Compare homeowners insurance quotes in Holly, CO with Freedom Insurance Group. We check 25+ carriers and work with you to match coverage to the home and vehicles you really own.
Average homeowners insurance cost in Holly, CO
| Home value tier | Market est. | Freedom Insurance Group example |
|---|---|---|
| Typical local home (~$400,000) | $3,542 | $2,090 |
| $300,000 dwelling | $3,124 | $1,843 |
| $600,000 dwelling | $4,396 | $2,594 |
| $1,000,000 dwelling | $5,720 | $3,375 |
The typical homeowners insurance premium in Holly, 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 41% lower — near $2,090 per year for a typical home, roughly $1,843 for a $300,000 home, about $2,594 for a $600,000 home, and around $3,375 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 Holly dwelling curve (typical local home value about $400,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Holly, CO, using a typical local home value of about $400,000. 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.
Getting to know Holly, CO
Holly is a small community of about 760 residents and lies within Prowers County.
For a smaller Colorado place like Holly, what matters for insurance is local construction, fire protection access, and regional storm patterns more than any big-city headline.
Homes are mostly single-family properties typical of the Prowers County area; rebuild cost, roof age, and construction still explain most premium differences from street to street.
On the eastern plains, hail, tornadoes, straight-line wind, and grassland fire are the local risks that change a home quote. Roof age and the wind or hail deductible move the price.
How Holly home insurance prices vary
Holly homeowners are priced on several interlocking factors that underwriters review when they build a quote. Rebuild cost, roof age and material, and local storm or wildfire exposure tend to move the number most, while deductible choice and claims history can change the final premium as much as the carrier brand itself.
Replacement cost is what it would take to rebuild the home with like-kind materials at today’s prices for labor and supplies. In Holly, a larger rebuild estimate, the premium usually rises, since the carrier could owe more.
Frame or masonry walls, the roof covering, and overall build quality each affect how the property fares in Colorado’s wind, hail, and fire events, which is why construction type and roof details carry weight.
Two Holly homes with matching rebuild costs might not cost the same due to location risk: storm, hail, wildfire, and crime scores that vary by ZIP code and neighborhood.
Underwriters grade fire protection using protection class and hydrant and station distance; good protection often brings a more competitive price.
A recent claim on the property or by the household may lift premiums whether a Holly policy is renewing or new, since claims history still weighs heavily.
Credit-based insurance score also plays a role where rules allow: companies that apply it tend to price lower for stronger scores.
Home insurance discounts in Holly, 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% |
Each company sets its own discounts and amounts. “Up to” shows the maximum, not a guaranteed amount.
What a standard home policy includes
- Dwelling (A): The limit that rebuilds the house after a covered loss. It should keep pace with current local construction costs.
- Coverage B, other structures: This portion applies to detached features such as a garage, shed, fence, or similar buildings that sit apart from the main house.
- Personal property (C): Belongings such as furniture and clothing inside the house are covered here, but some higher-value categories carry special sublimits.
- Coverage D, loss of use: This coverage can help with additional living expenses when a covered claim makes the home unlivable for a while during repairs.
- Personal liability (Coverage E): If you are legally responsible for bodily injury or property damage to others after a covered incident, it applies.
- Medical payments (F): When a guest gets hurt on your property, this covers medical costs, frequently with no formal liability claim.
Holly, CO home & auto bundle savings
These illustrate average bundle savings, not a quote. Actual savings depend on carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Holly, Colorado | $258 | $436 | $636 |
Local housing and storm data: Holly
The National Risk Index from FEMA shows elevated ratings for hail (“Relatively Moderate”) and winter-weather (“Relatively Moderate”) in Prowers County.
Occupied homes in Holly are heated mostly with utility gas (69%) and electricity (30%).
Since 2000, Prowers County has been part of 3 major disaster declarations; the most recent is Severe Storms, Flooding, and Tornadoes (August 2023).
The NOAA Storm Events Database logged 6 hail reports within about 5 miles of Holly from 2016 through 2025, 5 of them one inch or larger. The biggest measured 2.75 inches in May 2020 around Holly.
Census survey estimates (ACS 2020–2024) show about 339 housing units in Holly, and homeowners occupy roughly 59% of the occupied homes. Of all units, 63% are detached single-family houses and 35% are in buildings with two or more units.
Holly’s median year built is 1968. Roughly 58% of homes were built before 1980, which means electrical, plumbing, and roof upgrades often come up in underwriting.
On tornadoes, NOAA logged 2 tornadoes starting within 10 miles of Holly between 2016 and 2025, the most intense an EFU in April 2017.
Census counts put Holly at 1,048 residents in 2000 and 802 in 2010, and the Census Bureau’s July 2024 estimate is 843. That is roughly 20% fewer residents than in 2000.
Going further back, the Storm Prediction Center lists 27 hail reports within 5 miles of Holly between 1955 and 2015, the largest 3.5 inches on August 16, 1997. Reports of 2-inch or bigger hail number 3 in that span. NOAA Storm Prediction Center records list 18 tornadoes that began within 10 miles of Holly from 1950 through 2015; the strongest was an EF3 on March 28, 2007. NOAA ties that tornado to 2 deaths and 9 injuries.
Comparing homes in nearby towns? Nearby home insurance pages: Granada (10 mi) and Lamar (27 mi).
Holly-area ZIP codes we insure
81047
Other Colorado coverage guides
Compare home insurance quotes in Holly, CO
Freedom Insurance Group compares 25+ carriers for Holly residents. Start a free home quote online or call (800) 253-1482.
