Side-by-side homeowners quotes from 25+ companies for Silverton, CO, from Freedom Insurance Group.
Getting to know Silverton, CO
Silverton is a smaller place with about 637 residents and sits in San Juan County.
For a smaller Colorado place like Silverton, the insurance picture centers on local construction, fire protection access, and regional storm patterns more than any big-city headline.
Housing here is largely single-family homes typical of the San Juan County area, but replacement cost, roof age, and construction type still explain 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.
Home insurance pricing in Silverton, CO
The typical homeowners insurance premium in Silverton, 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 37% lower — near $2,231 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 Silverton dwelling curve (typical local home value about $400,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Silverton, CO, using a typical local home value of about $400,000. 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
- Coverage A, dwelling: This limit pays to rebuild the house itself after a covered loss, and it should match what rebuilding costs locally right now.
- Coverage B, other structures: This part protects detached features such as a garage, shed, fence, or similar buildings that are not attached to the main house.
- Personal property (C): Protects what is inside the house: furniture, clothing, and everyday items. Valuables like jewelry often carry sublimits.
- Coverage D, loss of use: If a covered claim forces you out during repairs, it can cover added costs like a rental or hotel.
- Personal liability (E): This coverage responds when you are legally responsible for harm to other people or their property resulting from a covered incident.
- Coverage F, medical payments: Medical bills for guests injured on your property, frequently covered without a liability claim.
Homeowners discounts in Silverton, 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% |
Discounts and their size depend on the carrier. Treat “up to” as the ceiling, not a guarantee.
How Silverton home insurance prices vary
A handful of connected factors go into a Silverton home premium, and underwriters weigh them as a set when they build a quote. The deductible you choose and your claims history can change the final price as much as the carrier brand itself, but rebuild cost, roof age and material, and storm or wildfire exposure tend to dominate.
Replacement cost answers one question: how much would it take to rebuild this home today, using comparable materials, at current labor and supply prices? In Silverton, a larger rebuild estimate, premiums generally go up, as the carrier’s maximum payout grows.
Construction type and roof details count as well: frame versus masonry walls, roofing material, and overall build quality shape how a property holds up in wind, hail, and fire that are common across Colorado.
Location risk is the reason similar homes can price differently: insurers grade storm, hail, wildfire, and crime risk by ZIP code and neighborhood in Silverton.
Underwriters rate fire protection by the local protection class and hydrant and station distance; good protection often brings lower pricing.
Claims history stays a major rating input: recent claims on the property or household frequently raise rates for Silverton renewals and new business quotes as well.
In states that allow it, insurers may apply a credit-based insurance score, and a better score tends to bring a lower price.
Silverton, CO home and auto bundling
Illustrative average bundling savings, not guaranteed. Actual savings vary with the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Silverton, Colorado | $258 | $436 | $636 |
What public data says about Silverton homes
ACS 2020–2024 estimates put about 545 housing units in Silverton, and owner-occupants live in about 48% of the occupied homes. By structure type, 71% are detached single-family houses, 16% are in buildings with two or more units, and 13% are mobile homes.
Half of Silverton’s homes were built in or before 1972. Roughly 66% of homes were built before 1980, which means system and roof updates can change eligibility and price.
Occupied homes in Silverton are heated mostly with propane or other bottled gas (54%), wood (32%), and electricity (8.9%). Propane tanks and wood stoves should be disclosed when you apply, since they can affect eligibility.
From 2000 on, San Juan County has been part of 2 major disaster declarations; the latest was Covid-19 Pandemic (March 2020).
Silverton was incorporated on November 15, 1885. Census counts put Silverton at 531 residents in 2000 and 637 in 2010, and the Census Bureau’s July 2024 estimate is 731. That works out to about 38% more residents than in 2000.
Comparing homes in nearby towns? Nearby home insurance pages: Ophir (10 mi), Telluride (12 mi), and Mountain Village (13 mi).
Silverton-area ZIP codes we insure
81433
