Independent agents comparing homeowners quotes from 25+ carriers for Gypsum residents.
Home insurance prices in Gypsum
The typical homeowners insurance premium in Gypsum, CO is about $3,638 annually for a typical local home (typical local home value about $553,600). For a $300,000 dwelling, expect around $2,698 per year; for a $600,000 home about $3,796; and for a $1,000,000 dwelling about $4,940. Freedom Insurance Group rates are often about 41% lower — near $2,146 per year for a typical home, roughly $1,592 for a $300,000 home, about $2,240 for a $600,000 home, and around $2,915 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $2,098 |
| $200,000 – $300,000 | $2,345 |
| $300,000 – $400,000 | $2,878 |
| $400,000 – $500,000 | $3,258 |
| $500,000 – $600,000 | $3,627 |
| $600,000 – $700,000 | $3,916 |
| $700,000 – $800,000 | $4,155 |
| $800,000 – $900,000 | $4,469 |
| $900,000 – $1,000,000 | $4,782 |
Band premiums are midpoints on the Gypsum dwelling curve (typical local home value about $553,600). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Gypsum, CO, using a typical local home value of about $553,600. Freedom figures apply an approximate 41% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
What makes Gypsum, CO unique
Gypsum has around 6,922 residents and sits in Eagle County.
Gypsum is part of the Eagle County area, and there routine insurance shopping is shaped more by home characteristics and carrier appetite than by any single landmark.
The housing stock is largely single-family homes typical of the Eagle County area, but replacement cost, roof age, and construction type still drive most premium differences from one house to the next.
Front Range communities deal with hail, wind, and wildfire risk that can move premiums quickly after active storm seasons.
How a homeowners policy is built
When a covered loss hits, this limit covers rebuilding the house itself; keep it in line with current local reconstruction costs.
Detached garages, sheds, fences, and similar buildings separate from the main house are protected by this part.
It protects furniture, clothing, and everyday belongings inside the home, with special limits that may apply to higher-value categories.
This helps with additional living expenses when a covered claim makes the home unlivable for a while during repairs.
When you are found legally liable for someone else’s injury or property damage from a covered event, this coverage steps in.
For guests injured on your property, it helps with their medical bills, frequently with no formal liability claim.
Common discounts for Gypsum, 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% |
Carriers do not all offer the same discounts, and sizes vary. “Up to” shows the maximum, not a promise.
What drives home insurance premiums in Gypsum
Gypsum homeowners are priced on several related factors that underwriters review when they build a quote. The deductible you choose and your claims history can move the final premium as much as the carrier brand itself, but rebuild cost, roof age and material, and storm or wildfire exposure tend to dominate.
Consider replacement cost as the cost to rebuild the house using similar materials at present-day prices. When a Gypsum home has a higher rebuild estimate, the price tends to climb, since the carrier could owe more.
Construction type and roof details also matter: frame versus masonry walls, roofing material, and overall build quality all affect how a property performs in the wind, hail, and fire events common across Colorado.
Homes in Gypsum with matching rebuild costs can still price differently thanks to location risk: scores for storms, hail, wildfire, and crime that vary by ZIP code and neighborhood.
Underwriters score fire protection using the local protection class plus how far away hydrants and stations are; good protection tends to mean a more competitive price.
Claims filed lately on the house or by anyone in the household can push up the price on Gypsum renewals and new quotes alike, since claims history is a big rating factor.
Many insurers look at a credit-based insurance score where permitted; higher scores generally bring lower prices.
Gypsum, CO home and auto bundling
Average bundle savings, illustrated, not a guaranteed quote. Actual savings vary with the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Gypsum, Colorado | $258 | $436 | $636 |
Housing and weather facts for Gypsum
The Census Bureau’s 2020–2024 American Community Survey counts about 2,822 housing units in Gypsum, and homeowners occupy close to 70% of the occupied homes. Of all units, 57% are detached single-family houses, 36% are in buildings with two or more units, and 6.9% are mobile homes.
For heat, Gypsum households mostly rely on utility gas (85%), electricity (11%), and propane or other bottled gas (4.0%). Propane tanks and wood stoves are items underwriters ask about, since they can affect eligibility.
From 2000 on, Eagle County has appeared in 2 major disaster declarations; the latest was Covid-19 Pandemic (March 2020).
The median home in Gypsum was built in 2002. There is a spread of ages: 14% predate 1980 and 13% went up in 2010 or later.
FEMA’s National Risk Index flags winter-weather (“Relatively Moderate”) in Eagle County.
Census counts put Gypsum at 3,654 residents in 2000 and 6,477 in 2010, and the Census Bureau’s July 2024 estimate is 9,218. That works out to about 152% more residents than in 2000.
Federal tornado records from NOAA’s Storm Prediction Center list 2 tornadoes that began within 10 miles of Gypsum from 1950 through 2015, the strongest an F1 on April 6, 1974.
Comparing homes in nearby towns? We also have home insurance pages for Eagle (7 mi), El Jebel (16 mi), and Edwards (18 mi).
ZIP codes we cover near Gypsum
81637 · 81631
See more Colorado insurance resources
Gypsum, CO home insurance quotes
Gypsum residents get a comparison of 25+ carriers through Freedom Insurance Group. To get started, begin a home quote online or call (800) 253-1482.
