Compare quotes for your home in 81243! Compare the best 12 carriers in minutes.
Quickly Revew Homeowners Insurance in 81243
If you own a home in Powderhorn, CO you need a great homeowners policy to protect your home and possessions. Industry experts recommend shopping your homeowners insurance on a yearly basis to ensure that you are getting the best price and coverage levels.
GetHomeInsuranceQuotes.com can help you shop your coverage and find the best policy for your home in 81243 zip code. Our service is always free and we will gather quotes from up to 12 nationwide insurers so you can see all of your homeowners insurance options in one place. Our Colorado licensed agents will also review your needs and make sure you have the appropriate coverage for your home.
If you want to see real savings on the cost of homeowners insurance start shopping GetHomeInsuranceQuotes.com right now. Get started by clicking the Get Multiple Quotes Now" button below, verify your 81243 and start comparing rates now.
81243 Homeowners Insurance Rates Are Considered: very high!
The average rate for a standard homeowners policy in 81243 is $1507 according to industry data. We can help you achieve substantial savings by using our online quoting process to find the best policy for your specific home. We will also make sure you are fully covered. Insurance policies and coverage levels vary so it is key to fully understand your policy and what it covers as well as any coverage limitations.
We only deal with reputable, nationwide insurers so you can be confident that if you do need to make a claim it will be handled quickly and fairly. It’s time to start shopping for a new policy.
Get 81243 Home Insurance Rate Quotes Right Now!
You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Powderhorn, CO home insurance quotes in your local city and review the most competitive coverages and premiums.
81243 Home Insurance Average Premiums
$1257 /yr.
Shows Zip Code: 81243 lowest rates with discounts applied on average.
For the 81243, 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) | $1257 /yr. |
| Average Coverage: | $1507 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1807 /yr. |
What is the average home insurance cost for a home in 81243?
- • The average homeowners insurance premium paid annually for a home in 81243 is around $1507 per year.
What does it cost on average per month for home insurance in 81243?
- • Homeowners in 81243 pay a monthly average cost per month around $126.00.
What kind of discount could I get if I combine my home and auto insurance together in 81243?
- • Autoowners in 81243 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 Powderhorn, check out other zip codes nearby 81243.
To review average rates in another zip code, click on a zip code below:
Home Replacement Cost Coverage in 81243
Average Building Cost Per Square Foot in 81243: $260
Location: Powderhorn, Colorado (Gunnison County)Average Square Footage in 81243: 1,827 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 81243 before you start any project. Powderhorn 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 81243 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 81243 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,827 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 Powderhorn 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 | 1,827 | $475,000 |
| Additional Upgrades & Added Features | $325 | 1,827 | $593,750 |
| Major Home Updates or Advancements | $390 | 1,827 | $712,500 |
It's important to understand that when you estimate your replacement cost of your home in the 81243 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 81243
Best Home & Auto Insurance Agencies in 81243
Housing Demographics for 81243
Population Review for 81243 Zip Code
For the city of Powderhorn, the population within 81243 has increased to over 334 residents in population size. The current population total is 110. We have broken down the population based on race below. In 81243, there are over 57 in male population and 53 females.
| Population | Values |
|---|---|
| Total Population | 110 |
| White Population | 102 |
| Black Population | 1 |
| Hispanic Population | 4 |
| Asian Population | 0 |
| Hawaiian Population | 0 |
| Indian Population | 0 |
| Other Population | 2 |
| Male Population | 57 |
| Female Population | 53 |
| Population Estimate | 334 |
Household Data for 81243
The average number of homes in 81243 is around 51, there are an average of 2.16 per household. The average house value according to local real estate values is around $475,000. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 51 |
| Persons Per Household | 2.16 |
| Average House Value | $475,000 |
| Income Per Household | $68333 |
| Median Age | 57.5 |
| Median Age Male | 61.8 |
| Median Age Female | 45.8 |
| 81243 Details | Values |
|---|---|
| State | CO |
| State Full Name | Colorado |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 970 |
| City | Powderhorn |
| City Alias Name | POWDERHORN |
| County | Gunnison |
| County FIPS | 051 |
| State FIPS | 08 |
| Time Zone | 7 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | |
| CBSA_DIV | |
| CBSA_Type | |
| CBSA_Name | |
| MSA_Name | |
| PMSA_Name | |
| Region | West |
| Division | Mountain |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 4 |
| Number Of Employees | 6 |
| Business First Quarter Payroll | 49 |
| Business Annual Payroll | 416 |
| 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 | 0 |
| CBSA Division Population | 0 |
| Congressional District | 03 |
| Congressional LandArea | 49731.77 |
| Delivery Residential | 155 |
| Delivery Business | 4 |
| Delivery Total | 158 |
| Preferred Last Line Key | Z11767 |
| Classification Code | |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | Z11767 |
| Land Area | 298.237000 |
| Water Area | 0.048000 |
| City Alias Code | |
| City Mixed Case | Powderhorn |
| City Alias Mixed Case | Powderhorn |
| Box Count | 0 |
| SFDU | 93 |
| MFDU | 0 |
| State ANSI | 08 |
| County ANSI | 051 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 077380 |
| Unique ZIP Name | |
| SSA State County Code | 06250 |
| Medicare CBSA Code | 99906 |
| Medicare CBSA Name | Rural Areas in CO |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 9 |
| County Mixed Case | Gunnison |
Colorado Homeowners Insurance News & Information
-
Homeowner’s Insurance Rates Spiking Over $3,000 a Year on Average Posted on Friday 19th September, 2025
According to a recent report by The Zebra, the average homeowner is paying roughly $3,000 a year for homeowners insurance. Unfortunately, this is just the nationwide average, in many states premiums are dramatically higher for most homeowners. According to the Zebra report, the most expensive states for homeowners insurance are: Nebraska: $7,920 Oklahoma: $7,426 Kansas: […]
-
Homeowner’s Insurance Premiums Skyrocket: Forcing Homeowners to Consider Moving Posted on Thursday 11th September, 2025
While states like Florida, California and Louisiana have seen climbing insurance costs for years due to severe weather, flooding and hurricanes, other states, Colorado and Illinois are good examples, are seeing climbing rates as well due to hailstorms and wildfires. As homeowner’s insurance premiums skyrocket, for some policyholders, the math no longer makes sense forcing […]
-
New Report Reveals Reasons Why Home Insurance Prices Increase Posted on Monday 8th September, 2025
Owning a home is becoming harder to afford for many Americans, in many cases due to the high cost of homeowners insurance. A recent report found that energy companies are responsible for a large amount of the pollution that is leading to climate change and more extreme weather, wildfires and flooding. A report recently released […]