Shopping home coverage for a Roxborough Park household does not have to be a runaround; Freedom Insurance Group helps. Phone (800) 253-1482 or ask for a quote online.
Homeowners insurance rates in Roxborough Park, CO
| Scenario | Market estimate | FIG illustrated (38% less) |
|---|---|---|
| Typical Roxborough Park home (~$648,100) | $4,530/yr | $2,809/yr |
| $300,000 dwelling | $3,124/yr | $1,937/yr |
| $600,000 dwelling | $4,396/yr | $2,726/yr |
| $1,000,000 dwelling | $5,720/yr | $3,546/yr |
The typical homeowners insurance premium in Roxborough Park, CO is about $4,530 annually for a typical local home (typical local home value about $648,100). 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 38% lower — near $2,809 per year for a typical home, roughly $1,937 for a $300,000 home, about $2,726 for a $600,000 home, and around $3,546 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 Roxborough Park dwelling curve (typical local home value about $648,100). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Roxborough Park, CO, using a typical local home value of about $648,100. Freedom figures apply an approximate 38% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
What moves home insurance rates in Roxborough Park
A handful of connected factors determine what Roxborough Park homeowners pay, and carriers look at all of them before quoting. Most of the price comes from rebuild cost, roof age and material, and exposure to storms or wildfire; deductible choice and claims history can change the final premium as much as the company you choose.
Replacement cost is the cost to rebuild the home with comparable materials at today’s prices for labor and supplies. What the insurer might pay follows the rebuild estimate, so higher figures for Roxborough Park properties usually mean a higher price.
Construction type and roof details count as well: frame versus masonry walls, roofing material, and overall build quality all affect how a property holds up in the wind, hail, and fire events common across Colorado.
Similar Roxborough Park houses with matching rebuild costs can still price differently due to location risk: scores for storms, hail, wildfire, and crime that shift by ZIP code and neighborhood.
Fire protection considers how far the home sits from hydrants and stations together with the local protection class, and a stronger protection profile can support sharper pricing.
A recent claim on the property or by the household may lift the price on Roxborough Park renewals and new quotes alike, because claims history is a big rating factor.
Many insurers factor in a credit-based insurance score where the state allows; higher scores generally bring lower prices.
What makes Roxborough Park, CO different
Roxborough Park has about 9,099 residents in Colorado.
Roxborough Park lies within Colorado, and there everyday insurance shopping is shaped more by the features of each home and carrier appetite than by any single landmark.
The housing stock is largely single-family homes typical of Colorado, and replacement cost, roof age, and construction type still drive most premium differences block by block.
Front Range communities contend with hail, wind, and wildfire risk that can move premiums quickly after active storm seasons.
Homeowners discounts in Roxborough Park, 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 chooses its own discount menu and sizes. Treat “up to” as the top end, not a guarantee.
What a standard home policy includes
- Coverage A, dwelling: Following a covered loss, this coverage covers rebuilding the structure; keep it in line with what rebuilding costs in your area today.
- Other structures (B): Sheds, fences, detached garages, and the like separate from the main house are protected by this part.
- Personal property (Coverage C): Pays for belongings in the home: furniture, clothing, and everyday items. Higher-value categories may have special limits.
- Coverage D, loss of use: This coverage can help with additional living expenses when a covered claim makes the home uninhabitable for a time during repairs.
- Personal liability (Coverage E): When you are found legally liable for bodily injury or property damage to others from a covered event, this coverage steps in.
- Coverage F, medical payments: Medical costs for a guest hurt at your home, often paid without any formal claim.
Bundling home and auto in Roxborough Park, CO
The amounts shown are illustrated averages for bundling, not a quote. Actual savings vary with carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Roxborough Park, Colorado | $258 | $436 | $636 |
Areas of Roxborough Park
- Prospect Village at Sterling Ranch
- Pinnacle Village at Serling Ranch
- Promontory Village at Sterling Ranch
- Legends Village at Sterling Ranch
- Blue Mesa
- Red Mesa
- Roxborough Village
- Roxborough Ridge
- North Roxborough Park
- Ravenna
- Broadstone Sterling Ranch
- Chatfield Farms
Housing and weather facts for Roxborough Park
The median home in Roxborough Park was built in 2002. There is a spread of ages: 3.3% predate 1980 and 12% went up in 2010 or later.
ACS 2020–2024 estimates put about 3,405 housing units in Roxborough Park, and owner-occupants live in roughly 98% of the occupied homes. By structure type, 95% are detached single-family houses.
The National Risk Index from FEMA shows elevated ratings for hail (“Relatively High”), tornado (“Relatively High”), wildfire (“Relatively High”), and winter-weather (“Very High”) in Douglas County.
NOAA storm records show 1 hail report within about 5 miles of Roxborough Park from 2016 through 2025; it measured at least an inch. The biggest measured 1 inch in June 2020 around Roxborough Park.
Occupied homes in Roxborough Park are heated mostly with utility gas (82%) and electricity (16%).
On tornadoes, NOAA logged 1 tornado starting within 10 miles of Roxborough Park between 2016 and 2025, with the strongest at EF1 during June 2023.
Since 2000, Douglas County has appeared in 3 major disaster declarations; the latest is Severe Storms, Flooding, and Tornadoes (August 2023).
Going further back, SPC data show 13 hail reports within 5 miles of Roxborough Park between 1955 and 2015, the largest 2 inches on June 26, 1989. Reports of 2-inch or bigger hail number 1 in that span. Federal tornado records from NOAA’s Storm Prediction Center list 5 tornadoes that began within 10 miles of Roxborough Park from 1950 through 2015, the strongest an F1 on September 14, 1976.
Looking at neighboring communities? We also have home insurance pages for Highlands Ranch (8 mi), Ken Caryl (9 mi), and Castle Pines Village (9 mi).
ZIP codes we serve in and around Roxborough Park
80125 · 80135
More Colorado coverage guides
Roxborough Park, CO home insurance quotes
Freedom Insurance Group compares 25+ carriers for Roxborough Park residents. Phone (800) 253-1482 or begin a free home quote online.
