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80534 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 80534 zip code find a great new policy that offers the coverage they need at a price they can afford.

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If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 80534 and start shopping.

Quickly and Easily Compare Average Rates for 80534

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Johnstown, CO home insurance quotes in your local city and review the most competitive coverages and premiums.

Average Policy Rates in 80534

Homeowners in Johnstown are paying roughly $1210 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

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80534 Home Insurance Average Premiums

Local 80534 homeowners insurance quotes comparison

$960 /yr.

Shows Zip Code: 80534 lowest rates with discounts applied on average.

For the 80534, 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)		$960 /yr.
Average Coverage:$1210 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1510 /yr.

What is the average home insurance cost for a home in 80534?

  • • The average homeowners insurance premium paid annually for a home in 80534 is around $1210 per year.

What does it cost on average per month for home insurance in 80534?

  • • Homeowners in 80534 pay a monthly average cost per month around $101.00.

What kind of discount could I get if I combine my home and auto insurance together in 80534?

  • • Autoowners in 80534 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 Johnstown area, check out other zip codes nearby 80534.
Review average rates in another zip code:
80534 homeowners insurance rates

Home Replacement Cost Coverage in 80534

Average Building Cost Per Square Foot in 80534: $260

Location: Johnstown, Colorado (Weld County)

Average Square Footage in 80534: 1,614 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 80534 before you start any project. Johnstown 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 80534 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 80534 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,614 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 Johnstown 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$2601,614$419,600
Additional Upgrades & Added Features$3251,614$524,500
Major Home Updates or Advancements$3901,614$629,400

It's important to understand that when you estimate your replacement cost of your home in the 80534 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 80534

Best Home & Auto Insurance Agencies in 80534

Housing Demographics for 80534

Population Review for 80534 Zip Code

For the city of Johnstown, the population within 80534 has increased to over 21,279 residents in population size. The current population total is 18,785. We have broken down the population based on race below. In 80534, there are over 9476 in male population and 9309 females.

PopulationValues
Total Population18,785
White Population15401
Black Population134
Hispanic Population3027
Asian Population284
Hawaiian Population12
Indian Population161
Other Population943
Male Population9476
Female Population9309
Population Estimate21279

Household Data for 80534

The average number of homes in 80534 is around 6,784, there are an average of 2.77 per household. The average house value according to local real estate values is around $419,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode6,784
Persons Per Household2.77
Average House Value$419,600
Income Per Household$110247
Median Age35.9
Median Age Male35.9
Median Age Female36.0
80534 DetailsValues
StateCO
State Full NameColorado
City TypeP
City Alias Abbreviation
Area Code970
CityJohnstown
City Alias NameJOHNSTOWN
CountyWeld
County FIPS123
State FIPS08
Time Zone7
Day Light SavingY
MSA2082
PMSA3060
CSA216
CBSA24540
CBSA_DIV
CBSA_TypeMetro
CBSA_NameGreeley, CO
MSA_NameDenver-Boulder-Greeley, CO CMSA
PMSA_NameGreeley, CO PMSA
RegionWest
DivisionMountain
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses355
Number Of Employees5383
Business First Quarter Payroll60109
Business Annual Payroll279770
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population252825
CBSA Division Population0
Congressional District08
Congressional LandArea0
Delivery Residential7682
Delivery Business280
Delivery Total8189
Preferred Last Line KeyZ11541
Classification Code
Multi-CountyY
CSA NameDenver-Aurora-Greeley, CO
CBSA_DIV_Name
City State KeyZ11541
Land Area48.054000
Water Area0.439000
City Alias Code
City Mixed CaseJohnstown
City Alias Mixed CaseJohnstown
Box Count280
SFDU662
MFDU915
State ANSI08
County ANSI123
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number074932
Unique ZIP Name
SSA State County Code06610
Medicare CBSA Code24540
Medicare CBSA NameGreeley, CO
Medicare CBSA TypeMetro
Market Rating Area ID6
County Mixed CaseWeld

Colorado Homeowners Insurance News & Information

  • Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025

    Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]

  • 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 […]