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81320 Homeowners Insurance Rate Quotes

Are you shopping for homeowners insurance quotes in 81320? Our rates are very competitive for homeowners living in Cahone, CO. Many homeowners based out of your 81320 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 homeowners 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 81320 should appear in the zip code field ready to go. For Cahone, CO Home Insurance Rate Quotes click to review the best rates and service online!

81320 Average Premium is Rated: Very High!

Homeowners living in 81320 can easily save up to 40% off the average home insurance premium of $1242 a year by comparing rates with us at GetHomeInsuranceQuotes.com. You don't have to do the research to find the best company, rate and coverage options. We have already done this for you. We have 12 major carriers in Cahone that are all very competitive and have the best rate and coverage option available. All you need to do is request quotes online for zip code 81320 and we will help you compare prices and apply all available discounts. If you want savings and also need help deciding which policy is best for you, than let us help you compare multiple rates today!

Get Multiple Home Insurance Rates in 81320!

81320 Home Insurance Average Premiums

Local 81320 homeowners insurance quotes comparison

$992 /yr.

Shows Zip Code: 81320 lowest rates with discounts applied on average.

For the 81320, 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)		$992 /yr.
Average Coverage:$1242 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1542 /yr.

What is the average home insurance cost for a home in 81320?

  • • The average homeowners insurance premium paid annually for a home in 81320 is around $1242 per year.

What does it cost on average per month for home insurance in 81320?

  • • Homeowners in 81320 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 81320?

  • • Autoowners in 81320 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 Cahone area, check out other zip codes nearby 81320.
Review average rates in another zip code:
81320 homeowners insurance rates

Home Replacement Cost Coverage in 81320

Average Building Cost Per Square Foot in 81320: $260

Location: Cahone, Colorado (Dolores County)

Average Square Footage in 81320: 662 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 81320 before you start any project. Cahone 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 81320 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 81320 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 662 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 Cahone 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$260662$172,200
Additional Upgrades & Added Features$325662$215,250
Major Home Updates or Advancements$390662$258,300

It's important to understand that when you estimate your replacement cost of your home in the 81320 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 81320

Best Home & Auto Insurance Agencies in 81320

Housing Demographics for 81320

Population Review for 81320 Zip Code

For the city of Cahone, the population within 81320 has increased to over 85 residents in population size. The current population total is 380. We have broken down the population based on race below. In 81320, there are over 210 in male population and 170 females.

PopulationValues
Total Population380
White Population334
Black Population0
Hispanic Population19
Asian Population0
Hawaiian Population0
Indian Population7
Other Population1
Male Population210
Female Population170
Population Estimate85

Household Data for 81320

The average number of homes in 81320 is around 168, there are an average of 2.26 per household. The average house value according to local real estate values is around $172,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode168
Persons Per Household2.26
Average House Value$172,200
Income Per Household$30823
Median Age51.9
Median Age Male47.7
Median Age Female55.5
81320 DetailsValues
StateCO
State Full NameColorado
City TypeP
City Alias Abbreviation
Area Code970
CityCahone
City Alias NameCAHONE
CountyDolores
County FIPS033
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 Businesses7
Number Of Employees62
Business First Quarter Payroll784
Business Annual Payroll5028
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 Residential38
Delivery Business0
Delivery Total1966
Preferred Last Line KeyZ11137
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ11137
Land Area152.529000
Water Area0.014000
City Alias Code
City Mixed CaseCahone
City Alias Mixed CaseCahone
Box Count144
SFDU38
MFDU0
State ANSI08
County ANSI033
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number071260
Unique ZIP Name
SSA State County Code06160
Medicare CBSA Code99906
Medicare CBSA NameRural Areas in CO
Medicare CBSA TypeMicro
Market Rating Area ID9
County Mixed CaseDolores

Colorado Homeowners Insurance News & Information

  • 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 […]

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]