Get multiple home insurance quotes in 80549. Our licensed 80549, CO agents are ready to serve you.

80549 Homeowners Insurance Rate Quotes

Are you shopping for homeowners insurance quotes in 80549? Our rates are very competitive for homeowners living in Wellington, CO. Many homeowners based out of your 80549 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our homeowners insurance quotes are free and our Colorado licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 80549 should appear in the zip code field ready to go. For Wellington, CO Home Insurance Rate Quotes click to review the best rates and service online!

80549 Average Premium is Rated: Very High!

Homeowners living in 80549 can easily save up to 40% off the average home insurance premium of $1239 a year by comparing rates with us at GetHomeInsuranceQuotes.com. You don't have to do the research to find the best company, rate and coverage options. We have already done this for you. We have 12 major carriers in Wellington that are all very competitive and have the best rate and coverage option available. All you need to do is request quotes online for zip code 80549 and we will help you compare prices and apply all available discounts. If you want savings and also need help deciding which policy is best for you, than let us help you compare multiple rates today!

Get Multiple Home Insurance Rates in 80549!

80549 Home Insurance Average Premiums

Local 80549 homeowners insurance quotes comparison

$989 /yr.

Shows Zip Code: 80549 lowest rates with discounts applied on average.

For the 80549, 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)
$989 /yr.
Average Coverage:$1239 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1539 /yr.

What is the average home insurance cost for a home in 80549?

  • • The average homeowners insurance premium paid annually for a home in 80549 is around $1239 per year.

What does it cost on average per month for home insurance in 80549?

  • • Homeowners in 80549 pay a monthly average cost per month around $103.00.

What kind of discount could I get if I combine my home and auto insurance together in 80549?

  • • Autoowners in 80549 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 Wellington area, check out other zip codes nearby 80549.
Review average rates in another zip code:
80549 homeowners insurance rates

Home Replacement Cost Coverage in 80549

Average Building Cost Per Square Foot in 80549: $260

Location: Wellington, Colorado (Larimer County)

Average Square Footage in 80549: 1,377 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 80549 before you start any project. Wellington 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 80549 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 80549 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,377 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 Wellington 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$2601,377$358,000
Additional Upgrades & Added Features$3251,377$447,500
Major Home Updates or Advancements$3901,377$537,000

It's important to understand that when you estimate your replacement cost of your home in the 80549 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 80549

Best Home & Auto Insurance Agencies in 80549

Housing Demographics for 80549

Population Review for 80549 Zip Code

For the city of Wellington, the population within 80549 has increased to over 13,015 residents in population size. The current population total is 13,530. We have broken down the population based on race below. In 80549, there are over 6844 in male population and 6686 females.

PopulationValues
Total Population13,530
White Population11146
Black Population97
Hispanic Population1893
Asian Population86
Hawaiian Population14
Indian Population67
Other Population524
Male Population6844
Female Population6686
Population Estimate13015

Household Data for 80549

The average number of homes in 80549 is around 4,717, there are an average of 2.86 per household. The average house value according to local real estate values is around $358,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode4,717
Persons Per Household2.86
Average House Value$358,000
Income Per Household$93652
Median Age34.5
Median Age Male34.4
Median Age Female34.6
80549 DetailsValues
StateCO
State Full NameColorado
City TypeP
City Alias Abbreviation
Area Code970
CityWellington
City Alias NameWELLINGTON
CountyLarimer
County FIPS069
State FIPS08
Time Zone7
Day Light SavingY
MSA2670
PMSA
CSA
CBSA22660
CBSA_DIV
CBSA_TypeMetro
CBSA_NameFort Collins-Loveland, CO
MSA_NameFort Collins-Loveland, CO MSA
PMSA_Name
RegionWest
DivisionMountain
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses257
Number Of Employees1392
Business First Quarter Payroll13163
Business Annual Payroll58999
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population299630
CBSA Division Population0
Congressional District02|04
Congressional LandArea7535.34|38102.67
Delivery Residential4551
Delivery Business54
Delivery Total8959
Preferred Last Line KeyZ12009
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyZ12009
Land Area187.113000
Water Area3.711000
City Alias Code
City Mixed CaseWellington
City Alias Mixed CaseWellington
Box Count985
SFDU1289
MFDU149
State ANSI08
County ANSI069
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number079522
Unique ZIP Name
SSA State County Code06340
Medicare CBSA Code22660
Medicare CBSA NameFort Collins, CO
Medicare CBSA TypeMetro
Market Rating Area ID4
County Mixed CaseLarimer

Colorado Homeowners Insurance News & Information

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    While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future.  According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]

  • 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 […]