Gavop's guide to buying homeowners insurance in Winterset, 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.
| Winterset, IA - Neighbourhoods, Census Blocks & Streets | 2 Bedroom | 3 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| W Fremont St, 9th Ave, Howell Ct, Cotton Wood Ave, Cottonwood Ave, Co Rd G8P, W Summit St, E Market St, S Chestnut Ave, Co Rd R35 | $116,000 | $100,000 | $100,000-$125,000 | $133,500 | $120,000 | $150,000-$175,000 |
| Pioneer Ave, Florence Ave, N 5th Ave, N 8th St, S 4th St, Holliwell Br Rd, N 4th St, Church St, E Clanton St, 323rd Ln | $129,500 | $120,000 | $125,000-$150,000 | $187,000 | $170,000 | $175,000-$200,000 |
| S 16th Ave, 187th St, W Garfield St, Co Rd G53, W River Rd, 265th St, Kiowa Ave, 137th St, 175th Ln, S Cross St | $115,500 | $110,000 | $125,000-$150,000 | $160,500 | $130,000 | $175,000-$200,000 |
| Clanton Creek Ln, Hogback Bridge Rd, Park St, N John Wayne Dr, 295th St, Oak Ave, E Center St, N 5th St, N John Wayne Dr, 195th Trl | $212,500 | $180,000 | $175,000-$200,000 | $161,500 | $150,000 | $175,000-$200,000 |
| NW Walnut Ave, 110th Ln, 160th St, N 7th St, E North St, Cedar Ave, Williamson St, E Lane St, 176th Ct, SW Locust Ave | $111,500 | $100,000 | $100,000-$125,000 | $152,000 | $140,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$127 | $577 |
| Superior Protection Discount | -$70 | $633 |
| Fire & Security Discount | -$56 | $647 |
| Hail Resistant Roof Discount | -$14 | $689 |
| Newly Constructed Home Discount | -$155 | $548 |
| 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 |
| Madison County | $1,000 | $741 | $1,741 | $539 | $1,539 | $203 |
| Winterset, IA | $1,500 | $695 | $2,195 | $505 | $2,005 | $190 |
| Adams, IA | $300 | $1,109 | $1,409 | $806 | $1,106 | $303 |
| Afton, IA | $2,000 | $575 | $2,575 | $418 | $2,418 | $157 |
| Johnston, IA | $200 | $884 | $1,084 | $642 | $842 | $242 |
| Ackworth, IA | $1,500 | $1,072 | $2,572 | $779 | $2,279 | $293 |
| Jefferson, IA | $500 | $901 | $1,401 | $655 | $1,155 | $246 |
| Tingley, IA | $1,500 | $502 | $2,002 | $365 | $1,865 | $137 |
| Palestine, IA | $500 | $762 | $1,262 | $554 | $1,054 | $208 |
| Poweshiek, IA | $700 | $917 | $1,617 | $666 | $1,366 | $251 |
| Marion County, IA | $200 | $821 | $1,021 | $597 | $797 | $224 |
| Grand Junction, IA | $2,500 | $506 | $3,006 | $368 | $2,868 | $138 |
| Home Insurance Company Winterset, IA | Homeowners Insurance Agency Winterset, IA | Address | Popularity Score | Distance from Winterset (miles) |
|---|---|---|---|---|
| State Farm | Robert Carr | 13435 University Ave Ste 550, Clive, IA, 50325-8252 | 20.6 | |
| Liberty Mutual Independent | Jones Insurance & Associates | 2932 104th St, Urbandale, IA, 50322 | 23.0 | |
| Travelers | Brown Mcnerney Johnson Insurance Agency | 6150 Village View Dr Ste 100, West Des Moines, IA, 50266 | 18.9 | |
| State Farm | Corey Chancellor | 4436 E University Ave, Pleasant Hill, IA, 50327-1701 | 30.7 | |
| Liberty Mutual Independent | Bearence Management Group | 1045 76th Street Ste 4000 West Des Moines, West Des Moines, IA, 50266 | 19.4 | |
| Allstate | Dee Mcknight | 814 8th St Ste 1, Boone, IA, 50036 | 49.8 | |
| Travelers | Midwest Heritage Insurance Services | 1025 Braden Ave, Chariton, IA, 50049 | 43.6 | |
| Allstate | Betty Bebout | 3636 Westown Pkwy Ste 101, West Des Moines, IA, 50266 | 21.7 | |
| Liberty Mutual Independent | Bearence Management Group | 1045 76th St Ste 4000, West Des Moines, IA, 50266 | 19.4 | |
| Liberty Mutual Independent | Reynolds & Reynolds Inc | 300 Walnut St Ste 200, Des Moines, IA, 50309 | 26.3 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Iowa | $137,200 | $829 | $590 | $1,140 | $550 |
| Madison County, IA | $160,400 | $750 | $500 | $1,060 | $560 |
| Winterset, IA | $140,000 | $703 | $490 | $990 | $500 |
| Adams, IA | $283,800 | $1,122 | $820 | $1,580 | $760 |
| Afton, IA | $73,300 | $582 | $400 | $830 | $430 |
| Johnston, IA | $248,100 | $895 | $620 | $1,230 | $610 |
| Ackworth, IA | $260,700 | $1,085 | $740 | $1,500 | $760 |
| Jefferson, IA | $261,600 | $912 | $650 | $1,250 | $600 |
| Tingley, IA | $58,800 | $508 | $370 | $730 | $360 |
| Palestine, IA | $170,600 | $771 | $520 | $1,060 | $540 |
| Poweshiek, IA | $175,000 | $928 | $670 | $1,290 | $620 |
| Marion County, IA | $146,900 | $831 | $600 | $1,140 | $540 |
| Grand Junction, IA | $59,500 | $512 | $350 | $730 | $380 |