Get multiple home insurance quotes in 81505. Our licensed 81505, CO agents are ready to serve you.

Compare 81505 Home Insurance Rates

Are you looking to easily compare home insurance prices online for your home in the 81505 area? The average homeowners premium in Colorado for a standard homeowners policy is around $1,220/yr., paid annually through your mortgage provider if your home is not currently paid in full. A standard policy for your home is referred to as an HO-3 policy which is the most common homeowners policy. This type of policy covers all perils, but will exclude certain major perils like flood and earthquake damage. The exceptions are listed on your current policy so it is important to know what type of coverage you currently have so you can compare the best home insurance rates, companies and policy protection. In the 81505 zip code, the population size is around 11,791 with 4,943 currently occupied homeowners. Our online quoting process helps make it easy for you to shop and compare the best home insurance rates for your home in 81505.

Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes. Easily shop the best rates for Grand Junction, CO Homeowners Insurance. Compare companies, quotes, coverages and more.

Avg. CO RateDiscountsSavingsShop Rates
$1,667up to 40% off$667

81505 Home Insurance Average Premiums

Local 81505 homeowners insurance quotes comparison

$970 /yr.

Shows Zip Code: 81505 lowest rates with discounts applied on average.

For the 81505, 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)		$970 /yr.
Average Coverage:$1220 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1520 /yr.

What is the average home insurance cost for a home in 81505?

  • • The average homeowners insurance premium paid annually for a home in 81505 is around $1220 per year.

What does it cost on average per month for home insurance in 81505?

  • • Homeowners in 81505 pay a monthly average cost per month around $102.00.

What kind of discount could I get if I combine my home and auto insurance together in 81505?

  • • Autoowners in 81505 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 Grand Junction area, check out other zip codes nearby 81505.
Review average rates in another zip code:
81507 homeowners insurance rates
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81503 homeowners insurance rates
81505 homeowners insurance rates

Home Replacement Cost Coverage in 81505

Average Building Cost Per Square Foot in 81505: $260

Location: Grand Junction, Colorado (Mesa County)

Average Square Footage in 81505: 1,356 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 81505 before you start any project. Grand Junction 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 81505 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 81505 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,356 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 Grand Junction 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$2601,356$352,500
Additional Upgrades & Added Features$3251,356$440,625
Major Home Updates or Advancements$3901,356$528,750

It's important to understand that when you estimate your replacement cost of your home in the 81505 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 81505

Allstate Insurance-Lori Carlston

Address: 2478 Patterson Rd #15 Grand Junction, CO 81505
Phone: (970)245-4567
Website:

Best Home & Auto Insurance Agencies in 81505

Eric Lusby Insurance Agency Inc - State Farm Insurance Agent

Address: 2584 Patterson Rd, Ste 1 Grand Junction, CO 81505
Phone:
Website: http://www.national.citysearch.com/profile/external/46274978/grand_junction_co/eric_lusby_insurance_agcy_inc_state_farm_insurance_agent.html
Info:

Anderson Insurance Agency Inc - State Farm Insurance Agent

Address: 2486 F Rd Grand Junction, CO 81505
Phone:
Website: http://www.national.citysearch.com/profile/external/1963319/grand_junction_co/anderson_insurance_agcy_inc_state_farm_insurance_agent.html
Info:

Allstate Insurance-Lori Carlston

Address: 2478 Patterson Rd, #Rd-15 Grand Junction, CO 81505
Phone:
Website:
Info:

Lusby, Eric - Eric Lusby Insurance Incorporated

Address: 2584 F Rd Grand Junction, CO 81505
Phone:
Website: http://www.elusby.com/
Info:

Housing Demographics for 81505

Population Review for 81505 Zip Code

For the city of Grand Junction, the population within 81505 has increased to over 13,330 residents in population size. The current population total is 11,791. We have broken down the population based on race below. In 81505, there are over 5604 in male population and 6187 females.

PopulationValues
Total Population11,791
White Population9742
Black Population51
Hispanic Population1596
Asian Population267
Hawaiian Population13
Indian Population104
Other Population424
Male Population5604
Female Population6187
Population Estimate13330

Household Data for 81505

The average number of homes in 81505 is around 4,943, there are an average of 2.38 per household. The average house value according to local real estate values is around $352,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode4,943
Persons Per Household2.38
Average House Value$352,500
Income Per Household$79117
Median Age40.8
Median Age Male39.7
Median Age Female42.0
81505 DetailsValues
StateCO
State Full NameColorado
City TypeP
City Alias AbbreviationGRAND JCT
Area Code970
CityGrand Junction
City Alias NameGRAND JUNCTION
CountyMesa
County FIPS077
State FIPS08
Time Zone7
Day Light SavingY
MSA2995
PMSA
CSA
CBSA24300
CBSA_DIV
CBSA_TypeMetro
CBSA_NameGrand Junction, CO
MSA_NameGrand Junction, CO MSA
PMSA_Name
RegionWest
DivisionMountain
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses1054
Number Of Employees15780
Business First Quarter Payroll179594
Business Annual Payroll786326
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population146723
CBSA Division Population0
Congressional District03
Congressional LandArea49731.77
Delivery Residential5601
Delivery Business1124
Delivery Total14383
Preferred Last Line KeyZ11456
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ11456
Land Area72.055000
Water Area0.425000
City Alias Code
City Mixed CaseGrand Junction
City Alias Mixed CaseGrand Junction
Box Count0
SFDU1856
MFDU500
State ANSI08
County ANSI077
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number073834
Unique ZIP Name
SSA State County Code06380
Medicare CBSA Code24300
Medicare CBSA NameGrand Junction, CO
Medicare CBSA TypeMetro
Market Rating Area ID5
County Mixed CaseMesa

Colorado Homeowners Insurance News & Information

  • 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 […]

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    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 […]