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80615 Homeowners Insurance Quotes & Rates

Eaton residents living within the 3,411 homes available in the zip code of 80615 are shopping online to compare cheaper and more affordable Eaton, CO home insurance rates. In the great city of Eaton, homeowners like you want to find less expensive coverage since the home insurance rates have increased. Currently, the average home insurance rate within the state of Colorado is around $1,276 per year. These average rates are based on a standard or basic homeowner policy that covers your home for risk of fire, theft or liability issues if someone was to be injured on your property. We can provide enhanced coverage options to give you that added protection that you need for your home in the 80615 zip code.

With our online home insurance quoting application and excellent review service, we can help you save up to 40% or more on your next homeowners policy. We will shop up to 12 competitive home insurance rates, review all the coverage options available and propose any discounts or credits that may be available to you. Each home insurance company is different and likes to generate rates based on a number of different risk factors when it comes to insuring your home. We will be able to explain which home insurance company is best for you based on the coverage details, rate affordability and claim dependability.

Let us help you shop and compare your 80615 home insurance rates today! Please give us a call now at 1-855-976-2656. For Eaton, CO Homeowners Insurance Quotes, Click to easily get started!

80615 Home Insurance Average Premiums

Local 80615 homeowners insurance quotes comparison

$1026 /yr.

Shows Zip Code: 80615 lowest rates with discounts applied on average.

For the 80615, 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)
$1026 /yr.
Average Coverage:$1276 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1576 /yr.

What is the average home insurance cost for a home in 80615?

  • • The average homeowners insurance premium paid annually for a home in 80615 is around $1276 per year.

What does it cost on average per month for home insurance in 80615?

  • • Homeowners in 80615 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 80615?

  • • Autoowners in 80615 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 Eaton area, check out other zip codes nearby 80615.
Review average rates in another zip code:
80615 homeowners insurance rates

Home Replacement Cost Coverage in 80615

Average Building Cost Per Square Foot in 80615: $260

Location: Eaton, Colorado (Weld County)

Average Square Footage in 80615: 1,547 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 80615 before you start any project. Eaton 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 80615 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 80615 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,547 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 Eaton 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$2601,547$402,100
Additional Upgrades & Added Features$3251,547$502,625
Major Home Updates or Advancements$3901,547$603,150

It's important to understand that when you estimate your replacement cost of your home in the 80615 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 80615

Best Home & Auto Insurance Agencies in 80615

Brown- Stanley L - State Farm Insurance Agent

Address: 360 Oak Ave, #150 Eaton, CO 80615
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Heaton, Casey - American Family Insurance

Address: 216 1st Street #1 Eaton, CO 80615
Phone:
Website: http://www.insurance-agency.amfam.com/CO/casey-heaton/default.aspx?tid=agp0001025786
Info:

John A Sutter Agency Farmers Insurance Group

Address: 55 South Elm Avenue #120 Eaton, CO 80615
Phone:
Website: http://www.eatonautoinsurance.com/
Info:

American Family Insurance

Address: 216 1st Street Eaton, CO 80615
Phone:
Website: http://www.amfam.com/
Info:

Housing Demographics for 80615

Population Review for 80615 Zip Code

For the city of Eaton, the population within 80615 has increased to over 9,838 residents in population size. The current population total is 9,486. We have broken down the population based on race below. In 80615, there are over 4763 in male population and 4723 females.

PopulationValues
Total Population9,486
White Population7820
Black Population39
Hispanic Population1641
Asian Population77
Hawaiian Population18
Indian Population51
Other Population493
Male Population4763
Female Population4723
Population Estimate9838

Household Data for 80615

The average number of homes in 80615 is around 3,411, there are an average of 2.78 per household. The average house value according to local real estate values is around $402,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode3,411
Persons Per Household2.78
Average House Value$402,100
Income Per Household$92961
Median Age38.1
Median Age Male37.4
Median Age Female38.8
80615 DetailsValues
StateCO
State Full NameColorado
City TypeP
City Alias Abbreviation
Area Code970
CityEaton
City Alias NameEATON
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 Businesses205
Number Of Employees1484
Business First Quarter Payroll14709
Business Annual Payroll67718
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 District04|08
Congressional LandArea38102.67|0
Delivery Residential3539
Delivery Business148
Delivery Total3941
Preferred Last Line KeyZ11340
Classification Code
Multi-County
CSA NameDenver-Aurora-Greeley, CO
CBSA_DIV_Name
City State KeyZ11340
Land Area105.853000
Water Area1.028000
City Alias Code
City Mixed CaseEaton
City Alias Mixed CaseEaton
Box Count171
SFDU1906
MFDU78
State ANSI08
County ANSI123
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number072664
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 […]