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Quickly Revew Homeowners Insurance in 80827

If you own a home in Lake George, CO you need a great homeowners policy to protect your home and possessions. Industry experts recommend shopping your homeowners insurance on a yearly basis to ensure that you are getting the best price and coverage levels.

GetHomeInsuranceQuotes.com can help you shop your coverage and find the best policy for your home in 80827 zip code. Our service is always free and we will gather quotes from up to 12 nationwide insurers so you can see all of your homeowners insurance options in one place. Our Colorado licensed agents will also review your needs and make sure you have the appropriate coverage for your home.

If you want to see real savings on the cost of homeowners insurance start shopping GetHomeInsuranceQuotes.com right now. Get started by clicking the Get Multiple Quotes Now" button below, verify your 80827 and start comparing rates now.

80827 Homeowners Insurance Rates Are Considered: very high!

The average rate for a standard homeowners policy in 80827 is $1273 according to industry data. We can help you achieve substantial savings by using our online quoting process to find the best policy for your specific home. We will also make sure you are fully covered. Insurance policies and coverage levels vary so it is key to fully understand your policy and what it covers as well as any coverage limitations.

We only deal with reputable, nationwide insurers so you can be confident that if you do need to make a claim it will be handled quickly and fairly. It’s time to start shopping for a new policy.

Get 80827 Home Insurance Rate Quotes Right Now!

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Lake George, CO home insurance quotes in your local city and review the most competitive coverages and premiums.

80827 Home Insurance Average Premiums

Local 80827 homeowners insurance quotes comparison

$1023 /yr.

Shows Zip Code: 80827 lowest rates with discounts applied on average.

For the 80827, 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 80827?

  • • The average homeowners insurance premium paid annually for a home in 80827 is around $1273 per year.

What does it cost on average per month for home insurance in 80827?

  • • Homeowners in 80827 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 80827?

  • • Autoowners in 80827 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 Lake George area, check out other zip codes nearby 80827.
Review average rates in another zip code:
80827 homeowners insurance rates

Home Replacement Cost Coverage in 80827

Average Building Cost Per Square Foot in 80827: $260

Location: Lake George, Colorado (Park County)

Average Square Footage in 80827: 1,132 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 80827 before you start any project. Lake George 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 80827 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 80827 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,132 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 Lake George 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$2601,132$294,200
Additional Upgrades & Added Features$3251,132$367,750
Major Home Updates or Advancements$3901,132$441,300

It's important to understand that when you estimate your replacement cost of your home in the 80827 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 80827

Best Home & Auto Insurance Agencies in 80827

Housing Demographics for 80827

Population Review for 80827 Zip Code

For the city of Lake George, the population within 80827 has increased to over 715 residents in population size. The current population total is 826. We have broken down the population based on race below. In 80827, there are over 421 in male population and 405 females.

PopulationValues
Total Population826
White Population726
Black Population5
Hispanic Population43
Asian Population7
Hawaiian Population0
Indian Population12
Other Population11
Male Population421
Female Population405
Population Estimate715

Household Data for 80827

The average number of homes in 80827 is around 422, there are an average of 1.96 per household. The average house value according to local real estate values is around $294,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode422
Persons Per Household1.96
Average House Value$294,200
Income Per Household$48654
Median Age57.9
Median Age Male60.4
Median Age Female55.4
80827 DetailsValues
StateCO
State Full NameColorado
City TypeP
City Alias Abbreviation
Area Code719
CityLake George
City Alias NameLAKE GEORGE
CountyPark
County FIPS093
State FIPS08
Time Zone7
Day Light SavingY
MSA
PMSA
CSA216
CBSA19740
CBSA_DIV
CBSA_TypeMetro
CBSA_NameDenver-Aurora-Centennial, CO
MSA_Name
PMSA_Name
RegionWest
DivisionMountain
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses36
Number Of Employees126
Business First Quarter Payroll916
Business Annual Payroll5680
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 District07
Congressional LandArea342.11
Delivery Residential365
Delivery Business12
Delivery Total647
Preferred Last Line KeyZ11567
Classification Code
Multi-CountyY
CSA NameDenver-Aurora-Greeley, CO
CBSA_DIV_Name
City State KeyZ11567
Land Area278.535000
Water Area5.458000
City Alias Code
City Mixed CaseLake George
City Alias Mixed CaseLake George
Box Count239
SFDU180
MFDU0
State ANSI08
County ANSI093
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number075328
Unique ZIP Name
SSA State County Code06460
Medicare CBSA Code19740
Medicare CBSA NameDenver-Aurora-Lakewood, CO
Medicare CBSA TypeMetro
Market Rating Area ID3
County Mixed CasePark

Colorado Homeowners Insurance News & Information

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    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 […]

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]