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81001 Homeowners Insurance Quotes & Rates

Pueblo residents living within the 12,194 homes available in the zip code of 81001 are shopping online to compare cheaper and more affordable Pueblo, CO home insurance rates. In the great city of Pueblo, 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 $1,245 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 81001 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 81001 home insurance rates today! Please give us a call now at 1-855-976-2656. For Pueblo, CO Homeowners Insurance Quotes, Click to easily get started!

81001 Home Insurance Average Premiums

Local 81001 homeowners insurance quotes comparison

$995 /yr.

Shows Zip Code: 81001 lowest rates with discounts applied on average.

For the 81001, 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)
$995 /yr.
Average Coverage:$1245 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1545 /yr.

What is the average home insurance cost for a home in 81001?

  • • The average homeowners insurance premium paid annually for a home in 81001 is around $1245 per year.

What does it cost on average per month for home insurance in 81001?

  • • Homeowners in 81001 pay a monthly average cost per month around $104.00.

What kind of discount could I get if I combine my home and auto insurance together in 81001?

  • • Autoowners in 81001 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 Pueblo area, check out other zip codes nearby 81001.
Review average rates in another zip code:
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Home Replacement Cost Coverage in 81001

Average Building Cost Per Square Foot in 81001: $260

Location: Pueblo, Colorado (Pueblo County)

Average Square Footage in 81001: 572 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 81001 before you start any project. Pueblo 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 81001 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 81001 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 572 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 Pueblo 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$260572$148,800
Additional Upgrades & Added Features$325572$186,000
Major Home Updates or Advancements$390572$223,200

It's important to understand that when you estimate your replacement cost of your home in the 81001 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 81001

Best Home & Auto Insurance Agencies in 81001

John Zanotelli DBA American Family Insurance

Address: 4019 Jerry Murphy Rd Pueblo, CO 81001
Phone:
Website: http://www.amfam.com
Info: American Family Insurance | Auto Insurance, Car Insurance, Life, Homeowners & More
American Family Insurance offers affordable car insurance, homeowners insurance, life insurance, business insurance, annuities and more. auto insurance, car insurance, life insurance, homeowners insurance, business insurance, annuities

Fitzgerald- Karen H - State Farm Insurance Agent

Address: 1422 E Us-50 Byp Pueblo, CO 81001
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

Einspahr- Orin L

Address: 725 Desert Flower Blvd Pueblo, CO 81001
Phone:
Website:
Info:

Allstate Insurance Companies

Address: 4015 Jerry Murphy Rd Pueblo, CO 81001
Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
Allstate auto insurance quotes and anonymous ballpark estimates to help protect you, your family and your automobile. Insurance and financial products include car insurance, home insurance, business insurance, life insurance, IRAs and annuities. car insurance, auto insurance quote, vehicle insurance, free online insurance quotes, rate quote, life insurance, annuities, mutual funds, IRAs, allstate insurance agent, allstate.com

American Family Insurance

Address: 1004 Constitution Rd Pueblo, CO 81001
Phone:
Website: http://www.amfam.com
Info: American Family Insurance | Auto Insurance, Car Insurance, Life, Homeowners & More
American Family Insurance offers affordable car insurance, homeowners insurance, life insurance, business insurance, annuities and more. auto insurance, car insurance, life insurance, homeowners insurance, business insurance, annuities

Housing Demographics for 81001

Population Review for 81001 Zip Code

For the city of Pueblo, the population within 81001 has increased to over 30,512 residents in population size. The current population total is 31,107. We have broken down the population based on race below. In 81001, there are over 15289 in male population and 15818 females.

PopulationValues
Total Population31,107
White Population17436
Black Population766
Hispanic Population16817
Asian Population361
Hawaiian Population50
Indian Population1022
Other Population5258
Male Population15289
Female Population15818
Population Estimate30512

Household Data for 81001

The average number of homes in 81001 is around 12,194, there are an average of 2.49 per household. The average house value according to local real estate values is around $148,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode12,194
Persons Per Household2.49
Average House Value$148,800
Income Per Household$39490
Median Age36.6
Median Age Male35.1
Median Age Female38.3
81001 DetailsValues
StateCO
State Full NameColorado
City TypeP
City Alias Abbreviation
Area Code719
CityPueblo
City Alias NamePUEBLO
CountyPueblo
County FIPS101
State FIPS08
Time Zone7
Day Light SavingY
MSA6560
PMSA
CSA444
CBSA39380
CBSA_DIV
CBSA_TypeMetro
CBSA_NamePueblo, CO
MSA_NamePueblo, CO MSA
PMSA_Name
RegionWest
DivisionMountain
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses330
Number Of Employees6972
Business First Quarter Payroll81485
Business Annual Payroll371172
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population159063
CBSA Division Population0
Congressional District03
Congressional LandArea49731.77
Delivery Residential12254
Delivery Business465
Delivery Total12957
Preferred Last Line KeyZ11775
Classification Code
Multi-County
CSA NamePueblo-Canon City, CO
CBSA_DIV_Name
City State KeyZ11775
Land Area32.043000
Water Area0.150000
City Alias Code
City Mixed CasePueblo
City Alias Mixed CasePueblo
Box Count166
SFDU8692
MFDU898
State ANSI08
County ANSI101
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number077452
Unique ZIP Name
SSA State County Code06500
Medicare CBSA Code39380
Medicare CBSA NamePueblo, CO
Medicare CBSA TypeMetro
Market Rating Area ID7
County Mixed CasePueblo

Colorado Homeowners Insurance News & Information

  • 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 […]

  • $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 […]