Side-by-side homeowners quotes from 25+ companies in Morrison, CO, from Freedom Insurance Group.
Getting to know Morrison, CO
Morrison is a smaller place with roughly 434 residents and lies within Jefferson County.
Morrison is not known for big-city tourism headlines, so what matters for insurance is local construction, fire protection access, and regional storm patterns.
Homes are mostly single-family houses typical of the Jefferson County area; rebuild cost, roof age, and construction still explain most premium differences block by block.
Hail, wind, and wildfire risk can move premiums quickly in Front Range communities after busy storm years.
Home insurance prices in Morrison, CO
The typical homeowners insurance premium in Morrison, CO is about $4,200 annually for a typical local home (typical local home value about $550,000). 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 37% lower — near $2,646 per year for a typical home, roughly $1,968 for a $300,000 home, about $2,769 for a $600,000 home, and around $3,604 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 Morrison dwelling curve (typical local home value about $550,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Morrison, CO, using a typical local home value of about $550,000. Freedom figures apply an approximate 37% 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 (A): Rebuilding funds for the home itself after a covered loss. It should keep pace with local rebuilding prices.
- Other structures (B): This part protects detached features such as a garage, shed, fence, or similar buildings that stand separate from the main house.
- Personal property (C): Covers the contents of the home: furniture, clothing, and everyday items. Valuables like jewelry often carry sublimits.
- Loss of use (D): Temporary housing and related costs during repairs after a covered claim makes it unlivable.
- Personal liability (Coverage E): It pays when the law holds you responsible for another person’s injury or property damage arising from a covered event.
- Coverage F, medical payments: Visitors’ medical expenses after an injury on your property, usually handled without any formal claim.
Common discounts for Morrison, 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% |
Not every carrier offers every discount, and the amounts vary. “Up to” shows the maximum, not a guarantee.
What moves home insurance rates in Morrison
A handful of connected factors determine a Morrison home premium, and carriers weigh them as a set before quoting. The deductible you choose and your claims history can change the final price as much as the choice of carrier, while rebuild cost, roof age and material, and storm or wildfire exposure usually move the number most.
Putting the house back with similar materials at today’s labor and supply prices is what replacement cost means. The maximum payout tracks the rebuild estimate, which is why higher figures for Morrison properties usually mean a higher price.
Construction type and roof details play a role too: frame versus masonry walls, the roof covering, and overall build quality all affect how a property performs in wind, hail, and fire that are common across Colorado.
Location risk captures storm, hail, wildfire, and crime scores that can vary by ZIP code and neighborhood within Morrison, so two homes with similar rebuild costs can still get different prices.
Fire protection matters as well: a hydrant close by, a close fire station, and a strong protection class may all help pricing.
Claims history is still a major rating input: recent claims on the property or household often increase rates for Morrison renewals and new business quotes alike.
Credit-based insurance score, where state rules allow it, is one more factor; higher scores typically bring lower premiums when the carrier uses that factor.
Home-and-auto bundles in Morrison, CO
Average bundle savings, illustrated, not a quote. Actual savings vary with the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Morrison, Colorado | $258 | $436 | $636 |
Areas of Morrison
- Crestbrook
- Dakotah Pointe At Willow Springs
- Lyons Ridge
- Willow Springs North
- Montane
- Outlook at Willow Springs
- North Ranch
Morrison homes by the numbers
Home heating in Morrison runs mainly on utility gas (89%) and electricity (8.0%).
Census survey estimates (ACS 2020–2024) show about 151 housing units in Morrison, and owners occupy close to 74% of the occupied homes. Looking at building types, 93% are detached single-family houses and 7.3% are in buildings with two or more units.
Half of Morrison’s homes were built in or before 1954. Roughly 91% of homes predate 1980, so system and roof updates are worth documenting for a quote.
The NOAA Storm Events Database logged 21 hail reports within about 5 miles of Morrison from 2016 through 2025 (19 at one inch or more). The largest was 2.5 inches in June 2023 near Indian Hills.
Since 2000, Jefferson County has been part of 4 major disaster declarations; the most recent is Severe Storms, Flooding, and Tornadoes (August 2023).
The National Risk Index from FEMA shows elevated ratings for hail (“Very High”), tornado (“Relatively High”), wildfire (“Relatively High”), and winter-weather (“Very High”) in Jefferson County.
Census counts put Morrison at 430 residents in 2000 and 428 in 2010, and the Census Bureau’s July 2024 estimate is 394. Numbers have held fairly steady since 2000.
Going further back, NOAA’s Storm Prediction Center counts 15 hail reports within 5 miles of Morrison between 1955 and 2015; the biggest stones, 1.75 inches, fell on August 5, 1970. NOAA Storm Prediction Center records list 7 tornadoes that began within 10 miles of Morrison from 1950 through 2015; the strongest was an F1 on June 30, 1982.
Looking at neighboring communities? See our home insurance pages for Dakota Ridge (4 mi), Genesee (5 mi), and Lakewood (6 mi).
ZIP codes we cover near Morrison
80465 · 80453 · 80228 · 80454 · 80457 · 80225
