Compare quotes for your home in 81601! Compare the best 12 carriers in minutes.
Find the lowest Homeowners Insurance Rates in 81601
There are a number of ways to save money on your homeowners insurance rates. Discounts, bundling, upgrading your security system or replacing your roof with wind resistance materials are all great ways to lower your premium but the number one recommended way to save is to shop your coverage on a regular basis.
If you are shopping for coverage in 81601, do yourself a favor and get a rate quote from GetHomeInsuranceQuotes.com. We will provide you with up to 12 quotes for homeowners coverage in Glenwood Springs, CO from a list of top tier nationwide insurers.
Our Colorado licensed agents will review the quotes with you and provide advice on coverage types and coverage levels that will work best for you and your family.
It’s easy to get started. Just click the "Get Multiple Quotes Now" button below and your 81601 will appear in the zip code field and you are ready to go.
It’s Time to Compare Rate Quotes for 81601
You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Glenwood Springs, CO home insurance quotes in your local city and review the most competitive coverages and premiums.
81601 Ratings: very high!
Saving up to 40 percent on your homeowner insurance premium has never been easier. We will do all of the legwork for you and present you with the best policy options to help protect your home.
In addition to gathering the best quotes from 12 major insurance companies in Glenwood Springs we will also share what average rates are in your area so we can compare savings and coverage options. Reviewing what home insurance cost will help you determine if your current insurance premium is on the high side or if you are already getting a bargain. For example, in 81601, homeowners are seeing rates around 1286 on average per year.
Let us help you compare home insurance rates right now. Get started shopping for new policy in 81601!
81601 Home Insurance Average Premiums
$1036 /yr.
Shows Zip Code: 81601 lowest rates with discounts applied on average.
For the 81601, 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) | $1036 /yr. |
| Average Coverage: | $1286 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1586 /yr. |
What is the average home insurance cost for a home in 81601?
- • The average homeowners insurance premium paid annually for a home in 81601 is around $1286 per year.
What does it cost on average per month for home insurance in 81601?
- • Homeowners in 81601 pay a monthly average cost per month around $107.00.
What kind of discount could I get if I combine my home and auto insurance together in 81601?
- • Autoowners in 81601 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 Glenwood Springs area, check out other zip codes nearby 81601.
Review average rates in another zip code:
81601 homeowners insurance rates
Home Replacement Cost Coverage in 81601
Average Building Cost Per Square Foot in 81601: $260
Location: Glenwood Springs, Colorado (Garfield County)Average Square Footage in 81601: 2,143 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 81601 before you start any project. Glenwood Springs 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 81601 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 81601 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,143 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 Glenwood Springs 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 | 2,143 | $557,100 |
| Additional Upgrades & Added Features | $325 | 2,143 | $696,375 |
| Major Home Updates or Advancements | $390 | 2,143 | $835,650 |
It's important to understand that when you estimate your replacement cost of your home in the 81601 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 81601
Best Home & Auto Insurance Agencies in 81601
American Family Insurance- Trish Romero
Address: 905 Grand Avenue Glenwood Springs, CO 81601Phone:
Website: http://www.dexknows.com/rd?dku=http://www.dexknows.com/business_profiles/american_family_insurance__trish_romero-b2112594&mkt=63801
Info:
Jeff Leonard Insur Agency Inc - State Farm Insurance Agent
Address: 1620 Grand Ave Glenwood Springs, CO 81601Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards
Allstate Insurance Companies
Address: 818 Grand Ave Glenwood Springs, CO 81601Phone:
Website: http://www.allstateagencies.com
Info:
Carl J Ciani Insur Agency Inc - State Farm Insurance Agent
Address: 2402 S Grand Ave Glenwood Springs, CO 81601Phone:
Website: http://www.national.citysearch.com/profile/external/1965577/glenwood_springs_co/carl_j_ciani_insur_agcy_inc_state_farm_insurance_agent.html
Info:
Peter Martin Insurance
Address: 1338 Grand Avenue Glenwood Springs, CO 81601Phone:
Website: http://www.myserviceprofile.com/AutoInsuranceinGlenwoodSpringsCO81601.htm
Info:
Housing Demographics for 81601
Population Review for 81601 Zip Code
For the city of Glenwood Springs, the population within 81601 has increased to over 17,422 residents in population size. The current population total is 16,484. We have broken down the population based on race below. In 81601, there are over 8325 in male population and 8159 females.
| Population | Values |
|---|---|
| Total Population | 16,484 |
| White Population | 10846 |
| Black Population | 95 |
| Hispanic Population | 5533 |
| Asian Population | 149 |
| Hawaiian Population | 8 |
| Indian Population | 169 |
| Other Population | 2906 |
| Male Population | 8325 |
| Female Population | 8159 |
| Population Estimate | 17422 |
Household Data for 81601
The average number of homes in 81601 is around 6,201, there are an average of 2.60 per household. The average house value according to local real estate values is around $557,100. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 6,201 |
| Persons Per Household | 2.60 |
| Average House Value | $557,100 |
| Income Per Household | $89256 |
| Median Age | 38.3 |
| Median Age Male | 37.7 |
| Median Age Female | 38.9 |
| 81601 Details | Values |
|---|---|
| State | CO |
| State Full Name | Colorado |
| City Type | P |
| City Alias Abbreviation | GLENWOOD SPGS |
| Area Code | 970 |
| City | Glenwood Springs |
| City Alias Name | GLENWOOD SPRINGS |
| County | Garfield |
| County FIPS | 045 |
| State FIPS | 08 |
| Time Zone | 7 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | 233 |
| CBSA | 40090 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Rifle, CO |
| MSA_Name | |
| PMSA_Name | |
| Region | West |
| Division | Mountain |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 990 |
| Number Of Employees | 9990 |
| Business First Quarter Payroll | 120071 |
| Business Annual Payroll | 535784 |
| 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 | 6701 |
| Delivery Business | 815 |
| Delivery Total | 7375 |
| Preferred Last Line Key | Z11447 |
| Classification Code | |
| Multi-County | |
| CSA Name | Edwards-Rifle, CO |
| CBSA_DIV_Name | |
| City State Key | Z11447 |
| Land Area | 367.629000 |
| Water Area | 0.849000 |
| City Alias Code | |
| City Mixed Case | Glenwood Springs |
| City Alias Mixed Case | Glenwood Springs |
| Box Count | 0 |
| SFDU | 2887 |
| MFDU | 1279 |
| State ANSI | 08 |
| County ANSI | 045 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 073708 |
| Unique ZIP Name | |
| SSA State County Code | 06220 |
| Medicare CBSA Code | 99906 |
| Medicare CBSA Name | Rural Areas in CO |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 9 |
| County Mixed Case | Garfield |
Colorado Homeowners Insurance News & Information
-
2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025
Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance. We thought it might be a good idea to look at some spring cleaning and maintenance […]
-
Homeowners Now Use This Strategy To Save Money on Home Insurance. Is It a Good Idea? Posted on Wednesday 26th March, 2025
According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone. Data from the Intercontinental Exchange (ICE) showed […]
-
Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025
According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid. Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]