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If you live in the 80204 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of Denver have saved hundreds of dollars on their annual premium when using GetHomeInsuranceQuotes.com.

Our service is always free and we not only find a great policy for you, our CO licensed agents will provide you with a free consultation to discuss your coverage needs and answer any questions you may have regarding policy coverages or rates.

It is easy to start shopping for a new policy, just click on the "Get Multiple Quotes Now" button below, confirm your 80204 and then compare quotes from a variety of nationwide insurance companies.

80204 Average Homeowners Insurance Rates

If you are shopping for a HO-3 policy, which is considered the standard when it comes to homeowners insurance, we can help. In 80204 the average premium for homeowners coverage is $1289 which compares very well to the national average of $1,249.

Our site makes it easy for you to find the insurer that offers the best coverage at the best rate in 80204. We are happy to answer any questions you may have and explain the different type of coverage while helping you determine what coverage levels are best for your family.

Get Free Home Insurance Quotes in 80204 Today!

We can help you find up to 12 homeowners insurance quotes quickly and from the comfort of your own home. In addition, we can do a discount review to make sure you are getting all available discounts on your policy.

Click to review the best Denver, CO home insurance quotes in your area.

80204 Home Insurance Average Premiums

Local 80204 homeowners insurance quotes comparison

$1039 /yr.

Shows Zip Code: 80204 lowest rates with discounts applied on average.

For the 80204, 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)	$1039 /yr.
Average Coverage:	$1289 /yr.
2600 sq. ft. or higher (all discounts applied)	$1589 /yr.

What is the average home insurance cost for a home in 80204?

• The average homeowners insurance premium paid annually for a home in 80204 is around $1289 per year.

What does it cost on average per month for home insurance in 80204?

• Homeowners in 80204 pay a monthly average cost per month around $107.00.

What kind of discount could I get if I combine my home and auto insurance together in 80204?

• Autoowners in 80204 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.

For shopping home insurance rates within the Denver area, check out other zip codes nearby 80204.
Review average rates in another zip code:
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Home Replacement Cost Coverage in 80204

Average Building Cost Per Square Foot in 80204: $260

Location: Denver, Colorado (Denver County)

Average Square Footage in 80204: 1,718 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 80204 before you start any project. Denver 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 80204 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 80204 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,718 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 Denver 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	1,718	$446,700
Additional Upgrades & Added Features	$325	1,718	$558,375
Major Home Updates or Advancements	$390	1,718	$670,050

Calculate Your Dwelling Coverage in 80204

It's important to understand that when you estimate your replacement cost of your home in the 80204 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 Home & Auto Insurance Agencies in 80204

National Insurance Center

Address: 3708 W Colfax Ave Denver, CO 80204
Phone:
Website:
Info:

American Family Insurance- Amaro, Jose

Address: 800 W 8th Ave Denver, CO 80204
Phone:
Website: http://www.denver.citysearch.com/profile/external/41249909/denver_co/american_family_insurance_amaro_jose.html
Info:

Underwood, Heather - State Farm Insurance Agent

Address: 1391 Speer Blvd Denver, CO 80204
Phone:
Website: http://www.denver.citysearch.com/profile/external/46273064/denver_co/underwood_heather_state_farm_insurance_agent.html
Info:

Amaro, Jose - American Family Insurance

Address: 800 W 8th Ave, #104 Denver, CO 80204
Phone:
Website: http://www.insurance-agency.amfam.com/CO/jose-luis-amaro/default.aspx?tid=agp0001025870
Info:

Martinez Ron Insurance

Address: 1355 Santa Fe Dr Denver, CO 80204
Phone:
Website:
Info:

Housing Demographics for 80204

Population Review for 80204 Zip Code

For the city of Denver, the population within 80204 has increased to over 41,430 residents in population size. The current population total is 35,269. We have broken down the population based on race below. In 80204, there are over 18801 in male population and 16468 females.

Population	Values
Total Population	35,269
White Population	19492
Black Population	2701
Hispanic Population	14149
Asian Population	908
Hawaiian Population	52
Indian Population	1019
Other Population	5588
Male Population	18801
Female Population	16468
Population Estimate	41430

Household Data for 80204

The average number of homes in 80204 is around 15,565, there are an average of 2.18 per household. The average house value according to local real estate values is around $446,700. Please review the following demographics below for average income and media age.

Housing / Income Data	Values
Households Per Zipcode	15,565
Persons Per Household	2.18
Average House Value	$446,700
Income Per Household	$67255
Median Age	31.9
Median Age Male	32.2
Median Age Female	31.7

80204 Details	Values
State	CO
State Full Name	Colorado
City Type	P
City Alias Abbreviation
Area Code	720/303/983
City	Denver
City Alias Name	DENVER
County	Denver
County FIPS	031
State FIPS	08
Time Zone	7
Day Light Saving	Y
MSA	2082
PMSA	2080
CSA	216
CBSA	19740
CBSA_DIV
CBSA_Type	Metro
CBSA_Name	Denver-Aurora-Centennial, CO
MSA_Name	Denver-Boulder-Greeley, CO CMSA
PMSA_Name	Denver, CO PMSA
Region	West
Division	Mountain
MailingName	Y

Economic & Growth Review	Values
Number Of Businesses	1430
Number Of Employees	26286
Business First Quarter Payroll	508802
Business Annual Payroll	2057678
Business Employment Flag
Growth Rank	41
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number	19960
Growth Increase Percentage	3.3

Metropolitan Details	Values
CBSA Population	2543482
CBSA Division Population	0
Congressional District	01
Congressional LandArea	189.62
Delivery Residential	19005
Delivery Business	1600
Delivery Total	21547
Preferred Last Line Key	Z11306
Classification Code
Multi-County
CSA Name	Denver-Aurora-Greeley, CO
CBSA_DIV_Name
City State Key	Z11306
Land Area	5.481000
Water Area	0.000000
City Alias Code
City Mixed Case	Denver
City Alias Mixed Case	Denver
Box Count	280
SFDU	6893
MFDU	10095
State ANSI	08
County ANSI	031
ZIP Intro
Alias Intro
Facility Code	P
City Delivery Indicator	Y
Carrier Route Rate Sortation	D
Finance Number	072358
Unique ZIP Name
SSA State County Code	06150
Medicare CBSA Code	19740
Medicare CBSA Name	Denver-Aurora-Lakewood, CO
Medicare CBSA Type	Metro
Market Rating Area ID	3
County Mixed Case	Denver

Colorado Homeowners Insurance News & Information

Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024
Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies. Here are some common exclusions that could leave you […]
2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024
According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges. Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]
What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024
A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly. The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

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