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81039 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 81039 zip code it's important to know that our rates are very competitive for homeowners living in Fowler, CO. Many homeowners based out of your 81039 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Colorado licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 81039 should appear in the zip code field ready to go. For Fowler, CO Homeowners Insurance Quotes nearby, we offer the best rates and service.

81039: Average Home Insurance Rates

For homeowners living in the great city of Fowler, the average homeowners policy is considered very high in comparison to other states. Colorado premiums are estimated to be around $1239 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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81039 Home Insurance Average Premiums

Local 81039 homeowners insurance quotes comparison

$989 /yr.

Shows Zip Code: 81039 lowest rates with discounts applied on average.

For the 81039, 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)		$989 /yr.
Average Coverage:$1239 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1539 /yr.

What is the average home insurance cost for a home in 81039?

  • • The average homeowners insurance premium paid annually for a home in 81039 is around $1239 per year.

What does it cost on average per month for home insurance in 81039?

  • • Homeowners in 81039 pay a monthly average cost per month around $103.00.

What kind of discount could I get if I combine my home and auto insurance together in 81039?

  • • Autoowners in 81039 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 Fowler area, check out other zip codes nearby 81039.
Review average rates in another zip code:
81039 homeowners insurance rates

Home Replacement Cost Coverage in 81039

Average Building Cost Per Square Foot in 81039: $260

Location: Fowler, Colorado (Otero County)

Average Square Footage in 81039: 447 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 81039 before you start any project. Fowler 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 81039 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 81039 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 447 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 Fowler 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$260447$116,100
Additional Upgrades & Added Features$325447$145,125
Major Home Updates or Advancements$390447$174,150

It's important to understand that when you estimate your replacement cost of your home in the 81039 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 81039

Best Home & Auto Insurance Agencies in 81039

Allstate Insurance Companies

Address: 311 S Main St Fowler, CO 81039
Phone:
Website: http://www.allstateagencies.com
Info:

Housing Demographics for 81039

Population Review for 81039 Zip Code

For the city of Fowler, the population within 81039 has increased to over 2,031 residents in population size. The current population total is 1,971. We have broken down the population based on race below. In 81039, there are over 945 in male population and 1026 females.

PopulationValues
Total Population1,971
White Population1678
Black Population5
Hispanic Population351
Asian Population0
Hawaiian Population1
Indian Population26
Other Population97
Male Population945
Female Population1026
Population Estimate2031

Household Data for 81039

The average number of homes in 81039 is around 799, there are an average of 2.41 per household. The average house value according to local real estate values is around $116,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode799
Persons Per Household2.41
Average House Value$116,100
Income Per Household$43415
Median Age43.9
Median Age Male43.2
Median Age Female45.1
81039 DetailsValues
StateCO
State Full NameColorado
City TypeP
City Alias Abbreviation
Area Code719
CityFowler
City Alias NameFOWLER
CountyOtero
County FIPS089
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 Businesses39
Number Of Employees287
Business First Quarter Payroll2140
Business Annual Payroll10334
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 District03|04
Congressional LandArea49731.77|38102.67
Delivery Residential843
Delivery Business52
Delivery Total983
Preferred Last Line KeyZ11410
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyZ11410
Land Area588.576000
Water Area1.444000
City Alias Code
City Mixed CaseFowler
City Alias Mixed CaseFowler
Box Count54
SFDU782
MFDU26
State ANSI08
County ANSI089
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationC
Finance Number073294
Unique ZIP Name
SSA State County Code06440
Medicare CBSA Code99906
Medicare CBSA NameRural Areas in CO
Medicare CBSA TypeMicro
Market Rating Area ID8
County Mixed CaseOtero

Colorado Homeowners Insurance News & Information

  • Homeowners Shopping Rates Due to Rise in Premiums Posted on Monday 23rd September, 2024

    According to the recently released J.D. Power 2024 U.S. Home Insurance Study a nationwide rise in premiums has driven many customers to shop for new policies as their rates are now too high.  “’The average shopping rate among home insurance customers has climbed to a record high of 6.8% through the second quarter of 2024, […]

  • Where is it cheaper to rent than to buy a home in the United States? Posted on Thursday 5th September, 2024

    According to a new study from Clever Real Estate, a St. Louis-based real estate company, monthly rent costs are actually cheaper than a monthly mortgage payment in 48 of the 50 most populous cities in the United States. Their analysis looked at mortgage principals, interest, taxes as well as homeowners insurance and they found that […]

  • Review How Many Homeowners Are Not Insured Per State Posted on Thursday 29th August, 2024

    One of the major costs of owning a home is protecting it with homeowners insurance. This will ensure your home is repaired or rebuilt if it is damage or destroyed by a covered peril. It also helps protect you against lawsuits, theft and even vandalism. If you have a mortgage on your home, your lender […]