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Home Insurance Rates in 81631
For homeowners shopping online in 81631, our insurance rates are very competitive for homeowners living in Eagle, CO. Many homeowners based out of the great city of Eagle have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Colorado licensed agents can provide a free consultation service to you that allows you to ask questions about which rates and coverage options are best suited for you and your family. To get free home insurance quotes in 81631, simply click the "Get Multiple Quotes Now" button. Your 81631 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. Eagle, CO Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.
81631 Home Insurance Rating is: Very High!
If you live in 81631, you can easily save up to 40% off the average home insurance premium of $1291 a year by letting us help you compare the best rate and coverage option for your home. We can compare up to 12 major top rated home insurance companies all at once. We also will do a professional analysis to determine which coverage is best suited to cover the risk that you need. Home insurance in Eagle can come in a variety of different packages, it's important to understand which homeowners policy is best. Let us help you compare home insurance rates in 81631 today!
81631 Home Insurance Average Premiums
$1041 /yr.
Shows Zip Code: 81631 lowest rates with discounts applied on average.
For the 81631, 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) | $1041 /yr. |
| Average Coverage: | $1291 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1591 /yr. |
What is the average home insurance cost for a home in 81631?
- • The average homeowners insurance premium paid annually for a home in 81631 is around $1291 per year.
What does it cost on average per month for home insurance in 81631?
- • Homeowners in 81631 pay a monthly average cost per month around $108.00.
What kind of discount could I get if I combine my home and auto insurance together in 81631?
- • Autoowners in 81631 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 Eagle, check out other zip codes nearby 81631.
To review average rates in another zip code, click on a zip code below:
81631 |
Home Replacement Cost Coverage in 81631
Average Building Cost Per Square Foot in 81631: $260
Location: Eagle, Colorado (Eagle County)Average Square Footage in 81631: 2,458 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 81631 before you start any project. Eagle 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 81631 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 81631 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,458 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 Eagle 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 | 2,458 | $639,100 |
| Additional Upgrades & Added Features | $325 | 2,458 | $798,875 |
| Major Home Updates or Advancements | $390 | 2,458 | $958,650 |
It's important to understand that when you estimate your replacement cost of your home in the 81631 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 81631
Scs/G&M Insurance Agency
Address: PO Box 296 Eagle, CO 81631Phone: (970)328-6330
Website:
Best Home & Auto Insurance Agencies in 81631
Farmers Insurance
Address: 401 Sawatch Rd Eagle, CO 81631Phone:
Website:
Info:
Scs/G&M Insurance Agency
Address: PO Box 296 Eagle, CO 81631Phone:
Website:
Info:
Housing Demographics for 81631
Population Review for 81631 Zip Code
For the city of Eagle, the population within 81631 has increased to over 2 residents in population size. The current population total is 9,017. We have broken down the population based on race below. In 81631, there are over 4622 in male population and 4395 females.
| Population | Values |
|---|---|
| Total Population | 9,017 |
| White Population | 7597 |
| Black Population | 40 |
| Hispanic Population | 1670 |
| Asian Population | 53 |
| Hawaiian Population | 0 |
| Indian Population | 60 |
| Other Population | 470 |
| Male Population | 4622 |
| Female Population | 4395 |
| Population Estimate | 2 |
Household Data for 81631
The average number of homes in 81631 is around 3,093, there are an average of 2.89 per household. The average house value according to local real estate values is around $639,100. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 3,093 |
| Persons Per Household | 2.89 |
| Average House Value | $639,100 |
| Income Per Household | $94818 |
| Median Age | 38.9 |
| Median Age Male | 38.2 |
| Median Age Female | 39.4 |
| 81631 Details | Values |
|---|---|
| State | CO |
| State Full Name | Colorado |
| City Type | Z |
| City Alias Abbreviation | |
| Area Code | 970 |
| City | Eagle |
| City Alias Name | EAGLE |
| County | Eagle |
| County FIPS | 037 |
| State FIPS | 08 |
| Time Zone | 7 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | 233 |
| CBSA | 20780 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Edwards, CO |
| MSA_Name | |
| PMSA_Name | |
| Region | West |
| Division | Mountain |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 566 |
| Number Of Employees | 3060 |
| Business First Quarter Payroll | 35992 |
| Business Annual Payroll | 169095 |
| 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 | 59507 |
| CBSA Division Population | 0 |
| Congressional District | 02|03 |
| Congressional LandArea | 7535.34|49731.77 |
| Delivery Residential | 1 |
| Delivery Business | 2 |
| Delivery Total | 4239 |
| Preferred Last Line Key | Z11332 |
| Classification Code | P |
| Multi-County | |
| CSA Name | Edwards-Rifle, CO |
| CBSA_DIV_Name | |
| City State Key | Z11332 |
| Land Area | 220.410000 |
| Water Area | 0.551000 |
| City Alias Code | |
| City Mixed Case | Eagle |
| City Alias Mixed Case | Eagle |
| Box Count | 3386 |
| SFDU | 1 |
| MFDU | 0 |
| State ANSI | 08 |
| County ANSI | 037 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 072610 |
| Unique ZIP Name | |
| SSA State County Code | 06180 |
| Medicare CBSA Code | 99906 |
| Medicare CBSA Name | Rural Areas in CO |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 9 |
| County Mixed Case | Eagle |
Colorado Homeowners Insurance News & Information
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What causes North Carolina home insurance to go up? Posted on Monday 7th July, 2025
A homeowner in North Carolina was greeted with a nasty surprise this year, a 41% increase in his insurance premium. On average, homeowners in North Carolina saw a rate jump of 7.5% on June 1st due to a settlement reached by the North Carolina Department of Insurance but this certainly doesn’t explain a 41% increase. Doug Corkhill is […]
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Is the U.S. Home Buying Market Going to Drop in 2025? Posted on Friday 4th July, 2025
A recent report from the Harvard Joint Center for Housing Studies found that U.S. homebuying has dropped to its lowest levels since the mid-1990s. The report, The State of the Nation’s Housing 2025 blames record high real estate prices combined with higher interests for the drop in home sales. While high home prices and elevated interest rates […]
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Florida Homeowners Are Concerned About Property Insurance Crisis Posted on Tuesday 1st July, 2025
Insurance rates are rising at unprecedented rates, causing millions of people to struggle with the new premiums. In the last three years, insurance rates have doubled in some areas. Homeowners fear for their houses while their representatives in Congress struggle to help. Insurers are pulling out of states like Florida as damaging hurricanes and powerful […]