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81526 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 81526 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 Palisade, CO quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 81526.

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 81526 and start shopping.

Quickly and Easily Compare Average Rates for 81526

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

Average Policy Rates in 81526

Homeowners in Palisade are paying roughly $1216 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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81526 Home Insurance Average Premiums

Local 81526 homeowners insurance quotes comparison

$966 /yr.

Shows Zip Code: 81526 lowest rates with discounts applied on average.

For the 81526, 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)		$966 /yr.
Average Coverage:$1216 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1516 /yr.

What is the average home insurance cost for a home in 81526?

  • • The average homeowners insurance premium paid annually for a home in 81526 is around $1216 per year.

What does it cost on average per month for home insurance in 81526?

  • • Homeowners in 81526 pay a monthly average cost per month around $101.00.

What kind of discount could I get if I combine my home and auto insurance together in 81526?

  • • Autoowners in 81526 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 Palisade, check out other zip codes nearby 81526.
To review average rates in another zip code, click on a zip code below:
81526  | 

Home Replacement Cost Coverage in 81526

Average Building Cost Per Square Foot in 81526: $260

Location: Palisade, Colorado (Mesa County)

Average Square Footage in 81526: 1,351 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 81526 before you start any project. Palisade 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 81526 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 81526 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,351 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 Palisade 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$2601,351$351,300
Additional Upgrades & Added Features$3251,351$439,125
Major Home Updates or Advancements$3901,351$526,950

It's important to understand that when you estimate your replacement cost of your home in the 81526 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 81526

Best Home & Auto Insurance Agencies in 81526

Housing Demographics for 81526

Population Review for 81526 Zip Code

For the city of Palisade, the population within 81526 has increased to over 4,666 residents in population size. The current population total is 5,216. We have broken down the population based on race below. In 81526, there are over 2689 in male population and 2527 females.

PopulationValues
Total Population5,216
White Population4445
Black Population15
Hispanic Population583
Asian Population40
Hawaiian Population3
Indian Population50
Other Population238
Male Population2689
Female Population2527
Population Estimate4666

Household Data for 81526

The average number of homes in 81526 is around 2,283, there are an average of 2.25 per household. The average house value according to local real estate values is around $351,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,283
Persons Per Household2.25
Average House Value$351,300
Income Per Household$73036
Median Age48.8
Median Age Male46.4
Median Age Female51.3
81526 DetailsValues
StateCO
State Full NameColorado
City TypeP
City Alias Abbreviation
Area Code970
CityPalisade
City Alias NamePALISADE
CountyMesa
County FIPS077
State FIPS08
Time Zone7
Day Light SavingY
MSA2995
PMSA
CSA
CBSA24300
CBSA_DIV
CBSA_TypeMetro
CBSA_NameGrand Junction, CO
MSA_NameGrand Junction, CO MSA
PMSA_Name
RegionWest
DivisionMountain
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses160
Number Of Employees1027
Business First Quarter Payroll7086
Business Annual Payroll34876
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population146723
CBSA Division Population0
Congressional District03
Congressional LandArea49731.77
Delivery Residential2074
Delivery Business63
Delivery Total2909
Preferred Last Line KeyZ11728
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ11728
Land Area72.365000
Water Area0.608000
City Alias Code
City Mixed CasePalisade
City Alias Mixed CasePalisade
Box Count534
SFDU1253
MFDU18
State ANSI08
County ANSI077
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number076912
Unique ZIP Name
SSA State County Code06380
Medicare CBSA Code24300
Medicare CBSA NameGrand Junction, CO
Medicare CBSA TypeMetro
Market Rating Area ID5
County Mixed CaseMesa

Colorado Homeowners Insurance News & Information

  • Affordable Home Insurance Is Getting Very Hard to Find Posted on Tuesday 6th May, 2025

    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.  […]