Gavop's guide to buying homeowners insurance in Indianola, IA covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $46,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $74,500 | $60,000 | $50,000-$75,000 |
| 3 Bedroom | $121,000 | $100,000 | $100,000-$125,000 |
| 4 Bedroom | $249,000 | $220,000 | $250,000-$300,000 |
| 5 Bedroom | $205,500 | $180,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$111 | $628 |
| Superior Protection Discount | -$67 | $673 |
| Fire & Security Discount | -$67 | $673 |
| Hail Resistant Roof Discount | -$15 | $724 |
| Newly Constructed Home Discount | -$192 | $547 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Warren County | $2,500 | $873 | $3,373 | $634 | $3,134 | $238 |
| Indianola, IA | $700 | $730 | $1,430 | $531 | $1,231 | $200 |
| Carlisle, IA | $100 | $852 | $952 | $619 | $719 | $233 |
| Beaver, IA | $1,000 | $891 | $1,891 | $648 | $1,648 | $244 |
| Bondurant, IA | $200 | $929 | $1,129 | $675 | $875 | $254 |
| Earlham, IA | $200 | $818 | $1,018 | $595 | $795 | $224 |
| Reasnor, IA | $1,000 | $583 | $1,583 | $424 | $1,424 | $159 |
| Dexter, IA | $300 | $787 | $1,087 | $572 | $872 | $215 |
| Oakland Acres, IA | $1,000 | $960 | $1,960 | $698 | $1,698 | $262 |
| Beacon, IA | $400 | $609 | $1,009 | $442 | $842 | $166 |
| East Des Moines, IA | $2,000 | $932 | $2,932 | $677 | $2,677 | $255 |
| Home Insurance Company Indianola, IA | Homeowners Insurance Agency Indianola, IA | Address | Popularity Score | Distance from Indianola (miles) |
|---|---|---|---|---|
| Travelers | Brooks-Lussem-Clem Insurance | 10546 Justin Dr, Urbandale, IA, 50322 | 20.8 | |
| State Farm | Melodie Whiton | 900 1st Ave, Perry, IA, 50220-1703 | 43.1 | |
| State Farm | Chad Kuehl | 409 N Jefferson Way, Indianola, IA, 50125-1713 | 0.4 | |
| State Farm | Julie Helps | 8818 Swanson Blvd., Clive, IA, 50325 | 19.1 | |
| Liberty Mutual Independent | Reynolds & Reynolds Inc | 300 Walnut St Ste 200, Des Moines, IA, 50309 | 15.7 | |
| Farmers | Michael Schultz | 302 W 2nd Ave, Indianola, IA, 50125 | 0.3 | |
| Travelers | Iowa Ins Agency Inc | 7400 University Ste A, Des Moines, IA, 50325 | 18.3 | |
| Travelers | Mauro Insurance Agency Ltd | 4314 Sw 9th St, Des Moines, IA, 50315 | 13.0 | |
| Liberty Mutual Independent | Lmc Insurance & Risk Management Inc | 4200 University Ave Ste 200, West Des Moines, IA, 50266 | 19.4 | |
| Travelers | Valley Junction Insurance Services | 509 5th St, West Des Moines, IA, 50265 | 16.5 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Iowa | $137,200 | $829 | $610 | $1,140 | $530 |
| Warren County, IA | $171,400 | $883 | $610 | $1,210 | $600 |
| Indianola, IA | $155,600 | $739 | $510 | $1,030 | $520 |
| Carlisle, IA | $148,800 | $862 | $580 | $1,220 | $640 |
| Beaver, IA | $164,100 | $902 | $660 | $1,290 | $630 |
| Bondurant, IA | $180,600 | $940 | $630 | $1,330 | $700 |
| Earlham, IA | $136,900 | $828 | $570 | $1,180 | $610 |
| Reasnor, IA | $75,000 | $590 | $410 | $810 | $400 |
| Dexter, IA | $127,000 | $797 | $580 | $1,090 | $510 |
| Oakland Acres, IA | $195,800 | $972 | $660 | $1,370 | $710 |
| Beacon, IA | $80,600 | $616 | $450 | $850 | $400 |
| East Des Moines, IA | $181,700 | $943 | $670 | $1,340 | $670 |