Gavop's guide to buying homeowners insurance in Hardin County, 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $47,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $78,000 | $60,000 | $75,000-$100,000 |
| 3 Bedroom | $138,000 | $120,000 | $125,000-$150,000 |
| 4 Bedroom | $152,000 | $120,000 | $125,000-$150,000 |
| 5 Bedroom | $143,500 | $120,000 | $125,000-$150,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$93 | $525 |
| Superior Protection Discount | -$62 | $556 |
| Fire & Security Discount | -$56 | $562 |
| Hail Resistant Roof Discount | -$19 | $599 |
| Newly Constructed Home Discount | -$154 | $463 |
| 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 |
| Hardin County | $1,000 | $610 | $1,610 | $443 | $1,443 | $167 |
| Hardin County, IA | $700 | $610 | $1,310 | $443 | $1,143 | $167 |
| Geneva, IA | $200 | $475 | $675 | $345 | $545 | $130 |
| Story County, IA | $1,500 | $875 | $2,375 | $636 | $2,136 | $239 |
| Ames, IA | $100 | $905 | $1,005 | $658 | $758 | $247 |
| Butler County, IA | $700 | $685 | $1,385 | $497 | $1,197 | $187 |
| Le Grand, IA | $300 | $761 | $1,061 | $553 | $853 | $208 |
| Duncombe, IA | $1,500 | $545 | $2,045 | $396 | $1,896 | $149 |
| Mariposa, IA | $300 | $897 | $1,197 | $652 | $952 | $245 |
| Webster County, IA | $2,500 | $652 | $3,152 | $474 | $2,974 | $178 |
| Ankeny, IA | $300 | $926 | $1,226 | $673 | $973 | $253 |
| Home Insurance Company Hardin County, IA | Homeowners Insurance Agency Hardin County, IA | Address | Popularity Score | Distance from Hardin County (miles) |
|---|---|---|---|---|
| Travelers | 1st Choice Insurance Llc | 304 South Ave Iowa Falls, Iowa Falls, IA, 50126 | 9.0 | |
| Allstate | Tony Strang | 107 Ne Delaware Ave Ste 5, Ankeny, IA, 50021 | 48.6 | |
| State Farm | Christel Manson | 1935 E Ridgeway Ave, Waterloo, IA, 50702-3531 | 47.2 | |
| Travelers | 1st Choice Insurance Llc | 304 S Ave, Iowa Falls, IA, 50126 | 9.0 | |
| Travelers | Triplett Companies | 323 Fifth St, Ames, IA, 50010 | 31.6 | |
| Allstate | Janel Ketelsen | 110 N Ankeny Blvd # 700, Ankeny, IA, 50023 | 49.0 | |
| State Farm | Lonnie Portner | 123 E 2nd St S, Newton, IA, 50208-3729 | 48.7 | |
| Allstate | Scott Parsons | 1120 W 4th St, Waterloo, IA, 50702 | 46.0 | |
| State Farm | Brandon Geise | 617 Broad St, Story City, IA, 50248-1200 | 22.9 | |
| State Farm | Tim Walker | 1318 14th Avenue, Eldora, IA, 50627 | 7.5 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Iowa | $137,200 | $829 | $610 | $1,140 | $530 |
| Hardin County, IA | $91,300 | $618 | $440 | $850 | $410 |
| Hardin County, IA | $91,300 | $618 | $430 | $880 | $450 |
| Geneva, IA | $53,800 | $481 | $330 | $680 | $350 |
| Story County, IA | $172,900 | $886 | $600 | $1,260 | $660 |
| Ames, IA | $187,000 | $916 | $630 | $1,310 | $680 |
| Butler County, IA | $112,100 | $693 | $480 | $980 | $500 |
| Le Grand, IA | $119,200 | $770 | $520 | $1,090 | $570 |
| Duncombe, IA | $67,300 | $552 | $400 | $760 | $360 |
| Mariposa, IA | $166,700 | $908 | $620 | $1,260 | $640 |
| Webster County, IA | $95,300 | $660 | $460 | $900 | $440 |
| Ankeny, IA | $197,500 | $937 | $630 | $1,290 | $660 |