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81124 Home Insurance Rates
Getting multiple homeowners insurance rates in 81124 is the best way to review and compare all the coverage options available for you, your home and your family. Our homeowners rates are very competitive for homeowners living in the great city of Capulin, CO. Many homeowners based out of the 81124 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. We can compare up to 12 competitive home insurance rates for you all in one place. Plus, our home insurance quotes are free and our Colorado licensed home insurance professionals can provide a free consultation service to you that allows you to ask questions about which policy and coverage package is best for you. To get free home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 81124 should appear in the zip code field ready to go. For Capulin, CO Home Insurance Quotes, Click to easily get started!
81124 Homeowners Insurance Rates, Average Rating: Very High!
Your homeowners insurance policy in 81124 consists of both property and casualty insurance coverage. This type of policy will insure your home against a variety of risks, including fire, theft and windstorm damage. Additional protection is also included in most policies that offer liability coverage against accidents that may injure other people on your property in Capulin. For a basic HO-3, standard homeowners policy, the average premium per year in Colorado is around $1237. By shopping your home insurance with us at GetHomeInsuranceQuotes.com, we can help you compare the most affordable rates and enhanced coverage options. Please enter your 81124 zip code today and let us help you save time and money on your homeowners insurance premium.
81124 Home Insurance Average Premiums
$987 /yr.
Shows Zip Code: 81124 lowest rates with discounts applied on average.
For the 81124, 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) | $987 /yr. |
| Average Coverage: | $1237 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1537 /yr. |
What is the average home insurance cost for a home in 81124?
- • The average homeowners insurance premium paid annually for a home in 81124 is around $1237 per year.
What does it cost on average per month for home insurance in 81124?
- • Homeowners in 81124 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 81124?
- • Autoowners in 81124 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 Capulin area, check out other zip codes nearby 81124.
Review average rates in another zip code:
81124 homeowners insurance rates
Home Replacement Cost Coverage in 81124
Average Building Cost Per Square Foot in 81124: $260
Location: Capulin, Colorado (Conejos County)Average Square Footage in 81124: 635 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 81124 before you start any project. Capulin 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 81124 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 81124 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 635 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 Capulin 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 | 635 | $165,000 |
| Additional Upgrades & Added Features | $325 | 635 | $206,250 |
| Major Home Updates or Advancements | $390 | 635 | $247,500 |
It's important to understand that when you estimate your replacement cost of your home in the 81124 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 81124
Best Home & Auto Insurance Agencies in 81124
Housing Demographics for 81124
Population Review for 81124 Zip Code
For the city of Capulin, the population within 81124 has increased to over 0 residents in population size. The current population total is 174. We have broken down the population based on race below. In 81124, there are over 83 in male population and 91 females.
| Population | Values |
|---|---|
| Total Population | 174 |
| White Population | 74 |
| Black Population | 2 |
| Hispanic Population | 147 |
| Asian Population | 0 |
| Hawaiian Population | 0 |
| Indian Population | 14 |
| Other Population | 43 |
| Male Population | 83 |
| Female Population | 91 |
| Population Estimate | 0 |
Household Data for 81124
The average number of homes in 81124 is around 52, there are an average of 3.23 per household. The average house value according to local real estate values is around $165,000. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 52 |
| Persons Per Household | 3.23 |
| Average House Value | $165,000 |
| Income Per Household | $0 |
| Median Age | 48.7 |
| Median Age Male | 41.5 |
| Median Age Female | 55.5 |
| 81124 Details | Values |
|---|---|
| State | CO |
| State Full Name | Colorado |
| City Type | Z |
| City Alias Abbreviation | |
| Area Code | 719 |
| City | Capulin |
| City Alias Name | CAPULIN |
| County | Conejos |
| County FIPS | 021 |
| State FIPS | 08 |
| Time Zone | 7 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | 10480 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Alamosa, CO |
| MSA_Name | |
| PMSA_Name | |
| Region | West |
| Division | Mountain |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 0 |
| Number Of Employees | 0 |
| Business First Quarter Payroll | 0 |
| Business Annual Payroll | 0 |
| 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 | 0 |
| Delivery Business | 0 |
| Delivery Total | 142 |
| Preferred Last Line Key | Z11143 |
| Classification Code | P |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | Z11143 |
| Land Area | 2.915000 |
| Water Area | 0.000000 |
| City Alias Code | |
| City Mixed Case | Capulin |
| City Alias Mixed Case | Capulin |
| Box Count | 114 |
| SFDU | 0 |
| MFDU | 0 |
| State ANSI | 08 |
| County ANSI | 021 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 071350 |
| Unique ZIP Name | |
| SSA State County Code | 06100 |
| Medicare CBSA Code | 99906 |
| Medicare CBSA Name | Rural Areas in CO |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 8 |
| County Mixed Case | Conejos |
Colorado Homeowners Insurance News & Information
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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 […]
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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 […]
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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 […]