Compare quotes for your home in 81401! Compare the best 12 carriers in minutes.
81401 Online Home Insurance Rates
Comparing a bunch of different rates for your home in 81401 is very time consuming. At GetHomeInsuranceQuotes.com, we help you shop and compare up to 12 major top-rated A.M. Best companies, to present the most affordable rates for homeowners living in Montrose, CO. Not only do we provide free comparitive rates, but we also answer any questions you have and offer a free consultation process to help you decide which coverage option is best for you. Most of the time, we can add up to 40% more in savings by applying all the discounts and credits, like a home/auto package, security alarm, new roof upgrade or even deadbolts. It's easy to shop with us, we have already partnered with the most competitive home insurance companies in the 81401 area. If you enter your zip code, you can easily begin the online quoting process, it only takes a few minutes. If you would like to give us a call now at 1-855-976-2656 we will be happy to hear from you.
If you would like to review more information on home insurance premiums in Colorado, like average Montrose homeowners insurance rates, coverage options or home insurance types, please select Montrose, CO Home Insurance Rates Online!
81401 Home Insurance Average Premiums
$1005 /yr.
Shows Zip Code: 81401 lowest rates with discounts applied on average.
For the 81401, 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) | $1005 /yr. |
| Average Coverage: | $1255 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1555 /yr. |
What is the average home insurance cost for a home in 81401?
- • The average homeowners insurance premium paid annually for a home in 81401 is around $1255 per year.
What does it cost on average per month for home insurance in 81401?
- • Homeowners in 81401 pay a monthly average cost per month around $105.00.
What kind of discount could I get if I combine my home and auto insurance together in 81401?
- • Autoowners in 81401 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 Montrose area, check out other zip codes nearby 81401.
Review average rates in another zip code:
81401 homeowners insurance rates
81403 homeowners insurance rates
Home Replacement Cost Coverage in 81401
Average Building Cost Per Square Foot in 81401: $260
Location: Montrose, Colorado (Montrose County)Average Square Footage in 81401: 985 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 81401 before you start any project. Montrose 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 81401 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 81401 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 985 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 Montrose 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 | 985 | $256,000 |
| Additional Upgrades & Added Features | $325 | 985 | $320,000 |
| Major Home Updates or Advancements | $390 | 985 | $384,000 |
It's important to understand that when you estimate your replacement cost of your home in the 81401 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 81401
Best Home & Auto Insurance Agencies in 81401
American Family Insurance- Fansler, Jeff
Address: 1541 Oxbow Dr Montrose, CO 81401Phone:
Website:
Info:
Gregory Bollig- Farmers Insurance
Address: 1551 Ogden Rd Montrose, CO 81401Phone:
Website: http://www.national.citysearch.com/profile/664564620/montrose_co/gregory_bollig_farmers_insurance.html
Info:
Mike Trujillo Insur Agency Inc
Address: 2019 S Townsend Ave Montrose, CO 81401Phone:
Website:
Info:
Mountains West Insurance LLC
Address: 242 W Main St Montrose, CO 81401Phone:
Website:
Info:
Allstate Insurance Companies
Address: 35 S Selig Ave Montrose, CO 81401Phone:
Website: http://www.allstateagencies.com
Info:
Housing Demographics for 81401
Population Review for 81401 Zip Code
For the city of Montrose, the population within 81401 has increased to over 25,308 residents in population size. The current population total is 23,266. We have broken down the population based on race below. In 81401, there are over 11323 in male population and 11943 females.
| Population | Values |
|---|---|
| Total Population | 23,266 |
| White Population | 18326 |
| Black Population | 127 |
| Hispanic Population | 5062 |
| Asian Population | 235 |
| Hawaiian Population | 20 |
| Indian Population | 323 |
| Other Population | 1934 |
| Male Population | 11323 |
| Female Population | 11943 |
| Population Estimate | 25308 |
Household Data for 81401
The average number of homes in 81401 is around 9,959, there are an average of 2.31 per household. The average house value according to local real estate values is around $256,000. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 9,959 |
| Persons Per Household | 2.31 |
| Average House Value | $256,000 |
| Income Per Household | $53985 |
| Median Age | 44.6 |
| Median Age Male | 42.2 |
| Median Age Female | 47.1 |
| 81401 Details | Values |
|---|---|
| State | CO |
| State Full Name | Colorado |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 970 |
| City | Montrose |
| City Alias Name | MONTROSE |
| County | Montrose |
| County FIPS | 085 |
| State FIPS | 08 |
| Time Zone | 7 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | 33940 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Montrose, CO |
| MSA_Name | |
| PMSA_Name | |
| Region | West |
| Division | Mountain |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 1033 |
| Number Of Employees | 11167 |
| Business First Quarter Payroll | 116731 |
| Business Annual Payroll | 506515 |
| 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 | 41276 |
| CBSA Division Population | 0 |
| Congressional District | 03 |
| Congressional LandArea | 49731.77 |
| Delivery Residential | 10956 |
| Delivery Business | 1166 |
| Delivery Total | 11844 |
| Preferred Last Line Key | Z11658 |
| Classification Code | |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | Z11658 |
| Land Area | 200.158000 |
| Water Area | 0.107000 |
| City Alias Code | |
| City Mixed Case | Montrose |
| City Alias Mixed Case | Montrose |
| Box Count | 0 |
| SFDU | 4048 |
| MFDU | 388 |
| State ANSI | 08 |
| County ANSI | 085 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 076354 |
| Unique ZIP Name | |
| SSA State County Code | 06420 |
| Medicare CBSA Code | 99906 |
| Medicare CBSA Name | Rural Areas in CO |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 9 |
| County Mixed Case | Montrose |
Colorado Homeowners Insurance News & Information
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According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]
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According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]
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Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm. Understanding the different coverages that are available to homeowners is key to making sure you […]