80521 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 80521? There are over 12,987 occupied homes in the 80521 area. With a population size of 37,451, it's not uncommon for residence of Fort Collins, CO to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Colorado is around $1,231 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 80521 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Fort Collins, CO Home Insurance Rate Quotes

Average Building Cost Per Square Foot in 80521: $260

Average Square Footage in 80521: 1,642 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 80521 before you start any project. Fort Collins 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 80521 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 80521 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,642 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 Fort Collins 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 80521 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.

Daryl Alexander Ins Agcy Inc - State Farm Insurance Agent

New York Life Insurance Company - Sales Office

Shelter Insurance

Farmers Insurance & Financial Services

Allstate Insurance Companies

Household Data for 80521

The average number of homes in 80521 is around 12,987, there are an average of 2.27 per household. The average house value according to local real estate values is around $426,900. Please review the following demographics below for average income and media age.

• 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 […]

• $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

  According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]