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Searching for Homeowners Insurance in 81029

If you are a homeowners that lives in 81029 you may be searching for more affordable homeowners insurance in Campo. Insurance rates can change on a yearly basis so if your current insurer has raised your rates recently it may be time to shop your coverage and we can help.

GetHomeInsuranceQuotes.com makes shopping your insurance policy quick and easy for residents of Campo, CO. All you have to do is enter a bit of information about your home and we will gather 12 quotes from nationwide insurers, making sure that you get the best coverage levels and rates available.

Our Colorado licensed agents will provide a free consultation to make sure you are fully protected as well as answer any questions you may have about policy options. Insurance can be complicated so it pays to have a professional walk you through your various policy choices. As always, our service is free.

Getting started is easy. Click the "Get Multiple Quotes Now" button, verify your zip code and start saving.

Get 81029 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 Campo, CO home insurance quotes in your local city and review the most competitive coverages and premiums.

Check Out 81029 Home Insurance Costs: very high!

In Campo, homeowners are paying roughly $1253 per year for a HO-3 policy which is considered the standard for a single family home. In order to find the best policy at the best price, we compare rates from some of the most competitive insurers and present you with your best options for homeowners insurance coverage in 81029 zip code.

Our service is free and we never spam our clients so you only receive the information that you request. While all situations are different, in most cases, homeowners in Campo are saving up to 40 percent on their policy costs by using GetHomeInsuranceQuotes.com.

Start shopping for a 81029 policy right now!

81029 Home Insurance Average Premiums

Local 81029 homeowners insurance quotes comparison

$1003 /yr.

Shows Zip Code: 81029 lowest rates with discounts applied on average.

For the 81029, 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)
$1003 /yr.
Average Coverage:$1253 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1553 /yr.

What is the average home insurance cost for a home in 81029?

  • • The average homeowners insurance premium paid annually for a home in 81029 is around $1253 per year.

What does it cost on average per month for home insurance in 81029?

  • • Homeowners in 81029 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 81029?

  • • Autoowners in 81029 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 Campo area, check out other zip codes nearby 81029.
Review average rates in another zip code:
81029 homeowners insurance rates

Home Replacement Cost Coverage in 81029

Average Building Cost Per Square Foot in 81029: $260

Location: Campo, Colorado (Baca County)

Average Square Footage in 81029: 209 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 81029 before you start any project. Campo 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 81029 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 81029 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 209 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 Campo 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$260209$54,300
Additional Upgrades & Added Features$325209$67,875
Major Home Updates or Advancements$390209$81,450

It's important to understand that when you estimate your replacement cost of your home in the 81029 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 81029

Best Home & Auto Insurance Agencies in 81029

Housing Demographics for 81029

Population Review for 81029 Zip Code

For the city of Campo, the population within 81029 has increased to over 161 residents in population size. The current population total is 329. We have broken down the population based on race below. In 81029, there are over 183 in male population and 146 females.

PopulationValues
Total Population329
White Population290
Black Population2
Hispanic Population20
Asian Population1
Hawaiian Population0
Indian Population4
Other Population2
Male Population183
Female Population146
Population Estimate161

Household Data for 81029

The average number of homes in 81029 is around 143, there are an average of 2.30 per household. The average house value according to local real estate values is around $54,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode143
Persons Per Household2.30
Average House Value$54,300
Income Per Household$56250
Median Age48.7
Median Age Male50.8
Median Age Female46.5
81029 DetailsValues
StateCO
State Full NameColorado
City TypeP
City Alias Abbreviation
Area Code719
CityCampo
City Alias NameCAMPO
CountyBaca
County FIPS009
State FIPS08
Time Zone7
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionWest
DivisionMountain
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses5
Number Of Employees19
Business First Quarter Payroll139
Business Annual Payroll608
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District04
Congressional LandArea38102.67
Delivery Residential70
Delivery Business0
Delivery Total150
Preferred Last Line KeyZ11139
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ11139
Land Area570.260000
Water Area0.081000
City Alias Code
City Mixed CaseCampo
City Alias Mixed CaseCampo
Box Count67
SFDU70
MFDU0
State ANSI08
County ANSI009
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number071314
Unique ZIP Name
SSA State County Code06040
Medicare CBSA Code99906
Medicare CBSA NameRural Areas in CO
Medicare CBSA TypeMicro
Market Rating Area ID8
County Mixed CaseBaca

Colorado Homeowners Insurance News & Information

  • 2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025

    While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future.  According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]

  • Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025

    Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]

  • 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 […]