Independent agents comparing homeowners quotes from 25+ carriers for Hillrose residents.
Typical homeowners costs in Hillrose
The typical homeowners insurance premium in Hillrose, 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 Hillrose dwelling curve (typical local home value about $400,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Hillrose, 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.
Hillrose, CO: the local picture
Hillrose is a small community of about 250 residents in Morgan County.
Hillrose is not known for big-city tourism headlines, and the insurance story is about local construction, fire protection access, and regional storm patterns.
The housing stock is a mix of single-family homes typical of the Morgan County area, but replacement cost, roof age, and construction type still explain most premium differences from street to street.
Hail, wind, and wildfire risk can move premiums quickly in Front Range communities after active storm seasons.
Coverage basics for homeowners
After a covered loss, this limit rebuilds the house itself; 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 stand separate from the main house.
Your furniture, clothes, and everyday belongings indoors are covered here, but certain valuable items have lower limits.
If a covered claim forces you out during repairs, this helps pay added costs like a rental or hotel.
This applies when you are legally responsible for injuring someone or damaging their property resulting from a covered incident.
For guests injured on your property, it helps with their medical bills, usually without a liability claim being filed.
Savings opportunities for Hillrose, 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 decides its own discount menu and sizes. “Up to” shows the maximum, not a guarantee.
Why Hillrose home insurance quotes differ
Underwriters price a Hillrose home quote from several interlocking factors that work together. Look for rebuild cost, roof age and material, and storm and wildfire exposure to move the number most. Deductible choice and claims history can swing the final premium as much as the carrier brand.
Consider replacement cost as the cost to rebuild your home with comparable materials at present-day prices. When a Hillrose home has a higher rebuild estimate, the premium usually rises, since the carrier could owe more.
Construction type and roof details also matter: frame versus masonry walls, roof covering, and overall build quality all affect how a property performs in the wind, hail, and fire events that are common across Colorado.
Location risk captures storm, hail, wildfire, and crime scores that can differ by ZIP code and neighborhood within Hillrose, so two homes with similar rebuild costs can still get different prices.
Fire protection weighs how far the home sits from hydrants and stations together with the local protection class, and better protection ratings can support more competitive pricing.
Claims history still matters a lot: for Hillrose homes, recent household or property claims can raise the premium at renewal and on new quotes.
Credit-based insurance score can move the price where it is permitted: carriers that use it tend to price lower to applicants with better scores.
Bundling home and auto in Hillrose, CO
These are illustrated averages for bundling, not a guaranteed quote. Actual savings depend on the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Hillrose, Colorado | $258 | $436 | $636 |
What public data says about Hillrose homes
Tornado history matters here as well: NOAA recorded 12 tornadoes touching down within 10 miles of Hillrose over 2016–2025, with the strongest at EF2 in July 2018.
The Census Bureau’s 2020–2024 American Community Survey counts about 131 housing units in Hillrose, and owner-occupants live in about 79% of the occupied homes. By structure type, 63% are detached single-family houses and 37% are mobile homes.
The National Risk Index from FEMA shows elevated ratings for hail (“Relatively Moderate”), tornado (“Relatively Moderate”), winter-weather (“Relatively Moderate”), and strong-wind (“Relatively Moderate”) in Morgan County.
Home heating in Hillrose runs mainly on propane or other bottled gas (93%) and electricity (5.0%). Propane tanks and wood stoves are items underwriters ask about, since some carriers price or inspect them.
NOAA storm records show 16 hail reports within about 5 miles of Hillrose from 2016 through 2025 (15 at one inch or more). The biggest measured 2.5 inches in May 2023 near Snyder.
Hillrose’s median year built is 1988. Roughly 41% of homes were built before 1980, so electrical, plumbing, and roof upgrades are worth documenting for a quote.
Since 2000, Morgan County has been part of 4 major disaster declarations; the most recent is Covid-19 Pandemic (March 2020).
The Census Bureau counted 254 people in Hillrose at the 2000 Census and 264 at the 2010 Census; its July 2024 estimate is 317. Growth since 2000 comes to roughly 25%.
Older NOAA hail logs add more history: the Storm Prediction Center lists 36 hail reports within 5 miles of Hillrose between 1955 and 2015, topped by hail of 2.75 inches on June 7, 1966. 4 of those reports were 2 inches or larger. The NOAA Storm Prediction Center database shows 13 tornadoes that began within 10 miles of Hillrose from 1950 through 2015, the strongest an F3 on May 10, 1975.
Looking at neighboring communities? We also have home insurance pages for Brush (8 mi), Merino (14 mi), and Fort Morgan (15 mi).
Where we write coverage around Hillrose
80733 · 80750
Related Colorado insurance pages
Hillrose, CO home insurance quotes
Freedom Insurance Group compares 25+ carriers on behalf of Hillrose households. Call (800) 253-1482 or start a free home quote online.
