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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.

Get Home Insurance Coverage in 81040 Today!

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!

  1. Gardner, CO Home Insurance Quotes

81040 Home Insurance Average Premiums

Local 81040 homeowners insurance quotes comparison

$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 StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$260927$241,000
Additional Upgrades & Added Features$325927$301,250
Major Home Updates or Advancements$390927$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.

PopulationValues
Total Population448
White Population310
Black Population3
Hispanic Population139
Asian Population3
Hawaiian Population0
Indian Population20
Other Population34
Male Population249
Female Population199
Population Estimate178

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 DataValues
Households Per Zipcode242
Persons Per Household1.82
Average House Value$241,000
Income Per Household$0
Median Age57.9
Median Age Male54.3
Median Age Female60.2
81040 DetailsValues
StateCO
State Full NameColorado
City TypeP
City Alias Abbreviation
Area Code719
CityGardner
City Alias NameGARDNER
CountyHuerfano
County FIPS055
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 Businesses8
Number Of Employees46
Business First Quarter Payroll640
Business Annual Payroll2346
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
Congressional LandArea49731.77
Delivery Residential98
Delivery Business4
Delivery Total353
Preferred Last Line KeyZ11431
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ11431
Land Area474.737000
Water Area0.165000
City Alias Code
City Mixed CaseGardner
City Alias Mixed CaseGardner
Box Count200
SFDU91
MFDU0
State ANSI08
County ANSI055
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number073456
Unique ZIP Name
SSA State County Code06270
Medicare CBSA Code99906
Medicare CBSA NameRural Areas in CO
Medicare CBSA TypeMicro
Market Rating Area ID8
County Mixed CaseHuerfano

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