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81415 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 81415 zip code find a great new policy that offers the coverage they need at a price they can afford.

GetHomeInsuranceQuotes.com makes shopping for a new policy in Crawford, CO quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 81415.

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If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 81415 and start shopping.

Quickly and Easily Compare Average Rates for 81415

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Crawford, CO home insurance quotes in your local city and review the most competitive coverages and premiums.

Average Policy Rates in 81415

Homeowners in Crawford are paying roughly $1265 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

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81415 Home Insurance Average Premiums

Local 81415 homeowners insurance quotes comparison

$1015 /yr.

Shows Zip Code: 81415 lowest rates with discounts applied on average.

For the 81415, 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)
$1015 /yr.
Average Coverage:$1265 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1565 /yr.

What is the average home insurance cost for a home in 81415?

  • • The average homeowners insurance premium paid annually for a home in 81415 is around $1265 per year.

What does it cost on average per month for home insurance in 81415?

  • • Homeowners in 81415 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 81415?

  • • Autoowners in 81415 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 Crawford area, check out other zip codes nearby 81415.
Review average rates in another zip code:
81415 homeowners insurance rates

Home Replacement Cost Coverage in 81415

Average Building Cost Per Square Foot in 81415: $260

Location: Crawford, Colorado (Delta County)

Average Square Footage in 81415: 1,205 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 81415 before you start any project. Crawford 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 81415 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 81415 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,205 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 Crawford 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$2601,205$313,300
Additional Upgrades & Added Features$3251,205$391,625
Major Home Updates or Advancements$3901,205$469,950

It's important to understand that when you estimate your replacement cost of your home in the 81415 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 81415

Best Home & Auto Insurance Agencies in 81415

Housing Demographics for 81415

Population Review for 81415 Zip Code

For the city of Crawford, the population within 81415 has increased to over 1,447 residents in population size. The current population total is 1,674. We have broken down the population based on race below. In 81415, there are over 878 in male population and 796 females.

PopulationValues
Total Population1,674
White Population1498
Black Population1
Hispanic Population124
Asian Population3
Hawaiian Population0
Indian Population12
Other Population35
Male Population878
Female Population796
Population Estimate1447

Household Data for 81415

The average number of homes in 81415 is around 713, there are an average of 2.35 per household. The average house value according to local real estate values is around $313,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode713
Persons Per Household2.35
Average House Value$313,300
Income Per Household$57761
Median Age52.3
Median Age Male51.9
Median Age Female52.5
81415 DetailsValues
StateCO
State Full NameColorado
City TypeP
City Alias Abbreviation
Area Code970
CityCrawford
City Alias NameCRAWFORD
CountyDelta
County FIPS029
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 Businesses32
Number Of Employees74
Business First Quarter Payroll627
Business Annual Payroll3058
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 Residential616
Delivery Business7
Delivery Total927
Preferred Last Line KeyZ11281
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyZ11281
Land Area278.226000
Water Area1.506000
City Alias Code
City Mixed CaseCrawford
City Alias Mixed CaseCrawford
Box Count269
SFDU556
MFDU0
State ANSI08
County ANSI029
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number072034
Unique ZIP Name
SSA State County Code06140
Medicare CBSA Code99906
Medicare CBSA NameRural Areas in CO
Medicare CBSA TypeMicro
Market Rating Area ID9
County Mixed CaseDelta

Colorado Homeowners Insurance News & Information

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    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 […]

  • 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 […]

  • 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 […]