Gavop shows you how to buy homeowners insurance in Charles City, IA by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Charles City, IA - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Rustic Ave, S Joslin St, 10th Ave, Corporate Dr, 9th Ave, Wildwood Rd, Charles St, Willow Ct, Jefferson St, Howard St | $86,500 | $70,000 | $75,000-$100,000 | $89,500 | $80,000 | $75,000-$100,000 |
| Crestview Ln, Salzer St, Jefferson, 250th St, Milwaukee St, 16th Ave, Park Lane Dr, Mitchell Line Rd, Glen Oak Cir, 21st Ave | $95,500 | $80,000 | $75,000-$100,000 | $119,000 | $100,000 | $100,000-$125,000 |
| Co Hwy T74, Maple Dr, Clark St, College Ave, Co Hwy T54, Yorkshire Blvd, Comet Dr, Quail Ave, Hildreth St, March Ave | $144,000 | $130,000 | $125,000-$150,000 | $92,500 | $80,000 | $100,000-$125,000 |
| Jung Ave, Underwood Ave, Woodhaven Ln, Miner Ave, Hwy 18/218, Waller St, Walnut Ave, Old Highway Rd, Hulin St, Plumwood Ln | $141,000 | $120,000 | $125,000-$150,000 | $123,000 | $110,000 | $100,000-$125,000 |
| Owen St, 9th St, N Grand Ave, J St, 18th Ave, Fisher St, 7th Ave, 170th St, Harwood St, Lions Dr | $73,000 | $70,000 | $50,000-$75,000 | $89,500 | $80,000 | $50,000-$75,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$97 | $511 |
| Superior Protection Discount | -$55 | $553 |
| Fire & Security Discount | -$67 | $541 |
| Hail Resistant Roof Discount | -$12 | $596 |
| Newly Constructed Home Discount | -$140 | $468 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,914 |
| Physical Damage | $2,464 |
| Hail Damage | $4,806 |
| Wind Damage | $6,051 |
| Expensive Claims | |
| Fire | $43,782 |
| Smoke | $16,887 |
| Home Insurance Company Charles City, IA | Homeowners Insurance Agency Charles City, IA | Address | Popularity Score | Distance from Charles City (miles) |
|---|---|---|---|---|
| Travelers | 1st Choice Insurance Llc | 304 South Ave Iowa Falls, Iowa Falls, IA, 50126 | 47.5 | |
| Allstate | Brian Randall | 222 1st St Nw, Mason City, IA, 50401 | 27.5 | |
| State Farm | Tom Rouse | 717 Kelly Mall # A, Charles City, IA, 50616-2225 | 0.3 | |
| State Farm | Steve Hubbard | 213 E San Marnan Dr, Waterloo, IA, 50702-5839 | 45.0 | |
| Travelers | A & J Petersburg Agency | 106 College Dr, Decorah, IA, 52101 | 47.5 | |
| Travelers | Mason City All Risk Insurance Inc | 1415 S Monroe Ave Mason City, Mason City, IA, 50401 | 27.6 | |
| State Farm | Craig Eisenman | 1429 Main St, Osage, IA, 50461-1822 | 16.4 | |
| State Farm | Kim Ruter | 512 Main Ave, Clear Lake, IA, 50428-1829 | 36.0 | |
| State Farm | Tim Reed | 1219 S Frederick Ave Ste B, Oelwein, IA, 50662-3037 | 47.6 | |
| State Farm | Clint Thomas | 2790 4th St Sw, Mason City, IA, 50401-1527 | 29.3 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Iowa | $137,200 | $829 | $610 | $1,190 | $580 |
| Floyd County, IA | $102,400 | $659 | $450 | $930 | $480 |
| Charles City, IA | $89,000 | $608 | $410 | $870 | $460 |
| Pittsford, IA | $60,300 | $516 | $350 | $710 | $360 |
| Bremer County, IA | $155,100 | $738 | $490 | $1,050 | $560 |
| Lime Springs, IA | $75,700 | $594 | $400 | $850 | $450 |
| Banks, IA | $136,800 | $827 | $590 | $1,150 | $560 |
| Beaver, MN | $178,100 | $1,121 | $820 | $1,540 | $720 |
| Bristol, MN | $211,500 | $1,228 | $820 | $1,760 | $940 |
| Dover, IA | $118,600 | $768 | $550 | $1,050 | $500 |
| Evansdale, IA | $105,100 | $719 | $520 | $1,020 | $500 |
| Hayward, MN | $190,400 | $1,162 | $850 | $1,590 | $740 |
| Lansing, MN | $152,500 | $1,027 | $690 | $1,470 | $780 |