Life Insurance Agencies in Monument, CO

Monument at a glance

• 4life insurance agencies listed
• 23.9%of households rentRenters insurance
• $636,700median home valueHome insurance
• 2006median year homes were builtRebuild cost calculator
• 5.1%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in El Paso County

FEMA rates the overall natural hazard risk in El Paso County, where most Monument agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

• Winter weatherVery High
• LightningVery High

  Fire and lightning are standard covered causes of loss on home policies.

  Home insurance in Colorado
• WildfireRelatively High

  Fire is a standard cause of loss on home policies. In high-risk areas, check that the dwelling limit would rebuild the home at today’s costs.

  Home insurance in Colorado
• HailRelatively High

  Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.

  Home insurance in Colorado
• TornadoRelatively High

  Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.

  Home insurance in Colorado

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.