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81334 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 81334? There are over 461 occupied homes in the 81334 area. With a population size of 1,461, it's not uncommon for residence of Towaoc, 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 $1,251 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 81334 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: Towaoc, CO Home Insurance Rate Quotes

81334 Home Insurance Average Premiums

Local 81334 homeowners insurance quotes comparison

$1001 /yr.

Shows Zip Code: 81334 lowest rates with discounts applied on average.

For the 81334, 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 81334?

  • • The average homeowners insurance premium paid annually for a home in 81334 is around $1251 per year.

What does it cost on average per month for home insurance in 81334?

  • • Homeowners in 81334 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 81334?

  • • Autoowners in 81334 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 Towaoc, check out other zip codes nearby 81334.
To review average rates in another zip code, click on a zip code below:
81334  | 

Home Replacement Cost Coverage in 81334

Average Building Cost Per Square Foot in 81334: $260

Location: Towaoc, Colorado (Montezuma County)

Average Square Footage in 81334: 618 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 81334 before you start any project. Towaoc 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 81334 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 81334 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 618 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 Towaoc 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$260618$160,600
Additional Upgrades & Added Features$325618$200,750
Major Home Updates or Advancements$390618$240,900

It's important to understand that when you estimate your replacement cost of your home in the 81334 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 81334

Best Home & Auto Insurance Agencies in 81334

Housing Demographics for 81334

Population Review for 81334 Zip Code

For the city of Towaoc, the population within 81334 has increased to over 0 residents in population size. The current population total is 1,461. We have broken down the population based on race below. In 81334, there are over 666 in male population and 795 females.

PopulationValues
Total Population1,461
White Population10
Black Population4
Hispanic Population34
Asian Population0
Hawaiian Population4
Indian Population1409
Other Population4
Male Population666
Female Population795
Population Estimate0

Household Data for 81334

The average number of homes in 81334 is around 461, there are an average of 3.13 per household. The average house value according to local real estate values is around $160,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode461
Persons Per Household3.13
Average House Value$160,600
Income Per Household$28571
Median Age28.5
Median Age Male26.5
Median Age Female32.1
81334 DetailsValues
StateCO
State Full NameColorado
City TypeZ
City Alias Abbreviation
Area Code970
CityTowaoc
City Alias NameTOWAOC
CountyMontezuma
County FIPS083
State FIPS08
Time Zone7
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionWest
DivisionMountain
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses0
Number Of Employees0
Business First Quarter Payroll0
Business Annual Payroll0
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District03
Congressional LandArea49731.77
Delivery Residential0
Delivery Business0
Delivery Total517
Preferred Last Line KeyZ11953
Classification CodeP
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ11953
Land Area212.638000
Water Area0.006000
City Alias Code
City Mixed CaseTowaoc
City Alias Mixed CaseTowaoc
Box Count474
SFDU0
MFDU0
State ANSI08
County ANSI083
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number079000
Unique ZIP Name
SSA State County Code06410
Medicare CBSA Code99906
Medicare CBSA NameRural Areas in CO
Medicare CBSA TypeMicro
Market Rating Area ID9
County Mixed CaseMontezuma

Colorado Homeowners Insurance News & Information

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    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 […]

  • 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 […]

  • 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 […]