How Can I Make My Ottumwa, IA Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Ottumwa, 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.
Compare Quotes from Top Providers and Save now!
Select the Suitable Coverage Value for your Ottumwa, IA Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $35,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $76,500 | $70,000 | $75,000-$100,000 |
| 3 Bedroom | $77,500 | $70,000 | $50,000-$75,000 |
| 4 Bedroom | $143,500 | $120,000 | $125,000-$150,000 |
| 5 Bedroom | $196,000 | $180,000 | $150,000-$175,000 |
Estimate your Savings with Home Insurance Discounts in Ottumwa, IA | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$147 | $668 |
| Superior Protection Discount | -$81 | $733 |
| Fire & Security Discount | -$57 | $758 |
| Hail Resistant Roof Discount | -$24 | $790 |
| Newly Constructed Home Discount | -$212 | $603 |
Choose the Right Deductible for your Ottumwa, IA Home | Back to Top
| 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 |
| Wapello County | $2,500 | $896 | $3,396 | $651 | $3,151 | $245 |
| Ottumwa, IA | $2,000 | $805 | $2,805 | $585 | $2,585 | $220 |
| Drakesville, IA | $500 | $633 | $1,133 | $460 | $960 | $173 |
| Oskaloosa, IA | $2,000 | $625 | $2,625 | $454 | $2,454 | $171 |
| Moravia, IA | $500 | $553 | $1,053 | $402 | $902 | $151 |
| Mahaska County, IA | $700 | $678 | $1,378 | $493 | $1,193 | $185 |
| Milton, IA | $100 | $429 | $529 | $312 | $412 | $117 |
| Leighton, IA | $700 | $721 | $1,421 | $524 | $1,224 | $197 |
| Seventy-Six, IA | $100 | $867 | $967 | $630 | $730 | $237 |
| Salem, IA | $1,000 | $530 | $1,530 | $385 | $1,385 | $145 |
| Iowa County, IA | $400 | $704 | $1,104 | $511 | $911 | $192 |
| Williamsburg, IA | $1,500 | $875 | $2,375 | $636 | $2,136 | $239 |
Identify Top Home Insurance Agents near Ottumwa, IA | Back to Top
| Home Insurance Company Ottumwa, IA | Homeowners Insurance Agency Ottumwa, IA | Address | Popularity Score | Distance from Ottumwa (miles) |
|---|---|---|---|---|
| State Farm | Kelli Steil | 312 A Ave E, Oskaloosa, IA, 52577-2818 | 22.1 | |
| Farmers | Shauna Vantomme | 203 N Monroe St, Monroe, IA, 50170 | 49.4 | |
| Farmers | Lori Mason | 112 N Court St, Ottumwa, IA, 52501 | 0.7 | |
| Travelers | Midwest Heritage Insurance Services | 1010 Court Avenue, Chariton, IA, 50049 | 46.3 | |
| Travelers | Midwest Heritage Insurance Services | 1025 Braden Ave, Chariton, IA, 50049 | 46.3 | |
| State Farm | Kevin Van Wyk | 606 Oskaloosa St, Pella, IA, 50219-2135 | 36.5 | |
| State Farm | Jim Carnahan | 522 Richmond Ave, Ottumwa, IA, 52501-4121 | 1.1 | |
| Allstate | David Weilbrenner | 425 W 2nd St, Ottumwa, IA, 52501 | 0.4 | |
| State Farm | Jim Carnahan | 110 N Madison Ave, Bloomfield, IA, 52537 | 18.7 | |
| State Farm | Rodger Redden | 120 E Washington St, Sigourney, IA, 52591-1445 | 24.3 |
Compare Rates for Ottumwa, IA Home Insurance Providers | Back to Top
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Iowa | $137,200 | $829 | $570 | $1,140 | $570 |
| Wapello County, IA | $81,000 | $907 | $640 | $1,240 | $600 |
| Ottumwa, IA | $73,400 | $815 | $550 | $1,170 | $620 |
| Drakesville, IA | $86,000 | $641 | $440 | $920 | $480 |
| Oskaloosa, IA | $95,200 | $632 | $460 | $870 | $410 |
| Moravia, IA | $68,900 | $560 | $410 | $800 | $390 |
| Mahaska County, IA | $110,100 | $686 | $470 | $950 | $480 |
| Milton, IA | $45,500 | $434 | $320 | $610 | $290 |
| Leighton, IA | $108,000 | $730 | $490 | $1,010 | $520 |
| Seventy-Six, IA | $154,700 | $878 | $600 | $1,210 | $610 |
| Salem, IA | $64,000 | $536 | $390 | $770 | $380 |
| Iowa County, IA | $143,900 | $712 | $480 | $980 | $500 |
| Williamsburg, IA | $157,700 | $886 | $590 | $1,270 | $680 |
Research Home Insurance Companies Reviews in Ottumwa, IA Before Buying | Back to Top
Share a review on your home insurance company
Allstate Home Insurance Reviews
Date: December 09, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Customer Service
I feel the customer service is at minimum on par with other companies. I have had issues in the past that were competently and quickly resolved.
Date: November 01, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Communication
There is very minimal amount of communication with my insurance company. I've only received emails from them.
State Farm Home Insurance Reviews
Date: January 21, 2019 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Policy Offerings
I feel it's fairly comparable with good pricing. I would have to say I'm not 100% though as I guess I've never compared them or been provided that information.