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Compare 80816 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Florissant just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 2,657 neighbors looking to save on their home insurance policy in the local 80816 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 80816. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Colorado rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Florissant, CO home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Florissant, CO

80816 Home Insurance Average Premiums

Local 80816 homeowners insurance quotes comparison

$990 /yr.

Shows Zip Code: 80816 lowest rates with discounts applied on average.

For the 80816, 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)		$990 /yr.
Average Coverage:$1240 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1540 /yr.

What is the average home insurance cost for a home in 80816?

  • • The average homeowners insurance premium paid annually for a home in 80816 is around $1240 per year.

What does it cost on average per month for home insurance in 80816?

  • • Homeowners in 80816 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 80816?

  • • Autoowners in 80816 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 Florissant area, check out other zip codes nearby 80816.
Review average rates in another zip code:
80816 homeowners insurance rates

Home Replacement Cost Coverage in 80816

Average Building Cost Per Square Foot in 80816: $260

Location: Florissant, Colorado (Teller County)

Average Square Footage in 80816: 1,102 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 80816 before you start any project. Florissant 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 80816 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 80816 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,102 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 Florissant 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$2601,102$286,600
Additional Upgrades & Added Features$3251,102$358,250
Major Home Updates or Advancements$3901,102$429,900

It's important to understand that when you estimate your replacement cost of your home in the 80816 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 80816

Best Home & Auto Insurance Agencies in 80816

Housing Demographics for 80816

Population Review for 80816 Zip Code

For the city of Florissant, the population within 80816 has increased to over 6,468 residents in population size. The current population total is 5,794. We have broken down the population based on race below. In 80816, there are over 2982 in male population and 2812 females.

PopulationValues
Total Population5,794
White Population5104
Black Population21
Hispanic Population380
Asian Population34
Hawaiian Population2
Indian Population60
Other Population89
Male Population2982
Female Population2812
Population Estimate6468

Household Data for 80816

The average number of homes in 80816 is around 2,657, there are an average of 2.18 per household. The average house value according to local real estate values is around $286,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,657
Persons Per Household2.18
Average House Value$286,600
Income Per Household$64296
Median Age55.5
Median Age Male53.8
Median Age Female57.0
80816 DetailsValues
StateCO
State Full NameColorado
City TypeP
City Alias Abbreviation
Area Code719
CityFlorissant
City Alias NameFLORISSANT
CountyTeller
County FIPS119
State FIPS08
Time Zone7
Day Light SavingY
MSA
PMSA
CSA
CBSA17820
CBSA_DIV
CBSA_TypeMetro
CBSA_NameColorado Springs, CO
MSA_Name
PMSA_Name
RegionWest
DivisionMountain
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses101
Number Of Employees325
Business First Quarter Payroll3292
Business Annual Payroll16713
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population645613
CBSA Division Population0
Congressional District07
Congressional LandArea342.11
Delivery Residential2967
Delivery Business14
Delivery Total3348
Preferred Last Line KeyZ11395
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyZ11395
Land Area182.462000
Water Area0.396000
City Alias Code
City Mixed CaseFlorissant
City Alias Mixed CaseFlorissant
Box Count327
SFDU131
MFDU4
State ANSI08
County ANSI119
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number073132
Unique ZIP Name
SSA State County Code06590
Medicare CBSA Code17820
Medicare CBSA NameColorado Springs, CO
Medicare CBSA TypeMetro
Market Rating Area ID2
County Mixed CaseTeller

Colorado Homeowners Insurance News & Information

  • 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 […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]