81058 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 81058? There are over 369 occupied homes in the 81058 area. With a population size of 844, it's not uncommon for residence of Manzanola, CO to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Colorado is around $1,264 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 81058 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Manzanola, CO Home Insurance Rate Quotes

Average Building Cost Per Square Foot in 81058: $260

Average Square Footage in 81058: 358 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 81058 before you start any project. Manzanola 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 81058 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 81058 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 358 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 Manzanola 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.

It's important to understand that when you estimate your replacement cost of your home in the 81058 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.

Household Data for 81058

The average number of homes in 81058 is around 369, there are an average of 2.29 per household. The average house value according to local real estate values is around $93,200. Please review the following demographics below for average income and media age.

• 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 […]

• Are homeowners insurance companies increasing deductibles?  Posted on Thursday 22nd August, 2024

  This year many homeowner insurance companies have been raising their homeowner percentage deductible from 1% to 2% which could be a massive increase for policyholders who have to make a claim on their policy. It has led to many homeowners shopping their coverage as their out-of-pocket costs skyrocket.   As the cost of claims increases, particularly […]