Get multiple home insurance quotes in 80236. Our licensed 80236, CO agents are ready to serve you.

Home Insurance in 80236

One of the best ways to save money on your homeowners insurance policy in the 80236 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 Denver, 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 80236 zip code and you are ready to start saving on home insurance.

Quickly Compare Rate Quotes for 80236

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

Information on the Average Homeowners Premiums in 80236

According to industry data, homeowners located in Denver pay roughly $1249 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 80236 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 80236 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 80236 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 80236.

Let us find you a great policy at an affordable price, get 80236 homeowners insurance quotes now.

80236 Home Insurance Average Premiums

Local 80236 homeowners insurance quotes comparison

$999 /yr.

Shows Zip Code: 80236 lowest rates with discounts applied on average.

For the 80236, 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)
$999 /yr.
Average Coverage:$1249 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1549 /yr.

What is the average home insurance cost for a home in 80236?

  • • The average homeowners insurance premium paid annually for a home in 80236 is around $1249 per year.

What does it cost on average per month for home insurance in 80236?

  • • Homeowners in 80236 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 80236?

  • • Autoowners in 80236 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 80236.
Review average rates in another zip code:
80222 homeowners insurance rates
80234 homeowners insurance rates
80210 homeowners insurance rates
80237 homeowners insurance rates
80203 homeowners insurance rates
80249 homeowners insurance rates
80216 homeowners insurance rates
80238 homeowners insurance rates
80215 homeowners insurance rates
80218 homeowners insurance rates

Home Replacement Cost Coverage in 80236

Average Building Cost Per Square Foot in 80236: $260

Location: Denver, Colorado (Denver County)

Average Square Footage in 80236: 1,514 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 80236 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 80236 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 80236 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,514 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 StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$2601,514$393,700
Additional Upgrades & Added Features$3251,514$492,125
Major Home Updates or Advancements$3901,514$590,550

It's important to understand that when you estimate your replacement cost of your home in the 80236 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 80236

Best Home & Auto Insurance Agencies in 80236

Housing Demographics for 80236

Population Review for 80236 Zip Code

For the city of Denver, the population within 80236 has increased to over 16,215 residents in population size. The current population total is 16,565. We have broken down the population based on race below. In 80236, there are over 8355 in male population and 8210 females.

PopulationValues
Total Population16,565
White Population8843
Black Population458
Hispanic Population7408
Asian Population999
Hawaiian Population18
Indian Population326
Other Population2839
Male Population8355
Female Population8210
Population Estimate16215

Household Data for 80236

The average number of homes in 80236 is around 6,043, there are an average of 2.65 per household. The average house value according to local real estate values is around $393,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode6,043
Persons Per Household2.65
Average House Value$393,700
Income Per Household$74487
Median Age37.2
Median Age Male36.3
Median Age Female38.0
80236 DetailsValues
StateCO
State Full NameColorado
City TypeP
City Alias Abbreviation
Area Code303/720
CityDenver
City Alias NameDENVER
CountyDenver
County FIPS031
State FIPS08
Time Zone7
Day Light SavingY
MSA2082
PMSA2080
CSA216
CBSA19740
CBSA_DIV
CBSA_TypeMetro
CBSA_NameDenver-Aurora-Centennial, CO
MSA_NameDenver-Boulder-Greeley, CO CMSA
PMSA_NameDenver, CO PMSA
RegionWest
DivisionMountain
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses137
Number Of Employees1057
Business First Quarter Payroll11704
Business Annual Payroll48694
Business Employment Flag
Growth Rank41
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number19960
Growth Increase Percentage3.3
Metropolitan DetailsValues
CBSA Population2543482
CBSA Division Population0
Congressional District01|06
Congressional LandArea189.62|474.66
Delivery Residential6119
Delivery Business102
Delivery Total6675
Preferred Last Line KeyZ11306
Classification Code
Multi-CountyY
CSA NameDenver-Aurora-Greeley, CO
CBSA_DIV_Name
City State KeyZ11306
Land Area3.212000
Water Area0.000000
City Alias Code
City Mixed CaseDenver
City Alias Mixed CaseDenver
Box Count158
SFDU3794
MFDU1587
State ANSI08
County ANSI031
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number072358
Unique ZIP Name
SSA State County Code06150
Medicare CBSA Code19740
Medicare CBSA NameDenver-Aurora-Lakewood, CO
Medicare CBSA TypeMetro
Market Rating Area ID3
County Mixed CaseDenver

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 […]