Home Insurance in 81650

One of the best ways to save money on your homeowners insurance policy in the 81650 zip code is to shop your coverage on a regular basis. If your premium has been headed up in the last few years, we can help you find a great policy from the comfort of your own living room.

GetHomeInsuranceQuotes.com is the easiest way to shop for competitive homeowners insurance rates in in Rifle, CO. A few clicks of the mouse and we will show you quotes from up to 12 nationwide carriers who are happy to compete for your business.

As always, our service is free and our Colorado licensed agents can advise you on the coverages you need as well as the coverage levels you should be carrying to fully protect your property and possessions. They will also be happy to answer any questions you may have and explain the details of your homeowners insurance coverage.

Getting started is easy, simply click on the "Get Multiple Quotes Now" button at the top of the page, verify your 81650 zip code and you are ready to start saving on home insurance.

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Find Rifle, CO Homeowners Insurance Quotes to review the best coverage options in your area.

Information on the Average Homeowners Premiums in 81650

According to industry data, homeowners located in Rifle pay roughly $1217 per year for a HO-3 homeowners policy. A HO-3 policy is considered the standard when it comes to homeowners insurance. It offers protection for your home, possessions, loss of use as well as liability protection. If you have a mortgage on your property, your lender will require an HO-3 policy is in place to protect their loan.

Remember, an HO-3 policy does not offer coverage for flood damage in 81650 zip code. If you live in a high-risk area for flood damage, your lender will most likely require that you carry a separate flood insurance policy. Our agents can help you determine if you need flood insurance coverage and help you find a policy that fully protects your property.

A recent ranking of Colorado home insurance premiums found that premiums in 81650 are 7 when compared to other state averages. Shopping your coverage on a regular basis is the best way to ensure you are getting the best price on a homeowners policy.

Start Shopping 81650 Home Insurance Quotes Right Now!

The best part of our job is helping homeowners save money on their homeowners insurance while also educating our clients on the different types of coverage available to them in 81650.

Let us find you a great policy at an affordable price, get 81650 homeowners insurance quotes now.

Average Building Cost Per Square Foot in 81650: $260

Average Square Footage in 81650: 1,159 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 81650 before you start any project. Rifle 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 81650 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 81650 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,159 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 Rifle 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.

It's important to understand that when you estimate your replacement cost of your home in the 81650 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.

GIA Group LLC/Rifle Insurance

Allstate Insurance Companies

American Family Insurance- Pearson, George W

Allstate Insurance Agency

Canyon Insurance & Financial Services LLC

GIA Group LLC/Rifle Insurance

Household Data for 81650

The average number of homes in 81650 is around 4,814, there are an average of 2.89 per household. The average house value according to local real estate values is around $301,400. Please review the following demographics below for average income and media age.

• 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 […]

• Compare 2025 Homeowners Insurance Rates in Every State Posted on Thursday 24th July, 2025

  According to a recent study by Insurify, homeowners in every state will be paying more for insurance coverage by the end of the year.  The study found that climate change fueled natural disaster are the main cause of ever-increasing homeowner premiums. Wildfires out west, hailstorms in the Midwest and hurricanes and flooding in the South […]