Shopping home coverage for a Nunn household should not take all week; Freedom Insurance Group handles the legwork. Phone (800) 253-1482 or request a quote online.
Homeowners insurance rates in Nunn, CO
| Scenario | Market estimate | Freedom Insurance Group example (42% less) |
|---|---|---|
| Typical Nunn home (~$400,000) | $3,542/yr | $2,054/yr |
| $300,000 dwelling | $3,124/yr | $1,812/yr |
| $600,000 dwelling | $4,396/yr | $2,550/yr |
| $1,000,000 dwelling | $5,720/yr | $3,318/yr |
The typical homeowners insurance premium in Nunn, 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 Nunn dwelling curve (typical local home value about $400,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Nunn, 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.
Why Nunn home insurance quotes differ
Underwriters price a Nunn homeowners quote from several interlocking factors that work together. Rebuild cost, roof age and material, and local storm or wildfire exposure usually move the price the most, while deductible choice and claims history can swing the final premium as much as the carrier brand itself.
Putting the house back with similar materials at current labor and material costs sets what replacement cost means. In Nunn, a larger rebuild estimate, the premium usually rises, as the carrier’s maximum payout grows.
Whether walls are frame or masonry, what the roof is made of, and overall build quality each affect how a house performs in the wind, hail, and fire common across Colorado, which is why construction type and roof details carry weight.
Location risk is why similar homes can price differently: underwriters rate storm, hail, wildfire, and crime risk down to ZIP code and neighborhood within Nunn.
Fire protection plays in as well: a hydrant close by, a close fire station, and a good protection class rating can each help pricing.
Claims history still matters a lot: in Nunn, claims in the last few years often means higher rates for renewals and new business alike.
Credit-based insurance score is a lever too where it is permitted: carriers that use it generally offer lower premiums to applicants with better scores.
Getting to know Nunn, CO
Nunn is a small community of about 444 residents, located in Weld County.
Nunn lacks big-city tourism headlines, and the insurance story is about local construction, fire protection access, and regional storm patterns.
Homes are mostly single-family properties typical of the Weld County area; replacement cost, roof age, and construction type still explain most premium differences block by block.
Hail, wind, and wildfire can push premiums quickly in Front Range communities after busy storm years.
Home insurance discounts in Nunn, 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% |
Carriers do not all offer the same discounts, and sizes vary. Read “up to” as the ceiling, not a guarantee.
Home insurance coverage basics
- Coverage A, dwelling: This limit pays to rebuild the structure of your home after a covered loss, and it should keep pace with what rebuilding costs locally right now.
- Coverage B, other structures: Coverage for structures not attached to the home, for example a shed, fence, or garage.
- Coverage C, personal property: Pays for belongings in the home: furniture, clothing, and everyday items. Pricier categories can be subject to special limits.
- Loss of use (Coverage D): If a covered claim forces you out during repairs, this helps pay additional living expenses.
- Coverage E, personal liability: Protection when you are legally on the hook for another person’s injury or property damage arising from a covered event.
- Coverage F, medical payments: This helps with guest medical bills for injuries that occur on your property, often without requiring a formal liability claim.
Nunn, CO home and auto bundling
The amounts shown illustrate average bundle savings, not a quote. Actual savings come down to carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Nunn, Colorado | $258 | $436 | $636 |
Housing and weather facts for Nunn
The NOAA Storm Events Database logged 14 hail reports within about 5 miles of Nunn from 2016 through 2025 (13 at one inch or more). The biggest was 1.75 inches in July 2016 near Nunn.
Since 2000, Weld County has been part of 5 major disaster declarations; the latest is Covid-19 Pandemic (March 2020).
The National Risk Index from FEMA shows elevated ratings for hail (“Relatively High”), tornado (“Relatively High”), winter-weather (“Relatively High”), and strong-wind (“Relatively High”) in Weld County.
On tornadoes, NOAA recorded 1 tornado touching down within 10 miles of Nunn between 2016 and 2025, the strongest rated EF0 in July 2016.
Home heating in Nunn runs mainly on utility gas (88%), electricity (7.5%), and propane or other bottled gas (3.8%). Propane tanks and wood stoves are items underwriters ask about, because carriers treat them differently.
ACS 2020–2024 estimates put about 183 housing units in Nunn, and owners occupy about 98% of the occupied homes. Of all units, 97% are detached single-family houses.
Half of Nunn’s homes were built in or before 1968. Roughly 62% of homes were built before 1980, which means wiring, plumbing, and roof updates often come up in underwriting.
Local history records show Nunn was incorporated on March 28, 1908. The Census Bureau counted 471 people in Nunn at the 2000 Census and 416 at the 2010 Census; its July 2024 estimate is 533. Numbers have held fairly steady since 2000.
Older NOAA hail logs add more history: SPC data show 17 hail reports within 5 miles of Nunn between 1955 and 2015; the biggest stones, 2 inches, fell on May 10, 2004. 1 of those reports were 2 inches or larger. The NOAA Storm Prediction Center database shows 39 tornadoes that began within 10 miles of Nunn from 1950 through 2015; the strongest was an F2 on May 8, 1965.
Shopping around the area? We also have home insurance pages for Pierce (5 mi), Ault (9 mi), and Wellington (11 mi).
ZIP codes we cover near Nunn
80648 · 80650
Other Colorado insurance guides
Get home insurance quotes in Nunn, CO
Nunn homeowners get quotes from 25+ carriers through Freedom Insurance Group. Request a free home quote online or phone (800) 253-1482.
