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81638 Home Insurance Rates
For homeowners living in 81638, the population estimates are increasing to well over 166 with 85 occupied homes within the zip code of 81638. Homeowners like you are dicovering up to 40% or more in savings when they shop their new home insurance policy online. At GetHomeInsuranceQuotes.com, we provide homeowners a free shopping service that allows you to easily compare up to 12 competitive quotes for free. Home insurance premiums in Hamilton have increased and the average home insurance premium is around $1,237 per year in 81638. With our online quoting services and hassle free consultation, we can help you apply all the available discounts you need, plus review the best coverage and carrier option for you. Enter your 81638 zip code today so we can help you find affordable Hamilton, CO home insurance premiums.
Compare Multiple Homeowners Insurance Rates in 81638
Please select one of the three options below based on your 81638 zip code to learn more about Colorado homeowners insurance, plus review average rates and information per state, county or city.
- Colorado Homeowners Insurance Quotes
- Moffat County, CO Home Insurance
- Hamilton, CO Home Insurance Quotes
81638 Average Home Insurance Rating Cost is: Very High!
Getting cheaper homeowners insurance in the 81638 zip code just got easier with GetHomeInsuranceQuotes.com of Hamilton, CO. A homeowners policy consists of a combined property and casualty coverage for your home. To insure your home for a variety of risks like fire, theft, windstorm damage or liability accidents, it's important to get the right home insurance coverage. A standard HO-3 homeowners policy will help you get the basic coverage you need. Their are multiple home insurance types and we can help you get the savings you are looking for you in your insurance cost, plus the enhanced coverage you need so you have the protection when you need it most. Shop your home in 81638 today and let us help you review the best home insurance quotes available for homeowners living in Hamilton.
81638 Home Insurance Average Premiums
$987 /yr.
Shows Zip Code: 81638 lowest rates with discounts applied on average.
For the 81638, 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) | $987 /yr. |
| Average Coverage: | $1237 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1537 /yr. |
What is the average home insurance cost for a home in 81638?
- • The average homeowners insurance premium paid annually for a home in 81638 is around $1237 per year.
What does it cost on average per month for home insurance in 81638?
- • Homeowners in 81638 pay a monthly average cost per month around $103.00.
What kind of discount could I get if I combine my home and auto insurance together in 81638?
- • Autoowners in 81638 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 Hamilton area, check out other zip codes nearby 81638.
Review average rates in another zip code:
81638 homeowners insurance rates
Home Replacement Cost Coverage in 81638
Average Building Cost Per Square Foot in 81638: $260
Location: Hamilton, Colorado (Moffat County)Average Square Footage in 81638: 635 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 81638 before you start any project. Hamilton 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 81638 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 81638 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 635 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 Hamilton 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 | 635 | $165,000 |
| Additional Upgrades & Added Features | $325 | 635 | $206,250 |
| Major Home Updates or Advancements | $390 | 635 | $247,500 |
It's important to understand that when you estimate your replacement cost of your home in the 81638 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 81638
Best Home & Auto Insurance Agencies in 81638
Housing Demographics for 81638
Population Review for 81638 Zip Code
For the city of Hamilton, the population within 81638 has increased to over 70 residents in population size. The current population total is 166. We have broken down the population based on race below. In 81638, there are over 100 in male population and 66 females.
| Population | Values |
|---|---|
| Total Population | 166 |
| White Population | 146 |
| Black Population | 0 |
| Hispanic Population | 11 |
| Asian Population | 0 |
| Hawaiian Population | 0 |
| Indian Population | 4 |
| Other Population | 5 |
| Male Population | 100 |
| Female Population | 66 |
| Population Estimate | 70 |
Household Data for 81638
The average number of homes in 81638 is around 85, there are an average of 1.95 per household. The average house value according to local real estate values is around $165,000. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 85 |
| Persons Per Household | 1.95 |
| Average House Value | $165,000 |
| Income Per Household | $95000 |
| Median Age | 47.0 |
| Median Age Male | 46.0 |
| Median Age Female | 51.5 |
| 81638 Details | Values |
|---|---|
| State | CO |
| State Full Name | Colorado |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 970 |
| City | Hamilton |
| City Alias Name | HAMILTON |
| County | Moffat |
| County FIPS | 081 |
| State FIPS | 08 |
| Time Zone | 7 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | 44460 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Steamboat Springs, CO |
| MSA_Name | |
| PMSA_Name | |
| Region | West |
| Division | Mountain |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 5 |
| Number Of Employees | 12 |
| Business First Quarter Payroll | 42 |
| Business Annual Payroll | 215 |
| 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 | 02|03 |
| Congressional LandArea | 7535.34|49731.77 |
| Delivery Residential | 36 |
| Delivery Business | 0 |
| Delivery Total | 408 |
| Preferred Last Line Key | Z11480 |
| Classification Code | |
| Multi-County | Y |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | Z11480 |
| Land Area | 418.115000 |
| Water Area | 0.123000 |
| City Alias Code | |
| City Mixed Case | Hamilton |
| City Alias Mixed Case | Hamilton |
| Box Count | 44 |
| SFDU | 36 |
| MFDU | 0 |
| State ANSI | 08 |
| County ANSI | 081 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 074140 |
| Unique ZIP Name | |
| SSA State County Code | 06400 |
| Medicare CBSA Code | 99906 |
| Medicare CBSA Name | Rural Areas in CO |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 9 |
| County Mixed Case | Moffat |
Colorado Homeowners Insurance News & Information
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2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025
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 […]
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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 […]
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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 […]