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Compare 80231 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Denver just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 17,090 neighbors looking to save on their home insurance policy in the local 80231 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 80231. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Colorado rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Denver, CO home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Denver, CO

80231 Home Insurance Average Premiums

Local 80231 homeowners insurance quotes comparison

$973 /yr.

Shows Zip Code: 80231 lowest rates with discounts applied on average.

For the 80231, 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)
$973 /yr.
Average Coverage:$1223 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1523 /yr.

What is the average home insurance cost for a home in 80231?

  • • The average homeowners insurance premium paid annually for a home in 80231 is around $1223 per year.

What does it cost on average per month for home insurance in 80231?

  • • Homeowners in 80231 pay a monthly average cost per month around $102.00.

What kind of discount could I get if I combine my home and auto insurance together in 80231?

  • • Autoowners in 80231 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 80231.
Review average rates in another zip code:
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80239 homeowners insurance rates

Home Replacement Cost Coverage in 80231

Average Building Cost Per Square Foot in 80231: $260

Location: Denver, Colorado (Denver County)

Average Square Footage in 80231: 1,482 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 80231 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 80231 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 80231 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,482 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$2601,482$385,400
Additional Upgrades & Added Features$3251,482$481,750
Major Home Updates or Advancements$3901,482$578,100

It's important to understand that when you estimate your replacement cost of your home in the 80231 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 80231

Colorado Insurance Specialist

Address: 10020 E Girard Ave Denver, CO 80231
Phone: (303)369-7833
Website:

Allstate Insurance - Charlotte Gonzales

Address: 7777 E Hampden Ave #214 Denver, CO 80231
Phone: (303)337-6181
Website:

Premier Insurance Group

Address: 1602 S Parker Rd Denver, CO 80231
Phone: (303)696-6323
Website:

Best Home & Auto Insurance Agencies in 80231

American Family Insurance

Address: 8500 W Bowles Ave Littleton, CO 80231
Phone:
Website: http://www.denver.citysearch.com/profile/external/1815156/littleton_co/american_family_insurance.html
Info:

Jane Song - Allstate Agent

Address: 8400 E Iliff Ave, Unit 3 Denver, CO 80231
Phone:
Website: http://www.allstateagencies.com/JANESONG1/Welcome/
Info:

Allstate Insurance - Charlotte Gonzales

Address: 7777 E Hampden Ave Denver, CO 80231
Phone:
Website:
Info:

Allstate Insurance Companies - Sales Offices- Aurora

Address: 1642 S Parker Rd, #204 Denver, CO 80231
Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
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Allstate Insurance Companies

Address: 3443 S Galena St Denver, CO 80231
Phone:
Website: http://www.allstateagencies.com
Info:

Housing Demographics for 80231

Population Review for 80231 Zip Code

For the city of Denver, the population within 80231 has increased to over 36,989 residents in population size. The current population total is 36,014. We have broken down the population based on race below. In 80231, there are over 17774 in male population and 18240 females.

PopulationValues
Total Population36,014
White Population20623
Black Population5845
Hispanic Population7383
Asian Population1700
Hawaiian Population71
Indian Population396
Other Population3041
Male Population17774
Female Population18240
Population Estimate36989

Household Data for 80231

The average number of homes in 80231 is around 17,090, there are an average of 2.10 per household. The average house value according to local real estate values is around $385,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode17,090
Persons Per Household2.10
Average House Value$385,400
Income Per Household$69719
Median Age34.6
Median Age Male34.0
Median Age Female35.3
80231 DetailsValues
StateCO
State Full NameColorado
City TypeP
City Alias Abbreviation
Area Code720/303
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 Businesses1019
Number Of Employees15154
Business First Quarter Payroll195824
Business Annual Payroll840625
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|06
Congressional LandArea189.62|474.66
Delivery Residential17614
Delivery Business1199
Delivery Total21235
Preferred Last Line KeyZ11306
Classification Code
Multi-CountyY
CSA NameDenver-Aurora-Greeley, CO
CBSA_DIV_Name
City State KeyZ11306
Land Area4.882000
Water Area0.000000
City Alias Code
City Mixed CaseDenver
City Alias Mixed CaseDenver
Box Count0
SFDU2711
MFDU12888
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 […]