How Can I Make My Waterloo, IA Home Insurance Cheaper
Gavop tells you how to get the best homeowners insurance in Waterloo, IA by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
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Select the Suitable Coverage Value for your Waterloo, IA Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $39,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $133,000 | $130,000 | $125,000-$150,000 |
| 3 Bedroom | $161,000 | $130,000 | $150,000-$175,000 |
| 4 Bedroom | $141,500 | $130,000 | $125,000-$150,000 |
| 5 Bedroom | $361,000 | $330,000 | $350,000-$400,000 |
Estimate your Savings with Home Insurance Discounts in Waterloo, IA | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$108 | $610 |
| Superior Protection Discount | -$72 | $646 |
| Fire & Security Discount | -$65 | $653 |
| Hail Resistant Roof Discount | -$22 | $696 |
| Newly Constructed Home Discount | -$187 | $531 |
Choose the Right Deductible for your Waterloo, 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 |
| Black Hawk County | $1,000 | $800 | $1,800 | $582 | $1,582 | $219 |
| Waterloo, IA | $1,500 | $709 | $2,209 | $515 | $2,015 | $194 |
| Poyner, IA | $500 | $893 | $1,393 | $649 | $1,149 | $244 |
| Lester, IA | $1,000 | $870 | $1,870 | $633 | $1,633 | $238 |
| Westburg, IA | $400 | $990 | $1,390 | $719 | $1,119 | $271 |
| Benton County, IA | $2,500 | $713 | $3,213 | $518 | $3,018 | $195 |
| Melrose, IA | $200 | $865 | $1,065 | $628 | $828 | $236 |
| Dumont, IA | $2,000 | $490 | $2,490 | $356 | $2,356 | $134 |
| Chickasaw County, IA | $500 | $661 | $1,161 | $480 | $980 | $181 |
| Luzerne, IA | $700 | $855 | $1,555 | $621 | $1,321 | $234 |
| Monroe, IA | $400 | $831 | $1,231 | $604 | $1,004 | $227 |
Identify Top Home Insurance Agents near Waterloo, IA | Back to Top
| Home Insurance Company Waterloo, IA | Homeowners Insurance Agency Waterloo, IA | Address | Popularity Score | Distance from Waterloo (miles) |
|---|---|---|---|---|
| State Farm | Christel Manson | 1935 E Ridgeway Ave, Waterloo, IA, 50702-3531 | 2.1 | |
| State Farm | Kent Chesmore | 10 W 4th St Ste 20, Waterloo, IA, 50701-5428 | 0.7 | |
| State Farm | Dave Hansen | 334 E Ridgeway Ave, Waterloo, IA, 50702-5042 | 1.6 | |
| State Farm | Tom Rouse | 717 Kelly Mall # A, Charles City, IA, 50616-2225 | 43.1 | |
| Allstate | Scott Parsons | 3207 Cedar Heights Dr, Cedar Falls, IA, 50613 | 3.2 | |
| State Farm | Steve Hubbard | 213 E San Marnan Dr, Waterloo, IA, 50702-5839 | 2.4 | |
| Allstate | Teri Jeter | 560 Boyson Rd Ne Ste C, Cedar Rapids, IA, 52402 | 47.7 | |
| State Farm | Matt Haak | 2741 University Ave, Waterloo, IA, 50701-3333 | 1.6 | |
| Farmers | Tara Kinder | 209 Franklin St Ste A3, Cedar Falls, IA, 50613 | 5.8 | |
| Allstate | Scott Parsons | 1120 W 4th St, Waterloo, IA, 50702 | 0.3 |
Compare Rates for Waterloo, 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 | $1,170 | $600 |
| Black Hawk County, IA | $139,300 | $810 | $580 | $1,160 | $580 |
| Waterloo, IA | $110,700 | $718 | $520 | $1,000 | $480 |
| Poyner, IA | $165,000 | $904 | $620 | $1,260 | $640 |
| Lester, IA | $155,700 | $881 | $600 | $1,220 | $620 |
| Westburg, IA | $211,100 | $1,002 | $690 | $1,410 | $720 |
| Benton County, IA | $147,800 | $722 | $500 | $1,030 | $530 |
| Melrose, IA | $153,400 | $875 | $600 | $1,220 | $620 |
| Dumont, IA | $56,500 | $496 | $360 | $680 | $320 |
| Chickasaw County, IA | $105,100 | $669 | $480 | $930 | $450 |
| Luzerne, IA | $150,000 | $865 | $610 | $1,240 | $630 |
| Monroe, IA | $210,800 | $841 | $610 | $1,150 | $540 |
Research Home Insurance Companies Reviews in Waterloo, IA Before Buying | Back to Top
Share a review on your home insurance company
State Farm Home Insurance Reviews
Date: October 21, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
I have a great deductable amout for what my plan covers. The deductible is low enough i am not affraid to make a claim due to finances.
Date: July 06, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Premium
While there is not a large difference between the premiums of my current insurance and others, I have always been satisfied with my current insurance company.
Date: December 28, 2018 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Policy Offerings
Yearly we reexam my insurance needs by going over the entire policy to determine what I need to add or what I can eleiminate. This works out well for me and keeps me up to date.
Farm Bureau Home Insurance Reviews
Date: January 09, 2020 Age: 40 to 49 Gender: Male Marital Status: Married
Policy Offerings
I believe my home owners policy is the best around. There price and commitment to customer satisfaction is far and above other companies.
Other insurance companies cannot compete with farm bureau.
AAA Home Insurance Reviews
Date: November 12, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Policy Offerings
We have everything covered. We have flood insurance too. We have all of our personal property covered as well.
Progressive Home Insurance Reviews
Date: November 20, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
The premium and deductible are fair for my typical coverage. They're exactly what I would expect and seem to be industry standard from shopping around.
Nationwide Home Insurance Reviews
Date: December 23, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Policy Offerings
Nationwide offers a range of products and services regarding home insurance protection, however other companies offer a little extra more for a slightly higher price.
Liberty Mutual Home Insurance Reviews
Date: August 12, 2019 Age: 20 to 29 Gender: Female Marital Status: Married
Premium
I have had a good experience with liberty mutual, they have always stuck to the terms of the contract and recently helped me fix my AC for only $40 wow.
Allstate Home Insurance Reviews
Date: April 02, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Customer Service
Myself and my housemate are very satisfied with the service of allstate. Anytime we have questions we can call and they pick up rather quickly and are helpful.
Travelers Home Insurance Reviews
Date: October 28, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Premium
The premium offered by this company is very much less as compared to other insurance companies in the market. It offers a good variety of services.
GEICO Home Insurance Reviews
Date: October 12, 2019 Age: 50 to 59 Gender: Female Marital Status: Married
Customer Service
I am satisfied with Geico's insurance company and my policy. I have not had to use them for anything but whenever I call I feel like a valued customer.
Donegal Mutual Insurance Company Home Insurance Reviews
Date: May 24, 2019 Age: Above 60 Gender: Unmarried Marital Status: Female
Premium
My premium and the deductible is just about the same as every other home insurance company out there. I did have a discount on the premium.
Farmer's Insurance Home Insurance Reviews
Date: February 05, 2019 Age: 20 to 29 Gender: Male Marital Status: Married
Customer Service
Farmers Insurance- Brett Custer Company of America reviews to learn about the experiences customers have had with the company