Get multiple home insurance quotes in 80218. Our licensed 80218, CO agents are ready to serve you.

80218 Homeowners Insurance Rate Quotes

Are you shopping for homeowners insurance quotes in 80218? Our rates are very competitive for homeowners living in Denver, CO. Many homeowners based out of your 80218 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our homeowners insurance quotes are free and our Colorado licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 80218 should appear in the zip code field ready to go. For Denver, CO Home Insurance Rate Quotes click to review the best rates and service online!

80218 Average Premium is Rated: Very High!

Homeowners living in 80218 can easily save up to 40% off the average home insurance premium of $1251 a year by comparing rates with us at GetHomeInsuranceQuotes.com. You don't have to do the research to find the best company, rate and coverage options. We have already done this for you. We have 12 major carriers in Denver that are all very competitive and have the best rate and coverage option available. All you need to do is request quotes online for zip code 80218 and we will help you compare prices and apply all available discounts. If you want savings and also need help deciding which policy is best for you, than let us help you compare multiple rates today!

Get Multiple Home Insurance Rates in 80218!

80218 Home Insurance Average Premiums

Local 80218 homeowners insurance quotes comparison

$1001 /yr.

Shows Zip Code: 80218 lowest rates with discounts applied on average.

For the 80218, 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)
$1001 /yr.
Average Coverage:$1251 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1551 /yr.

What is the average home insurance cost for a home in 80218?

  • • The average homeowners insurance premium paid annually for a home in 80218 is around $1251 per year.

What does it cost on average per month for home insurance in 80218?

  • • Homeowners in 80218 pay a monthly average cost per month around $104.00.

What kind of discount could I get if I combine my home and auto insurance together in 80218?

  • • Autoowners in 80218 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.

For shopping home insurance rates within the Denver area, check out other zip codes nearby 80218.
Review average rates in another zip code:
80237 homeowners insurance rates
80216 homeowners insurance rates
80260 homeowners insurance rates
80202 homeowners insurance rates
80205 homeowners insurance rates
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80210 homeowners insurance rates
80204 homeowners insurance rates
80223 homeowners insurance rates
80206 homeowners insurance rates

Home Replacement Cost Coverage in 80218

Average Building Cost Per Square Foot in 80218: $260

Location: Denver, Colorado (Denver County)

Average Square Footage in 80218: 1,854 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 80218 before you start any project. Denver 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 80218 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 80218 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,854 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 Denver 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$2601,854$482,000
Additional Upgrades & Added Features$3251,854$602,500
Major Home Updates or Advancements$3901,854$723,000

It's important to understand that when you estimate your replacement cost of your home in the 80218 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 80218

Allstate Insurance - Alexander Thomas

Address: 1600 Downing St Suite 510 Denver, CO 80218
Phone: (303)320-7733
Website:

Allstate Insurance Companies - Denver- Sales Offices

Address: 825 East Speer Boulevard Denver, CO 80218
Phone: (303)282-7111
Website: www.allstate.com

Barrett Robin Insurance

Address: 825 East Speer Boulevard Denver, CO 80218
Phone: (303)282-7111
Website:

Best Home & Auto Insurance Agencies in 80218

Hassan Meski- Farmers Insurance

Address: 1770 E Colfax Ave Denver, CO 80218
Phone:
Website: http://www.denver.citysearch.com/profile/667455970/denver_co/hassan_meski_farmers_insurance.html
Info:

James Lundin-Farmers Insurance

Address: 1490 Lafayette St, #302b Denver, CO 80218
Phone:
Website: http://www.farmersagent.com/jlundin/
Info:

State Farm Insurance

Address: 1533 Williams St Denver, CO 80218
Phone:
Website:
Info:

Allstate Insurance Company

Address: 825 E Speer Blvd Denver, CO 80218
Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
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David Wemple-Farmers Insurance

Address: 1490 Lafayette St, Ste 302b Denver, CO 80218
Phone:
Website:
Info:

Housing Demographics for 80218

Population Review for 80218 Zip Code

For the city of Denver, the population within 80218 has increased to over 20,285 residents in population size. The current population total is 19,484. We have broken down the population based on race below. In 80218, there are over 9833 in male population and 9651 females.

PopulationValues
Total Population19,484
White Population15640
Black Population954
Hispanic Population2054
Asian Population438
Hawaiian Population26
Indian Population157
Other Population605
Male Population9833
Female Population9651
Population Estimate20285

Household Data for 80218

The average number of homes in 80218 is around 11,955, there are an average of 1.59 per household. The average house value according to local real estate values is around $482,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode11,955
Persons Per Household1.59
Average House Value$482,000
Income Per Household$72586
Median Age33.7
Median Age Male34.9
Median Age Female32.6
80218 DetailsValues
StateCO
State Full NameColorado
City TypeP
City Alias Abbreviation
Area Code303/720
CityDenver
City Alias NameDENVER
CountyDenver
County FIPS031
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 Businesses807
Number Of Employees11722
Business First Quarter Payroll190359
Business Annual Payroll815852
Business Employment Flag
Growth Rank41
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number19960
Growth Increase Percentage3.3
Metropolitan DetailsValues
CBSA Population2543482
CBSA Division Population0
Congressional District01
Congressional LandArea189.62
Delivery Residential12758
Delivery Business678
Delivery Total13909
Preferred Last Line KeyZ11306
Classification Code
Multi-County
CSA NameDenver-Aurora-Greeley, CO
CBSA_DIV_Name
City State KeyZ11306
Land Area1.583000
Water Area0.000000
City Alias Code
City Mixed CaseDenver
City Alias Mixed CaseDenver
Box Count310
SFDU3251
MFDU8962
State ANSI08
County ANSI031
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number072358
Unique ZIP Name
SSA State County Code06150
Medicare CBSA Code19740
Medicare CBSA NameDenver-Aurora-Lakewood, CO
Medicare CBSA TypeMetro
Market Rating Area ID3
County Mixed CaseDenver

Colorado Homeowners Insurance News & Information

  • Should I raise my deductible to $10,000 to help offset the cost of rising premiums? Posted on Wednesday 15th May, 2024

    According to industry reports, homeowners are raising their deductibles to $5,000 to $10,000 to help offset the cost of rising premiums.  While raising a deductible into the stratosphere will absolutely lower your homeowner insurance premium, it does mean that you will have to cover your deductible amount in the event you have to make a […]

  • Should I choose the minimum or maximum homeowners insurance coverage? Posted on Monday 13th May, 2024

    As homeowner insurance rates rise across the country, some homeowners are opting for policies that offer minimal coverage to keep their premiums affordable. Unfortunately, this choice will leave them at higher risk and in a position where they may have to pay more out of pocket if they have to make a claim on their […]

  • Texas is Seeing Major Increases in the Cost of Homeowners Insurance Posted on Tuesday 7th May, 2024

    Like much of the rest of the country, Texas is seeing major increases in the cost of homeowners insurance. According to an article in Austin American-Stateman, residents of Texas have seen their insurance rates go up 50.9% on average which is the largest increase in the country for that time period. Unfortunately, experts are predicting […]