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81005 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 81005? There are over 12,794 occupied homes in the 81005 area. With a population size of 31,327, it's not uncommon for residence of Pueblo, CO to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Colorado is around $1,247 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 81005 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Pueblo, CO Home Insurance Rate Quotes

81005 Home Insurance Average Premiums

Local 81005 homeowners insurance quotes comparison

$997 /yr.

Shows Zip Code: 81005 lowest rates with discounts applied on average.

For the 81005, 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)		$997 /yr.
Average Coverage:$1247 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1547 /yr.

What is the average home insurance cost for a home in 81005?

  • • The average homeowners insurance premium paid annually for a home in 81005 is around $1247 per year.

What does it cost on average per month for home insurance in 81005?

  • • Homeowners in 81005 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 81005?

  • • Autoowners in 81005 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 81005.
Review average rates in another zip code:
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Home Replacement Cost Coverage in 81005

Average Building Cost Per Square Foot in 81005: $260

Location: Pueblo, Colorado (Pueblo County)

Average Square Footage in 81005: 756 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 81005 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 81005 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 81005 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 756 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$260756$196,500
Additional Upgrades & Added Features$325756$245,625
Major Home Updates or Advancements$390756$294,750

It's important to understand that when you estimate your replacement cost of your home in the 81005 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 81005

Jeff Larson Insurance Agency

Address: 1842 Vinewood Lane Pueblo, CO 81005
Phone: (719)561-8449
Website:

Best Home & Auto Insurance Agencies in 81005

Gomez, George - One Stop Insurance

Address: 1105 South Prairie Avenue Pueblo, CO 81005
Phone:
Website:
Info:

Brian K Mondragon Insurance

Address: 4130 Redwood Ln, #110 Pueblo, CO 81005
Phone:
Website: http://www.national.citysearch.com/profile/external/1935852/pueblo_co/brian_k_mondragon_insurance.html
Info:

Allstate Insurance Companies

Address: 2715 S Prairie Ave Pueblo, CO 81005
Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
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Jeff Larson Insurance Agency

Address: 1842 Vinewood Ln Pueblo, CO 81005
Phone:
Website:
Info:

American Family Insurance - Candace M Baca-Swerdfe

Address: 1623 South Prairie Avenue Pueblo, CO 81005
Phone:
Website: http://www.insurance-agency.amfam.com/CO/candace-m-baca-swerdfeger/default.aspx?tid=agp0001025906
Info:

Housing Demographics for 81005

Population Review for 81005 Zip Code

For the city of Pueblo, the population within 81005 has increased to over 32,525 residents in population size. The current population total is 31,327. We have broken down the population based on race below. In 81005, there are over 15110 in male population and 16217 females.

PopulationValues
Total Population31,327
White Population20265
Black Population640
Hispanic Population14226
Asian Population249
Hawaiian Population31
Indian Population578
Other Population3832
Male Population15110
Female Population16217
Population Estimate32525

Household Data for 81005

The average number of homes in 81005 is around 12,794, there are an average of 2.44 per household. The average house value according to local real estate values is around $196,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode12,794
Persons Per Household2.44
Average House Value$196,500
Income Per Household$61156
Median Age44.1
Median Age Male41.8
Median Age Female46.2
81005 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 Businesses434
Number Of Employees5033
Business First Quarter Payroll39955
Business Annual Payroll172792
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 Residential13330
Delivery Business491
Delivery Total15710
Preferred Last Line KeyZ11775
Classification Code
Multi-County
CSA NamePueblo-Canon City, CO
CBSA_DIV_Name
City State KeyZ11775
Land Area198.665000
Water Area2.998000
City Alias Code
City Mixed CasePueblo
City Alias Mixed CasePueblo
Box Count270
SFDU10310
MFDU523
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

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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 […]