A H And M Insurance Agency, LLC
2403 Santa Fe Dr, Ste 4, Pueblo, CO 81006
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2403 Santa Fe Dr, Ste 4, Pueblo, CO 81006
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1000 W 6th St, Suite S, Pueblo, CO 81003
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1108 N Main St, Pueblo, CO 81003
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1311 N Santa Fe Avenue, Pueblo, CO 81003
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2401 W Northern Avenue, Pueblo, CO 81004
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20 Club Manor Drive, Unit A, Pueblo, CO 81008
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200 W B St, Ste 222, Pueblo, CO 81003
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1636 W US Highway 50, Pueblo, CO 81008
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200 W B Street, Pueblo, CO 81003
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215 S Victoria Ave, Suite E, Pueblo, CO 81003
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Learn about insurance coverage options specific to Pueblo residents.
Pueblo home insurance averages $374/month due to severe hail, wind, and flood risks. Learn coverage options, costs, and ways to save on your policy.
General Insurance EducationComplete insurance guide for Pueblo, CO residents. Learn about hail risks, flood zones, minimum auto coverage, and costs for home insurance in Southern Colorado.
Car InsurancePueblo drivers pay $2,149/year on average for auto insurance. Learn about Colorado's 25/50/15 minimums, I-25 corridor risks, and how to save money.
Car InsurancePueblo drivers pay $156-$181/month for car insurance. Learn why rates are higher, how hail affects costs, and where to find affordable coverage in 2025.
Pueblo faces severe hail exposure with August being the peak danger month, plus high wind events and Arkansas River flood history. The city also has older housing stock that's expensive to repair or replace, and these factors combined drive premiums to around $374 per month—among the highest in Colorado.
No, standard homeowners insurance does not cover any type of flooding, including from the Arkansas River. You must purchase separate flood insurance through the National Flood Insurance Program (NFIP), which has a 30-day waiting period. If you have a mortgage from a government-backed lender and live in a high-risk flood zone, this coverage is required.
Yes, Class 4 impact-resistant shingles can qualify you for discounts of 20% or more with most insurers. Given Pueblo's severe hail risk—with 123 hail reports and 51 severe weather warnings in the past year—this upgrade typically pays for itself through premium savings over time.
Historic homes in areas like the Bessemer district face higher premiums due to expensive replacement costs for period-appropriate materials and specialized construction methods. Older electrical, plumbing, and roofing systems also increase risk. However, updating these systems can sometimes qualify you for discounts that offset the age penalty.
The average monthly premium in Pueblo is approximately $374, or about $4,488 annually. This is significantly higher than the Colorado state average of around $194 per month for $300,000 in dwelling coverage, making Pueblo one of the three most expensive cities in the state for home insurance.
Unlike most of Colorado where June is peak hail season, Pueblo's most dangerous month is August when severe thunderstorms produce golf ball-sized hail. Maintain your roof in good condition, consider impact-resistant shingles, document your property with photos for insurance purposes, and review your coverage limits before storm season begins.
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