Get multiple home insurance quotes in 80031. Our licensed 80031, CO agents are ready to serve you.

Compare 80031 Home Insurance Rates

Are you looking to easily compare home insurance prices online for your home in the 80031 area? The average homeowners premium in Colorado for a standard homeowners policy is around $1,282/yr., paid annually through your mortgage provider if your home is not currently paid in full. A standard policy for your home is referred to as an HO-3 policy which is the most common homeowners policy. This type of policy covers all perils, but will exclude certain major perils like flood and earthquake damage. The exceptions are listed on your current policy so it is important to know what type of coverage you currently have so you can compare the best home insurance rates, companies and policy protection. In the 80031 zip code, the population size is around 37,254 with 14,461 currently occupied homeowners. Our online quoting process helps make it easy for you to shop and compare the best home insurance rates for your home in 80031.

Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes. Easily shop the best rates for Westminster, CO Homeowners Insurance. Compare companies, quotes, coverages and more.

Avg. CO RateDiscountsSavingsShop Rates
$1,667up to 40% off$667

80031 Home Insurance Average Premiums

Local 80031 homeowners insurance quotes comparison

$1032 /yr.

Shows Zip Code: 80031 lowest rates with discounts applied on average.

For the 80031, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)		$1032 /yr.
Average Coverage:$1282 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1582 /yr.

What is the average home insurance cost for a home in 80031?

  • • The average homeowners insurance premium paid annually for a home in 80031 is around $1282 per year.

What does it cost on average per month for home insurance in 80031?

  • • Homeowners in 80031 pay a monthly average cost per month around $107.00.

What kind of discount could I get if I combine my home and auto insurance together in 80031?

  • • Autoowners in 80031 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

You can easily shop and compare home insurance rates within Westminster, check out other zip codes nearby 80031.
To review average rates in another zip code, click on a zip code below:
80030  |  80031  | 

Home Replacement Cost Coverage in 80031

Average Building Cost Per Square Foot in 80031: $260

Location: Westminster, Colorado (Adams County)

Average Square Footage in 80031: 1,553 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 80031 before you start any project. Westminster 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 80031 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 80031 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,553 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 Westminster 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.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$2601,553$403,900
Additional Upgrades & Added Features$3251,553$504,875
Major Home Updates or Advancements$3901,553$605,850

It's important to understand that when you estimate your replacement cost of your home in the 80031 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.

Best Homeowners Insurance Agencies in 80031

Allstate Insurance-Rowles Agency

Address: 8704 Yates Dr Ste 115 Westminster, CO 80031
Phone: (303)429-2600
Website: agent.allstate.com/46435

Allstate Insurance-Sue Mendenhall

Address: 9101 N. Harlan St Westminster, CO 80031
Phone: (303)487-0168
Website: agent.allstate.com/48352

Best Home & Auto Insurance Agencies in 80031

Sue Mendenhall

Address: 9101 Harlan St, #105 Westminster, CO 80031
Phone:
Website: http://www.agent.allstate.com/48352
Info:

Allstate Insurance Companies

Address: 8704 Yates Dr Westminster, CO 80031
Phone:
Website: http://www.allstateagencies.com
Info:

Arnold, William - Shelter Insurance

Address: 8690 Wolff Ct, #2005 Westminster, CO 80031
Phone:
Website: http://www.shelterinsurance.com/CA/agent/WILLIAMARNOLD
Info:

Sherman Schrock- Farmers Insurance

Address: 8791 Wolff Ct, Ste 210 Westminster, CO 80031
Phone:
Website: http://www.denver.citysearch.com/profile/667301100/westminster_co/sherman_schrock_farmers_insurance.html
Info:

Chavez, Angelo - State Farm Insurance Agent

Address: 8461 Turnpike Dr, Ste 205 Westminster, CO 80031
Phone:
Website: http://www.citysearch.com/profile/external/605154642/westminster_co/chavez_angelo_state_farm_insurance_agent.html
Info:

Housing Demographics for 80031

Population Review for 80031 Zip Code

For the city of Westminster, the population within 80031 has increased to over 40,534 residents in population size. The current population total is 37,254. We have broken down the population based on race below. In 80031, there are over 18461 in male population and 18793 females.

PopulationValues
Total Population37,254
White Population25346
Black Population583
Hispanic Population9411
Asian Population2303
Hawaiian Population49
Indian Population557
Other Population2838
Male Population18461
Female Population18793
Population Estimate40534

Household Data for 80031

The average number of homes in 80031 is around 14,461, there are an average of 2.57 per household. The average house value according to local real estate values is around $403,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode14,461
Persons Per Household2.57
Average House Value$403,900
Income Per Household$90313
Median Age38.8
Median Age Male37.6
Median Age Female39.9
80031 DetailsValues
StateCO
State Full NameColorado
City TypeP
City Alias Abbreviation
Area Code303/720
CityWestminster
City Alias NameWESTMINSTER
CountyAdams
County FIPS001
State FIPS08
Time Zone7
Day Light SavingY
MSA2082
PMSA2080
CSA216
CBSA19740
CBSA_DIV
CBSA_TypeMetro
CBSA_NameDenver-Aurora-Centennial, CO
MSA_NameDenver-Boulder-Greeley, CO CMSA
PMSA_NameDenver, CO PMSA
RegionWest
DivisionMountain
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses772
Number Of Employees6810
Business First Quarter Payroll68664
Business Annual Payroll298090
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population2543482
CBSA Division Population0
Congressional District07|08
Congressional LandArea342.11|0
Delivery Residential15772
Delivery Business591
Delivery Total17542
Preferred Last Line KeyZ12024
Classification Code
Multi-CountyY
CSA NameDenver-Aurora-Greeley, CO
CBSA_DIV_Name
City State KeyZ12024
Land Area8.440000
Water Area0.049000
City Alias Code
City Mixed CaseWestminster
City Alias Mixed CaseWestminster
Box Count0
SFDU7355
MFDU4058
State ANSI08
County ANSI001
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number079576
Unique ZIP Name
SSA State County Code06000
Medicare CBSA Code19740
Medicare CBSA NameDenver-Aurora-Lakewood, CO
Medicare CBSA TypeMetro
Market Rating Area ID3
County Mixed CaseAdams

Colorado Homeowners Insurance News & Information

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    Housing Crisis, Low prices. Graph, Residential Building, Built Structure, Chart, Home Finances, Recession, Arrow, Real estate. The housing market is falling. A recent report from the Harvard Joint Center for Housing Studies found that U.S. homebuying has dropped to its lowest levels since the mid-1990s. The report, The State of the Nation’s Housing 2025 blames record high […]

  • Florida Homeowners Are Concerned About Property Insurance Crisis Posted on Tuesday 1st July, 2025

    Insurance rates are rising at unprecedented rates, causing millions of people to struggle with the new premiums.  In the last three years, insurance rates have doubled in some areas. Homeowners fear for their houses while their representatives in Congress struggle to help.  Insurers are pulling out of states like Florida as damaging hurricanes and powerful […]

  • Upgrading Your Home Against Disasters Can Help Save You Money On Your Insurance Posted on Thursday 26th June, 2025

    Ron Watson’s roof on his Alabama home looks the same as all his neighbors’ roofs. Yet his is saving him money every year.  With the help of nails specifically designed to stay in place during high winds, along with other construction elements, Watson’s roof is less likely to be damaged in natural disasters, like hurricane […]