Gavop shows you how to buy homeowners insurance in Union County, IA by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $39,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $102,000 | $90,000 | $75,000-$100,000 |
| 3 Bedroom | $137,500 | $130,000 | $150,000-$175,000 |
| 4 Bedroom | $127,000 | $120,000 | $100,000-$125,000 |
| 5 Bedroom | $214,000 | $180,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$113 | $516 |
| Superior Protection Discount | -$63 | $566 |
| Fire & Security Discount | -$57 | $572 |
| Hail Resistant Roof Discount | -$13 | $616 |
| Newly Constructed Home Discount | -$176 | $453 |
| 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 |
| Union County | $2,500 | $621 | $3,121 | $451 | $2,951 | $170 |
| Union County, IA | $1,000 | $621 | $1,621 | $451 | $1,451 | $170 |
| Ellston, IA | $200 | $448 | $648 | $325 | $525 | $122 |
| Waubonsie, IA | $2,500 | $476 | $2,976 | $346 | $2,846 | $130 |
| Lamoni, IA | $700 | $634 | $1,334 | $461 | $1,161 | $173 |
| High Point, IA | $400 | $618 | $1,018 | $449 | $849 | $169 |
| East, IA | $2,500 | $523 | $3,023 | $380 | $2,880 | $143 |
| Allen, MO | $300 | $970 | $1,270 | $705 | $1,005 | $265 |
| Hepburn, IA | $2,000 | $366 | $2,366 | $266 | $2,266 | $100 |
| Pilot Grove, IA | $500 | $671 | $1,171 | $488 | $988 | $183 |
| Montgomery County, IA | $1,500 | $572 | $2,072 | $415 | $1,915 | $156 |
| Home Insurance Company Union County, IA | Homeowners Insurance Agency Union County, IA | Address | Popularity Score | Distance from Union County (miles) |
|---|---|---|---|---|
| Travelers | Brooks-Lussem-Clem Insurance | 10546 Justin Dr, Urbandale, IA, 50322 | 48.2 | |
| Farmers | Lonnie Carrick | 207 N 5th St, Guthrie Center, IA, 50115 | 46.8 | |
| Allstate | Charles Webb | 1355 50th St Ste 300, West Des Moines, IA, 50266 | 46.0 | |
| State Farm | Ben Adamson | 300 Russell St, Creston, IA, 50801-3023 | 6.9 | |
| State Farm | Terry Taylor | 4115 University Ave Ste 100, Des Moines, IA, 50311-3574 | 49.4 | |
| Allstate | Timothy Brehm | 2929 Merle Hay Rd, Des Moines, IA, 50310 | 49.9 | |
| State Farm | Megan Roberts | 912 E 7th St, Atlantic, IA, 50022-1806 | 47.1 | |
| State Farm | Teri Johnston | 416 E. Main, Lamoni, IA, 50140 | 32.5 | |
| State Farm | Brad Van Meter | 4229 Fleur Dr, Des Moines, IA, 50321-2325 | 47.4 | |
| Travelers | Dupont | 12421 Meredith Dr, Urbandale, IA, 50398 | 48.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Iowa | $137,200 | $829 | $560 | $1,170 | $610 |
| Union County, IA | $94,300 | $629 | $420 | $870 | $450 |
| Union County, IA | $94,300 | $629 | $430 | $900 | $470 |
| Ellston, IA | $48,800 | $453 | $310 | $640 | $330 |
| Waubonsie, IA | $54,000 | $482 | $320 | $680 | $360 |
| Lamoni, IA | $86,200 | $642 | $430 | $910 | $480 |
| High Point, IA | $82,500 | $625 | $440 | $890 | $450 |
| East, IA | $62,700 | $529 | $380 | $730 | $350 |
| Allen, MO | $110,700 | $982 | $710 | $1,380 | $670 |
| Hepburn, IA | $35,000 | $370 | $260 | $510 | $250 |
| Pilot Grove, IA | $95,000 | $679 | $500 | $940 | $440 |
| Montgomery County, IA | $81,800 | $578 | $390 | $830 | $440 |