Homeowners quotes from 25+ companies, side by side, in Ophir, CO, from Freedom Insurance Group.
What makes Ophir, CO different
About 169 residents call Ophir home and sits in San Miguel County.
In a smaller Colorado community such as Ophir, insurance comes down to local construction, access to fire protection, and regional storm patterns rather than tourism headlines.
Homes are mostly single-family properties typical of the San Miguel County area; replacement cost, roof age, and construction type still explain most premium differences from street to street.
Hail, wind, and wildfire risk can push premiums quickly in Front Range communities after active storm seasons.
Home insurance pricing in Ophir, CO
The typical homeowners insurance premium in Ophir, 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 Ophir dwelling curve (typical local home value about $400,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Ophir, 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.
Coverage basics for homeowners
- Coverage A, dwelling: The limit that rebuilds the house after a covered loss. Set it to follow current local construction costs.
- Other structures (Coverage B): This portion applies to detached features such as a garage, shed, fence, or similar buildings that are not attached to the main house.
- Personal property (Coverage C): This covers furniture, clothing, and everyday belongings inside the home, with special limits that can apply to higher-value categories.
- Loss of use (Coverage D): Temporary housing and related costs during repairs after a covered claim forces you out.
- Coverage E, personal liability: Should you be held legally responsible for someone else’s injury or property damage in a covered incident, this part responds.
- Coverage F, medical payments: If a visitor is injured at your home, it helps with their medical bills, usually without a liability claim being filed.
Savings opportunities for Ophir, 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% |
Discount availability and amounts differ from carrier to carrier. Read “up to” as the maximum, not a promise.
What drives home insurance costs in Ophir
Underwriters put together a Ophir home quote from several overlapping factors that work together. Most of the price comes from rebuild cost, the roof’s age and material, and exposure to storms or wildfire; your deductible and claims record can move the final premium as much as the carrier brand itself.
Replacement cost is a straightforward idea: how much would it take to rebuild this home right now, with similar materials, at current labor and supply prices? When a Ophir home has a higher rebuild estimate, the price tends to climb, as the carrier’s maximum payout grows.
Construction type and roof details also move the price: carriers want to know frame versus masonry construction, the roofing material, and the overall build quality, since those details decide how it fares in the wind, hail, and fire seen across Colorado.
Location risk is the reason neighbors can pay different amounts: insurers grade storm, hail, wildfire, and crime exposure down to ZIP code and neighborhood within Ophir.
Insurers score fire protection using the local protection class plus the distance to hydrants and stations; a stronger profile often brings lower pricing.
Claims history carries real weight: for Ophir homes, recent household or property claims can raise the premium for renewals and new business alike.
Certain companies factor in a credit-based insurance score where the state allows; higher scores generally bring lower prices.
Bundling home and auto in Ophir, CO
The figures below show average bundling savings, not a guaranteed quote. Actual savings come down to carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Ophir, Colorado | $258 | $436 | $636 |
Ophir housing stock and storm history
The Census Bureau’s 2020–2024 American Community Survey counts about 68 housing units in Ophir, and owners occupy close to 71% of the occupied homes. Of all units, 97% are detached single-family houses.
NOAA lists no hail reports plotted within about 5 miles of Ophir for 2016–2025, though San Miguel County recorded 1 hail report countywide, topping out at 1 inch.
The median home in Ophir was built in 1995. The stock is mixed: 13% predate 1980 and 13% went up in 2010 or later.
Since 2000, San Miguel County has been part of 2 major disaster declarations; the most recent is Covid-19 Pandemic (March 2020).
Home heating in Ophir runs mainly on propane or other bottled gas (90%). Wood stoves and propane tanks are worth mentioning on an application, because some carriers price or inspect them.
Census counts put Ophir at 113 residents in 2000 and 159 in 2010, and the Census Bureau’s July 2024 estimate is 186. That works out to about 65% more residents than in 2000.
Looking at neighboring communities? See our home insurance pages for Mountain Village (5 mi), Telluride (6 mi), and Silverton (10 mi).
ZIP codes we serve in and around Ophir
81426
