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80612 Home Insurance Quotes & Rates

Currently, the 236 homes within the 80612 zip code are being challenged with rate increases and the demand for more affordable homeowners insurance premiums. The average home insurance rate for Colorado is around $1,230 per year for a standard HO-3 homeowners policy. A standard homeowners policy in Carr, CO, insures your home from theft, fire, windstorm damage and liability accidents on your property. Flood or earthquake damage is not covered under a basic homeowners policy, we can help you review the best coverage option for your home in 80612.

Colorado is now ranking #7 in the country for the highest premiums. If you are trying to lower your premium and want to compare up to 12 Carr home insurance quotes all in one place then GetHomeInsuranceQuotes.com of Colorado has the online shopping service for you. Our hassle free online quoting application allows homeowners in the 80612 area to review and compare the best rates and coverage options. We can provide a free consultation process to help you decide which carrier, coverage and policy is the best fit for you and your family. We realize that protecting your most valuable investment is very important to you, that is why we want to help you increase your coverage while providing the most affordable rates available. Let us help you shop and compare your Carr, Colorado home insurance rates today!

Please give us a call now at 1-855-976-2656, easily get up to 12 rates over the phone in minutes. For Carr, CO Home Insurance Quotes, start your shopping process to today, it's easy and hassle free!

80612 Home Insurance Average Premiums

Local 80612 homeowners insurance quotes comparison

$980 /yr.

Shows Zip Code: 80612 lowest rates with discounts applied on average.

For the 80612, 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)
$980 /yr.
Average Coverage:$1230 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1530 /yr.

What is the average home insurance cost for a home in 80612?

  • • The average homeowners insurance premium paid annually for a home in 80612 is around $1230 per year.

What does it cost on average per month for home insurance in 80612?

  • • Homeowners in 80612 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 80612?

  • • Autoowners in 80612 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 Carr area, check out other zip codes nearby 80612.
Review average rates in another zip code:
80612 homeowners insurance rates

Home Replacement Cost Coverage in 80612

Average Building Cost Per Square Foot in 80612: $260

Location: Carr, Colorado (Weld County)

Average Square Footage in 80612: 1,367 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 80612 before you start any project. Carr 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 80612 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 80612 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,367 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 Carr 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$2601,367$355,400
Additional Upgrades & Added Features$3251,367$444,250
Major Home Updates or Advancements$3901,367$533,100

It's important to understand that when you estimate your replacement cost of your home in the 80612 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 80612

Best Home & Auto Insurance Agencies in 80612

Housing Demographics for 80612

Population Review for 80612 Zip Code

For the city of Carr, the population within 80612 has increased to over 817 residents in population size. The current population total is 669. We have broken down the population based on race below. In 80612, there are over 346 in male population and 323 females.

PopulationValues
Total Population669
White Population581
Black Population2
Hispanic Population57
Asian Population2
Hawaiian Population1
Indian Population6
Other Population19
Male Population346
Female Population323
Population Estimate817

Household Data for 80612

The average number of homes in 80612 is around 236, there are an average of 2.83 per household. The average house value according to local real estate values is around $355,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode236
Persons Per Household2.83
Average House Value$355,400
Income Per Household$88259
Median Age41.6
Median Age Male39.7
Median Age Female48.1
80612 DetailsValues
StateCO
State Full NameColorado
City TypeP
City Alias Abbreviation
Area Code970
CityCarr
City Alias NameCARR
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 Businesses20
Number Of Employees66
Business First Quarter Payroll1287
Business Annual Payroll5112
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 District02|04
Congressional LandArea7535.34|38102.67
Delivery Residential289
Delivery Business5
Delivery Total307
Preferred Last Line KeyZ11148
Classification Code
Multi-CountyY
CSA NameDenver-Aurora-Greeley, CO
CBSA_DIV_Name
City State KeyZ11148
Land Area269.409000
Water Area0.187000
City Alias Code
City Mixed CaseCarr
City Alias Mixed CaseCarr
Box Count10
SFDU289
MFDU0
State ANSI08
County ANSI123
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number071404
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 […]