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80438 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 80438 zip code find a great new policy that offers the coverage they need at a price they can afford.

GetHomeInsuranceQuotes.com makes shopping for a new policy in Empire, CO quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 80438.

Shopping for insurance quotes on GetHomeInsuranceQuotes.com is always free and we will provide you with a free consultation to answer any questions you may have about coverages and rates.

If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 80438 and start shopping.

Quickly and Easily Compare Average Rates for 80438

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Empire, CO home insurance quotes in your local city and review the most competitive coverages and premiums.

Average Policy Rates in 80438

Homeowners in Empire are paying roughly $1259 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

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80438 Home Insurance Average Premiums

Local 80438 homeowners insurance quotes comparison

$1009 /yr.

Shows Zip Code: 80438 lowest rates with discounts applied on average.

For the 80438, 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)		$1009 /yr.
Average Coverage:$1259 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1559 /yr.

What is the average home insurance cost for a home in 80438?

  • • The average homeowners insurance premium paid annually for a home in 80438 is around $1259 per year.

What does it cost on average per month for home insurance in 80438?

  • • Homeowners in 80438 pay a monthly average cost per month around $105.00.

What kind of discount could I get if I combine my home and auto insurance together in 80438?

  • • Autoowners in 80438 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 Empire, check out other zip codes nearby 80438.
To review average rates in another zip code, click on a zip code below:
80438  | 

Home Replacement Cost Coverage in 80438

Average Building Cost Per Square Foot in 80438: $260

Location: Empire, Colorado (Clear Creek County)

Average Square Footage in 80438: 839 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 80438 before you start any project. Empire 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 80438 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 80438 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 839 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 Empire 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$260839$218,200
Additional Upgrades & Added Features$325839$272,750
Major Home Updates or Advancements$390839$327,300

It's important to understand that when you estimate your replacement cost of your home in the 80438 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 80438

Best Home & Auto Insurance Agencies in 80438

Housing Demographics for 80438

Population Review for 80438 Zip Code

For the city of Empire, the population within 80438 has increased to over 0 residents in population size. The current population total is 534. We have broken down the population based on race below. In 80438, there are over 289 in male population and 245 females.

PopulationValues
Total Population534
White Population472
Black Population2
Hispanic Population43
Asian Population0
Hawaiian Population0
Indian Population5
Other Population6
Male Population289
Female Population245
Population Estimate0

Household Data for 80438

The average number of homes in 80438 is around 256, there are an average of 2.09 per household. The average house value according to local real estate values is around $218,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode256
Persons Per Household2.09
Average House Value$218,200
Income Per Household$55044
Median Age44.5
Median Age Male40.4
Median Age Female50.5
80438 DetailsValues
StateCO
State Full NameColorado
City TypeZ
City Alias Abbreviation
Area Code720/303
CityEmpire
City Alias NameEMPIRE
CountyClear Creek
County FIPS019
State FIPS08
Time Zone7
Day Light SavingY
MSA
PMSA
CSA216
CBSA19740
CBSA_DIV
CBSA_TypeMetro
CBSA_NameDenver-Aurora-Centennial, CO
MSA_Name
PMSA_Name
RegionWest
DivisionMountain
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses15
Number Of Employees481
Business First Quarter Payroll17389
Business Annual Payroll48818
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 District02
Congressional LandArea7535.34
Delivery Residential0
Delivery Business0
Delivery Total320
Preferred Last Line KeyZ11360
Classification CodeP
Multi-County
CSA NameDenver-Aurora-Greeley, CO
CBSA_DIV_Name
City State KeyZ11360
Land Area55.537000
Water Area0.186000
City Alias Code
City Mixed CaseEmpire
City Alias Mixed CaseEmpire
Box Count302
SFDU0
MFDU0
State ANSI08
County ANSI019
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number072862
Unique ZIP Name
SSA State County Code06090
Medicare CBSA Code19740
Medicare CBSA NameDenver-Aurora-Lakewood, CO
Medicare CBSA TypeMetro
Market Rating Area ID3
County Mixed CaseClear Creek

Colorado Homeowners Insurance News & Information

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    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.  […]