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Homeowners Insurance in 80601

In Brighton, CO, our homeowners insurance rates are very competitive in price and coverage options. Many homeowners located in the 80601 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. When you start our quoting process, we will clearly showcase the carriers that we will shop for you. Plus, our home 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. Best of all, you can get up to 12 competitive quotes for your home in 80601 all from one place. Our quoting process is hassle free and we do not spam. If you want to see real savings on your new home insurance policy, let us help you shop online home insurance quotes that are more affordable and have better coverage. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 80601 should appear in the zip code field ready to go.

80601 Homeowners Insurance Rates Are Considered: Very High!

If your looking for a standard homeowners policy in Colorado, you are going to see rates around the average home insurance premium per year of $1273. However, with our online quoting process, we can compare the most competitive rates for you. Plus, our professional advice will allow you to get the most out of your Brighton home insurance by making sure all the risk you may encounter will be covered. Homeowners insurance comes in a variety of different coverage options and we want to get you the best rate but also provide a dependable company and policy that you can stand behind when you need it the most.

Get 80601 Home Insurance Rates Now!

Best 3 Options to Compare in 80601

If you want homeowners insurance quotes within the city of Brighton or in the 80601 area then we can help you compare the most affordable options when it comes to getting a new homeowners insurance policy. Clicking on the link helps you find average home insurance rates in Brighton, CO.

80601 Home Insurance Average Premiums

Local 80601 homeowners insurance quotes comparison

$1023 /yr.

Shows Zip Code: 80601 lowest rates with discounts applied on average.

For the 80601, 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)
$1023 /yr.
Average Coverage:$1273 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1573 /yr.

What is the average home insurance cost for a home in 80601?

  • • The average homeowners insurance premium paid annually for a home in 80601 is around $1273 per year.

What does it cost on average per month for home insurance in 80601?

  • • Homeowners in 80601 pay a monthly average cost per month around $106.00.

What kind of discount could I get if I combine my home and auto insurance together in 80601?

  • • Autoowners in 80601 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 Brighton area, check out other zip codes nearby 80601.
Review average rates in another zip code:
80602 homeowners insurance rates
80601 homeowners insurance rates
80603 homeowners insurance rates

Home Replacement Cost Coverage in 80601

Average Building Cost Per Square Foot in 80601: $260

Location: Brighton, Colorado (Adams County)

Average Square Footage in 80601: 1,415 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 80601 before you start any project. Brighton 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 80601 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 80601 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,415 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 Brighton 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$2601,415$367,800
Additional Upgrades & Added Features$3251,415$459,750
Major Home Updates or Advancements$3901,415$551,700

It's important to understand that when you estimate your replacement cost of your home in the 80601 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 80601

Best Home & Auto Insurance Agencies in 80601

State Farm Insurance

Address: 2700 E Bridge St, #106 Brighton, CO 80601
Phone:
Website: http://www.denver.citysearch.com/profile/external/46273115/brighton_co/state_farm_insurance.html
Info:

Cummings Insurance Agency Inc Nationwide Insurance

Address: 568 E Bridge St Brighton, CO 80601
Phone:
Website:
Info:

Strong's Insurance Agency Inc

Address: 51 S 1st Ave Brighton, CO 80601
Phone:
Website:
Info:

Allstate Auto Insurance

Address: 1295 E Bridge St Brighton, CO 80601
Phone:
Website:
Info:

American Family Insurance- James Hood A Agency Incorporated

Address: 70 N 4th Ave Brighton, CO 80601
Phone:
Website: http://www.denver.citysearch.com/profile/external/33010881/brighton_co/american_family_insurance_james_hood_a_agency_inc.html
Info:

Housing Demographics for 80601

Population Review for 80601 Zip Code

For the city of Brighton, the population within 80601 has increased to over 44,781 residents in population size. The current population total is 40,460. We have broken down the population based on race below. In 80601, there are over 20331 in male population and 20129 females.

PopulationValues
Total Population40,460
White Population24584
Black Population630
Hispanic Population17138
Asian Population792
Hawaiian Population98
Indian Population803
Other Population6225
Male Population20331
Female Population20129
Population Estimate44781

Household Data for 80601

The average number of homes in 80601 is around 13,386, there are an average of 2.96 per household. The average house value according to local real estate values is around $367,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode13,386
Persons Per Household2.96
Average House Value$367,800
Income Per Household$79216
Median Age34.0
Median Age Male33.1
Median Age Female35.0
80601 DetailsValues
StateCO
State Full NameColorado
City TypeP
City Alias Abbreviation
Area Code720/303
CityBrighton
City Alias NameBRIGHTON
CountyAdams
County FIPS001
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 Businesses826
Number Of Employees10361
Business First Quarter Payroll109853
Business Annual Payroll480971
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population2543482
CBSA Division Population0
Congressional District08
Congressional LandArea0
Delivery Residential15129
Delivery Business921
Delivery Total16626
Preferred Last Line KeyZ11116
Classification Code
Multi-County
CSA NameDenver-Aurora-Greeley, CO
CBSA_DIV_Name
City State KeyZ11116
Land Area26.194000
Water Area0.638000
City Alias Code
City Mixed CaseBrighton
City Alias Mixed CaseBrighton
Box Count518
SFDU8476
MFDU2560
State ANSI08
County ANSI001
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number071044
Unique ZIP Name
SSA State County Code06000
Medicare CBSA Code19740
Medicare CBSA NameDenver-Aurora-Lakewood, CO
Medicare CBSA TypeMetro
Market Rating Area ID3
County Mixed CaseAdams

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 […]