80026 Home Insurance Rates

For homeowners living in 80026, the population estimates are increasing to well over 32,318 with 12,792 occupied homes within the zip code of 80026. Homeowners like you are dicovering up to 40% or more in savings when they shop their new home insurance policy online. At GetHomeInsuranceQuotes.com, we provide homeowners a free shopping service that allows you to easily compare up to 12 competitive quotes for free. Home insurance premiums in Lafayette have increased and the average home insurance premium is around $1,209 per year in 80026. With our online quoting services and hassle free consultation, we can help you apply all the available discounts you need, plus review the best coverage and carrier option for you. Enter your 80026 zip code today so we can help you find affordable Lafayette, CO home insurance premiums.

Compare Multiple Homeowners Insurance Rates in 80026

Please select one of the three options below based on your 80026 zip code to learn more about Colorado homeowners insurance, plus review average rates and information per state, county or city.

1. Colorado Homeowners Insurance Quotes
2. Boulder County, CO Home Insurance
3. Lafayette, CO Home Insurance Quotes

80026 Average Home Insurance Rating Cost is: Very High!

Getting cheaper homeowners insurance in the 80026 zip code just got easier with GetHomeInsuranceQuotes.com of Lafayette, CO. A homeowners policy consists of a combined property and casualty coverage for your home. To insure your home for a variety of risks like fire, theft, windstorm damage or liability accidents, it's important to get the right home insurance coverage. A standard HO-3 homeowners policy will help you get the basic coverage you need. Their are multiple home insurance types and we can help you get the savings you are looking for you in your insurance cost, plus the enhanced coverage you need so you have the protection when you need it most. Shop your home in 80026 today and let us help you review the best home insurance quotes available for homeowners living in Lafayette.

Get 80026 Homeowners Insurance Rates Now!

Average Building Cost Per Square Foot in 80026: $260

Average Square Footage in 80026: 2,016 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 80026 before you start any project. Lafayette homeowners pay on average around $260 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 80026 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 80026 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,016 sq. ft. and the average cost to rebuild the home in this area is around $260 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Lafayette area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

It's important to understand that when you estimate your replacement cost of your home in the 80026 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Allstate Insurance Companies

Paul J Hultgren Ins Agency Inc - State Farm Insurance Agent

Ivan Gerrity Agency Inc

American Family Insurance Agents Lafytte Hpsn SCTT

Allstate Auto Insurance

Household Data for 80026

The average number of homes in 80026 is around 12,792, there are an average of 2.51 per household. The average house value according to local real estate values is around $524,100. Please review the following demographics below for average income and media age.

• Affordable Home Insurance Is Getting Very Hard to Find Posted on Tuesday 6th May, 2025

  According to a recent ValuePenguin study, homeowners are having a harder time finding affordable insurance due to the property insurance crisis spreading around the country.  The report found that a shocking two-thirds of homeowners have seen premium increases in 2024. Another 25% of homeowners said they were dropped by their insurance company which is a […]

• Which state pays the highest home insurance premiums in 2025? Posted on Thursday 24th April, 2025

  Recently, Insurify released its third annual American Homeowner Insurance report which offers a detailed forecast of insurance trends in the U.S. for 2025.  States that have a high risk of wildfires and severe weather will see the largest increases in homeowners insurance premiums. According to the report, Louisiana will see the largest premium increases with […]

• Top 10 States That Have the Highest Rates of Uninsured Homes Posted on Tuesday 22nd April, 2025

  As recent headlines have made clear, climate change has led to more frequent extreme weather events which has led to a rise in homeowner insurance claims. As insurers deal with an increased number of claims, they pass those additional costs onto homeowners via higher premiums, regardless of whether you have filed a claim or not.  […]