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81005 Home Insurance Quotes, Rates & Coverage
Are you looking for the right homeowners insurance policy at an affordable price for your home in 81005? There are over 12,794 occupied homes in the 81005 area. With a population size of 31,327, it's not uncommon for residence of Pueblo, CO to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Colorado is around $1,247 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 81005 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.
For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Pueblo, CO Home Insurance Rate Quotes
81005 Home Insurance Average Premiums
$997 /yr.
Shows Zip Code: 81005 lowest rates with discounts applied on average.
For the 81005, 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) | $997 /yr. |
| Average Coverage: | $1247 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1547 /yr. |
What is the average home insurance cost for a home in 81005?
- • The average homeowners insurance premium paid annually for a home in 81005 is around $1247 per year.
What does it cost on average per month for home insurance in 81005?
- • Homeowners in 81005 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 81005?
- • Autoowners in 81005 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 Pueblo, check out other zip codes nearby 81005.
To review average rates in another zip code, click on a zip code below:
81005 | 81008 | 81006 | 81007 | 81001 | 81003 | 81004 |
Home Replacement Cost Coverage in 81005
Average Building Cost Per Square Foot in 81005: $260
Location: Pueblo, Colorado (Pueblo County)Average Square Footage in 81005: 756 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 81005 before you start any project. Pueblo 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 81005 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 81005 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 756 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 Pueblo 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $260 | 756 | $196,500 |
| Additional Upgrades & Added Features | $325 | 756 | $245,625 |
| Major Home Updates or Advancements | $390 | 756 | $294,750 |
It's important to understand that when you estimate your replacement cost of your home in the 81005 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 81005
Jeff Larson Insurance Agency
Address: 1842 Vinewood Lane Pueblo, CO 81005Phone: (719)561-8449
Website:
Best Home & Auto Insurance Agencies in 81005
Jeff Larson Insurance Agency
Address: 1842 Vinewood Ln Pueblo, CO 81005Phone:
Website:
Info:
American Family Insurance - Candace M Baca-Swerdfe
Address: 1623 South Prairie Avenue Pueblo, CO 81005Phone:
Website: http://www.insurance-agency.amfam.com/CO/candace-m-baca-swerdfeger/default.aspx?tid=agp0001025906
Info:
Brian K Mondragon Insurance
Address: 4130 Redwood Ln, #110 Pueblo, CO 81005Phone:
Website: http://www.national.citysearch.com/profile/external/1935852/pueblo_co/brian_k_mondragon_insurance.html
Info:
Ace Cash Express
Address: 3058 West Northern Avenue Pueblo, CO 81005Phone:
Website: http://www.national.citysearch.com/profile/external/1935771/pueblo_co/ace_cash_express.html
Info:
Gomez, George - One Stop Insurance
Address: 1105 South Prairie Avenue Pueblo, CO 81005Phone:
Website:
Info:
Housing Demographics for 81005
Population Review for 81005 Zip Code
For the city of Pueblo, the population within 81005 has increased to over 32,525 residents in population size. The current population total is 31,327. We have broken down the population based on race below. In 81005, there are over 15110 in male population and 16217 females.
| Population | Values |
|---|---|
| Total Population | 31,327 |
| White Population | 20265 |
| Black Population | 640 |
| Hispanic Population | 14226 |
| Asian Population | 249 |
| Hawaiian Population | 31 |
| Indian Population | 578 |
| Other Population | 3832 |
| Male Population | 15110 |
| Female Population | 16217 |
| Population Estimate | 32525 |
Household Data for 81005
The average number of homes in 81005 is around 12,794, there are an average of 2.44 per household. The average house value according to local real estate values is around $196,500. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 12,794 |
| Persons Per Household | 2.44 |
| Average House Value | $196,500 |
| Income Per Household | $61156 |
| Median Age | 44.1 |
| Median Age Male | 41.8 |
| Median Age Female | 46.2 |
| 81005 Details | Values |
|---|---|
| State | CO |
| State Full Name | Colorado |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 719 |
| City | Pueblo |
| City Alias Name | PUEBLO |
| County | Pueblo |
| County FIPS | 101 |
| State FIPS | 08 |
| Time Zone | 7 |
| Day Light Saving | Y |
| MSA | 6560 |
| PMSA | |
| CSA | 444 |
| CBSA | 39380 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Pueblo, CO |
| MSA_Name | Pueblo, CO MSA |
| PMSA_Name | |
| Region | West |
| Division | Mountain |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 434 |
| Number Of Employees | 5033 |
| Business First Quarter Payroll | 39955 |
| Business Annual Payroll | 172792 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 159063 |
| CBSA Division Population | 0 |
| Congressional District | 03 |
| Congressional LandArea | 49731.77 |
| Delivery Residential | 13330 |
| Delivery Business | 491 |
| Delivery Total | 15710 |
| Preferred Last Line Key | Z11775 |
| Classification Code | |
| Multi-County | |
| CSA Name | Pueblo-Canon City, CO |
| CBSA_DIV_Name | |
| City State Key | Z11775 |
| Land Area | 198.665000 |
| Water Area | 2.998000 |
| City Alias Code | |
| City Mixed Case | Pueblo |
| City Alias Mixed Case | Pueblo |
| Box Count | 270 |
| SFDU | 10310 |
| MFDU | 523 |
| State ANSI | 08 |
| County ANSI | 101 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 077452 |
| Unique ZIP Name | |
| SSA State County Code | 06500 |
| Medicare CBSA Code | 39380 |
| Medicare CBSA Name | Pueblo, CO |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 7 |
| County Mixed Case | Pueblo |
Colorado Homeowners Insurance News & Information
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Homeowners in Florida Finally See Relief From Higher Insurance Costs Posted on Wednesday 27th August, 2025
According to a recent Realtor.com article, homeowners in Florida, at least some of them, may finally seem some relief from higher homeowner insurance costs. Florida Peninsula Insurance which is one of the largest private party property insurers recently announced that it is hoping to significantly lower premiums for roughly 170,000 policyholders. Florida Peninsula has filed […]
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How can I lower my homeowners insurance rate? Posted on Monday 18th August, 2025
According to a recent report from the National Association of Realtors, homeowner insurance premiums have jumped up 10% since last year which follows a similar increase in 2023. Premium increases were even higher in states where severe weather and wildfires were more common. In a recent AOL.com article, Paul Burns commented on how he had […]
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5 Perils Not Covered by Homeowners Insurance Posted on Tuesday 29th July, 2025
Homeowners insurance is an absolute necessity to protect your home and its contents. If you have a mortgage on your home, it is also required. While homeowners insurance offers plenty of protection, there are gaps in coverage that you should be aware of because they can lead to massive out of pocket costs if you […]