and 2015; the biggest stones, 2 inches, fell on July 10, 2009. 1 of those reports were 2 inches or larger. Federal tornado records from NOAA’s Storm Prediction Center list 34 tornadoes that began within 10 miles of Gilcrest from 1950 through 2015, the strongest an EF3 on May 22, 2008. NOAA ties that tornado to 1 death and 78 injuries.
Comparing homes in nearby towns? See our home insurance pages for Milliken (4 mi), Evans (5 mi), and Platteville (5 mi).
Where we write coverage around Gilcrest
80623 · 80645 · 80651
