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Home Insurance in 81040
Our rates are very competitive for homeowners living in the 81040 zip code. Many homeowners based out of Gardner, CO 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 CO 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 81040 should appear in the zip code field ready to go.
81040 Average Home Insurance Rates
Are you looking for a standard HO-3 homeowners policy for your single family home in the Gardner area? The average homeowners premium in 81040 is very high in comparison to other states. For example, the national average is $1,249 per year for home insurance coverage for a basic home insurance policy. For homeowners living in the 81040, you can expect to pay around $1251 per year for homeowners coverage. If you want to see which company has the best rates and coverage options, than easily compare rates with us. You can review each premium and we can help explain any question that you may have about different types of coverages and what is best for you and your family.
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Get Home Insurance Quotes in 81040
We can shop up to 12 home insurance quotes for you easily online. You can find out more by exploring one of the three links below to review average homeowners insurance rates in the great state of Colorado. Start your 81040 home insurance shopping today!
81040 Home Insurance Average Premiums
$1001 /yr.
Shows Zip Code: 81040 lowest rates with discounts applied on average.
For the 81040, 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) | $1001 /yr. |
| Average Coverage: | $1251 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1551 /yr. |
What is the average home insurance cost for a home in 81040?
- • The average homeowners insurance premium paid annually for a home in 81040 is around $1251 per year.
What does it cost on average per month for home insurance in 81040?
- • Homeowners in 81040 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 81040?
- • Autoowners in 81040 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 Gardner area, check out other zip codes nearby 81040.
Review average rates in another zip code:
81040 homeowners insurance rates
Home Replacement Cost Coverage in 81040
Average Building Cost Per Square Foot in 81040: $260
Location: Gardner, Colorado (Huerfano County)Average Square Footage in 81040: 927 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 81040 before you start any project. Gardner 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 81040 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 81040 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 927 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 Gardner 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 | 927 | $241,000 |
| Additional Upgrades & Added Features | $325 | 927 | $301,250 |
| Major Home Updates or Advancements | $390 | 927 | $361,500 |
It's important to understand that when you estimate your replacement cost of your home in the 81040 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 81040
Best Home & Auto Insurance Agencies in 81040
Housing Demographics for 81040
Population Review for 81040 Zip Code
For the city of Gardner, the population within 81040 has increased to over 178 residents in population size. The current population total is 448. We have broken down the population based on race below. In 81040, there are over 249 in male population and 199 females.
| Population | Values |
|---|---|
| Total Population | 448 |
| White Population | 310 |
| Black Population | 3 |
| Hispanic Population | 139 |
| Asian Population | 3 |
| Hawaiian Population | 0 |
| Indian Population | 20 |
| Other Population | 34 |
| Male Population | 249 |
| Female Population | 199 |
| Population Estimate | 178 |
Household Data for 81040
The average number of homes in 81040 is around 242, there are an average of 1.82 per household. The average house value according to local real estate values is around $241,000. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 242 |
| Persons Per Household | 1.82 |
| Average House Value | $241,000 |
| Income Per Household | $0 |
| Median Age | 57.9 |
| Median Age Male | 54.3 |
| Median Age Female | 60.2 |
| 81040 Details | Values |
|---|---|
| State | CO |
| State Full Name | Colorado |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 719 |
| City | Gardner |
| City Alias Name | GARDNER |
| County | Huerfano |
| County FIPS | 055 |
| State FIPS | 08 |
| Time Zone | 7 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | |
| CBSA_DIV | |
| CBSA_Type | |
| CBSA_Name | |
| MSA_Name | |
| PMSA_Name | |
| Region | West |
| Division | Mountain |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 8 |
| Number Of Employees | 46 |
| Business First Quarter Payroll | 640 |
| Business Annual Payroll | 2346 |
| 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 | 0 |
| CBSA Division Population | 0 |
| Congressional District | 03 |
| Congressional LandArea | 49731.77 |
| Delivery Residential | 98 |
| Delivery Business | 4 |
| Delivery Total | 353 |
| Preferred Last Line Key | Z11431 |
| Classification Code | |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | Z11431 |
| Land Area | 474.737000 |
| Water Area | 0.165000 |
| City Alias Code | |
| City Mixed Case | Gardner |
| City Alias Mixed Case | Gardner |
| Box Count | 200 |
| SFDU | 91 |
| MFDU | 0 |
| State ANSI | 08 |
| County ANSI | 055 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 073456 |
| Unique ZIP Name | |
| SSA State County Code | 06270 |
| Medicare CBSA Code | 99906 |
| Medicare CBSA Name | Rural Areas in CO |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 8 |
| County Mixed Case | Huerfano |
Colorado Homeowners Insurance News & Information
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2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025
Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance. We thought it might be a good idea to look at some spring cleaning and maintenance […]
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Homeowners Now Use This Strategy To Save Money on Home Insurance. Is It a Good Idea? Posted on Wednesday 26th March, 2025
According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone. Data from the Intercontinental Exchange (ICE) showed […]
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Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025
According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid. Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]