81008, CO Home Insurance

In the zip code of 81008, the population size is around 11,868, which consists of 5,084 occupied homes in your area. We often hear homeowners ask us what the average home insurance premiums are for residence living in Pueblo, CO. A few years ago, a study was done and found that the average home insurance rates for Colorado are around $1,247 per year for a standard homeowners policy. At GetHomeInsuranceQuotes.com, we help homeowners find cheaper rates and better coverage for an existing or new home purchase opportunity. We have partnered with 12 major home insurance companies that have the most competitive rates for homes in the 81008 zip code location. Our savings model helps you not only save up to 40% or more, but also includes enhanced coverage options to help protect your home and family while livings in Pueblo. If you enter your zip code for the home you would like to shop and compare rates for today, we can help you review the premiums and coverage online or over the phone. Give us a call now at 1-855-976-2656 so we can help you compare rates today!

If you would like to review more information on rates within your area, please click Pueblo, CO Homeowners Insurance Online Rates Today!

81008 Home Insurance Average Premiums

Local 81008 homeowners insurance quotes comparison

$997 /yr.

Shows Zip Code: 81008 lowest rates with discounts applied on average.

For the 81008, 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 81008?

• The average homeowners insurance premium paid annually for a home in 81008 is around $1247 per year.

What does it cost on average per month for home insurance in 81008?

• Homeowners in 81008 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 81008?

• Autoowners in 81008 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 81008.
Review average rates in another zip code:
81008 homeowners insurance rates
81005 homeowners insurance rates
81007 homeowners insurance rates
81003 homeowners insurance rates
81004 homeowners insurance rates
81006 homeowners insurance rates
81001 homeowners insurance rates

Home Replacement Cost Coverage in 81008

Average Building Cost Per Square Foot in 81008: $260

Location: Pueblo, Colorado (Pueblo County)

Average Square Footage in 81008: 723 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 81008 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 81008 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 81008 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 723 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 Status	Price per Sq. Ft.	Square Feet	Dwelling Coverage
Basic Home Features	$260	723	$187,900
Additional Upgrades & Added Features	$325	723	$234,875
Major Home Updates or Advancements	$390	723	$281,850

Calculate Your Dwelling Coverage in 81008

It's important to understand that when you estimate your replacement cost of your home in the 81008 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 Home & Auto Insurance Agencies in 81008

Ace Cash Express

Address: 604 West 29th Street Pueblo, CO 81008
Phone:
Website: http://www.national.citysearch.com/profile/external/46050018/pueblo_co/ace_cash_express.html
Info:

Adams- Stephen P

Address: 4602 N Elizabeth St, #180 Pueblo, CO 81008
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

The Insurance House

Address: 2099 U.S. 50 #100b Pueblo, CO 81008
Phone:
Website: http://www.insurancehouseco.com/
Info:

American Family Insurance- Julie Nelson M

Address: 4718 North Elizabeth Street Pueblo, CO 81008
Phone:
Website: http://www.national.citysearch.com/profile/external/604118082/pueblo_co/american_family_insurance_julie_nelson_m.html
Info:

American Family Insurance - Donielle K Gonzales

Address: 24 Club Manor Drive #202 Pueblo, CO 81008
Phone:
Website: http://www.national.citysearch.com/profile/664296760/pueblo_co/american_family_insurance_donielle_k_gonzales.html
Info:

Housing Demographics for 81008

Population Review for 81008 Zip Code

For the city of Pueblo, the population within 81008 has increased to over 12,863 residents in population size. The current population total is 11,868. We have broken down the population based on race below. In 81008, there are over 5713 in male population and 6155 females.

Population	Values
Total Population	11,868
White Population	7417
Black Population	346
Hispanic Population	4684
Asian Population	324
Hawaiian Population	30
Indian Population	212
Other Population	1274
Male Population	5713
Female Population	6155
Population Estimate	12863

Household Data for 81008

The average number of homes in 81008 is around 5,084, there are an average of 2.28 per household. The average house value according to local real estate values is around $187,900. Please review the following demographics below for average income and media age.

Housing / Income Data	Values
Households Per Zipcode	5,084
Persons Per Household	2.28
Average House Value	$187,900
Income Per Household	$57840
Median Age	41.2
Median Age Male	39.5
Median Age Female	42.2

81008 Details	Values
State	CO
State Full Name	Colorado
City Type	P
City Alias Abbreviation
Area Code	719
City	Pueblo
City Alias Name	PUEBLO
County	Pueblo
County FIPS	101
State FIPS	08
Time Zone	7
Day Light Saving	Y
MSA	6560
PMSA
CSA	444
CBSA	39380
CBSA_DIV
CBSA_Type	Metro
CBSA_Name	Pueblo, CO
MSA_Name	Pueblo, CO MSA
PMSA_Name
Region	West
Division	Mountain
MailingName	Y

Economic & Growth Review	Values
Number Of Businesses	553
Number Of Employees	8987
Business First Quarter Payroll	71329
Business Annual Payroll	317062
Business Employment Flag
Growth Rank	0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number	0
Growth Increase Percentage	0.0

Metropolitan Details	Values
CBSA Population	159063
CBSA Division Population	0
Congressional District	03
Congressional LandArea	49731.77
Delivery Residential	5642
Delivery Business	704
Delivery Total	8400
Preferred Last Line Key	Z11775
Classification Code
Multi-County	Y
CSA Name	Pueblo-Canon City, CO
CBSA_DIV_Name
City State Key	Z11775
Land Area	102.188000
Water Area	0.133000
City Alias Code
City Mixed Case	Pueblo
City Alias Mixed Case	Pueblo
Box Count	474
SFDU	2601
MFDU	1139
State ANSI	08
County ANSI	101
ZIP Intro
Alias Intro
Facility Code	P
City Delivery Indicator	Y
Carrier Route Rate Sortation	D
Finance Number	077452
Unique ZIP Name
SSA State County Code	06500
Medicare CBSA Code	39380
Medicare CBSA Name	Pueblo, CO
Medicare CBSA Type	Metro
Market Rating Area ID	7
County Mixed Case	Pueblo

Colorado Homeowners Insurance News & Information

$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 […]
I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024
According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]
How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024
Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm. Understanding the different coverages that are available to homeowners is key to making sure you […]

Home Insurance Quotes in 81008!