Freedom Insurance Group works with Jamestown, CO with side-by-side homeowners quotes from 25+ companies.
Getting to know Jamestown, CO
Roughly 264 residents call Jamestown home, located in Boulder County.
For a smaller Colorado place like Jamestown, what matters for insurance is local construction, fire protection access, and regional storm patterns rather than tourism headlines.
Most homes are single-family houses typical of the Boulder County area; rebuild cost, roof age, and construction still explain most premium differences from street to street.
Hail, wind, and wildfire risk can move premiums quickly in Front Range communities after busy storm years.
Homeowners pricing in Jamestown, CO
The typical homeowners insurance premium in Jamestown, 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 42% lower — near $2,054 per year for a typical home, roughly $1,812 for a $300,000 home, about $2,550 for a $600,000 home, and around $3,318 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 Jamestown dwelling curve (typical local home value about $400,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Jamestown, CO, using a typical local home value of about $400,000. Freedom figures apply an approximate 42% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
Home insurance coverage basics
- Dwelling (Coverage A): The limit that rebuilds the house after a covered loss. Match it to local rebuilding prices.
- Other structures (B): Detached garages, sheds, fences, and similar buildings that stand apart from the house fall here.
- Personal property (C): Covers the contents of the home: furniture, clothing, and everyday items. Pricier categories often carry sublimits.
- Loss of use (D): It can help pay additional living expenses when a covered claim makes the home temporarily unlivable during repairs.
- Coverage E, personal liability: Should you be held legally responsible for someone else’s injury or property damage in a covered incident, it applies.
- Medical payments (F): This coverage can help with guest medical bills for injuries that happen on your property, often without requiring a formal liability claim.
Discounts for Jamestown, 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% |
Discounts are not uniform across carriers, and amounts differ too. Treat “up to” as the top end, not what everyone gets.
Why Jamestown home insurance premiums differ
Several factors shape a Jamestown home premium, and underwriters look at all of them when they build a quote. Deductible choice and past claims can move the final premium as much as the carrier brand itself, while rebuild cost, roof age and material, and storm or wildfire exposure typically matter most.
Consider replacement cost as what rebuilding would cost your home using similar materials at today’s labor and material prices. The maximum payout tracks the rebuild estimate, so higher figures for Jamestown properties tend to mean higher premiums.
Whether walls are frame or masonry, what the roof is made of, and general construction quality all shape how a house performs in Colorado’s wind, hail, and fire events, so construction type and roof details matter too.
Location risk is why similar homes can price differently: insurers grade storm, hail, wildfire, and crime exposure by ZIP code and neighborhood within Jamestown.
Fire protection weighs how far the home sits from hydrants and stations together with local protection class, and a stronger protection profile may earn lower premiums.
Underwriters review claims history on every quote; fresh claims tied to the home or the people in it often push the price up whether the Jamestown policy is new or renewing.
Credit-based insurance score can move the price where rules allow: companies that apply it tend to price lower for stronger scores.
Jamestown, CO home and auto bundling
The figures below illustrate average bundle savings, not a quote. Actual savings come down to the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Jamestown, Colorado | $258 | $436 | $636 |
Jamestown housing stock and storm history
FEMA’s National Risk Index flags hail (“Relatively High”), tornado (“Relatively High”), wildfire (“Relatively High”), and winter-weather (“Relatively High”) in Boulder County.
For heat, Jamestown households mostly rely on propane or other bottled gas (81%), utility gas (8.0%), and wood (5.8%). Propane tanks and wood stoves are items underwriters ask about, because some carriers price or inspect them.
Since 2000, Boulder County has appeared in 5 major disaster declarations; the most recent is Wildfires and Straight-Line Winds (December 2021).
The NOAA Storm Events Database logged 1 hail report within about 5 miles of Jamestown from 2016 through 2025, and it was at least one inch across. The largest measured 1 inch in May 2018 around Gold Hill.
Census survey estimates (ACS 2020–2024) show about 154 housing units in Jamestown, and owner-occupants live in roughly 86% of the occupied homes. By structure type, 88% are detached single-family houses and 9.1% are in buildings with two or more units.
The median home in Jamestown was built in 1943. Roughly 80% of homes predate 1980, which means system and roof updates can change eligibility and price.
The Census Bureau counted 205 people in Jamestown at the 2000 Census and 274 at the 2010 Census; its July 2024 estimate is 246. Growth since 2000 comes to roughly 20%.
Earlier hail records help too: NOAA’s Storm Prediction Center counts 3 hail reports within 5 miles of Jamestown between 1955 and 2015, topped by hail of 1.75 inches on June 12, 1983.
Looking at neighboring communities? Nearby home insurance pages: Ward (7 mi), Lyons (10 mi), and Boulder (10 mi).
ZIP codes we cover in and around Jamestown
80455 · 80306 · 80307 · 80314
