Gavop's guide to buying homeowners insurance in Spencer, 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.
| Spencer, 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 | |
| E 10th St, Ocheyedan St, E Saint Marys St, 380th St, Pleasant Ln, 3rd Ave W, State Hwy 240, E 19th St, 510th St, 115th Ave | $105,500 | $100,000 | $100,000-$125,000 | $62,000 | $60,000 | $50,000-$75,000 |
| 1st Ave SW, W 10th St, 492nd St, Deloss Ct, 490th St, E 21st St, 200th Ave, E 24th St, E 2nd St, Co Hwy B24 | $131,500 | $120,000 | $100,000-$125,000 | $52,000 | $40,000 | $50,000-$75,000 |
| 8th St SW, W 9th St, Saint Luke Dr, 6th Ave SW, W 23rd St, 2nd Ave W, W 2nd St, 2nd Ave SW, 350th Ave, S Adams St | $180,000 | $150,000 | $150,000-$175,000 | $127,000 | $120,000 | $125,000-$150,000 |
| Thunder Bridge Rd, Kristin Dr, 440th St, 195th Ave, 4th Ave SE, N Adams St, A Ave E, E 12th St, S Main St, Lincoln St | $78,500 | $70,000 | $75,000-$100,000 | $75,500 | $60,000 | $75,000-$100,000 |
| Grand Ave, 7th Ave E, 420th St, E 1st St, E 14th St, 4th St SW, 35th Ave W, 485th St, W 3rd St, 7th St SW | $103,500 | $80,000 | $100,000-$125,000 | $117,500 | $110,000 | $125,000-$150,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$112 | $548 |
| Superior Protection Discount | -$59 | $601 |
| Fire & Security Discount | -$46 | $614 |
| Hail Resistant Roof Discount | -$20 | $640 |
| Newly Constructed Home Discount | -$191 | $469 |
| 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 |
| Clay County | $2,500 | $696 | $3,196 | $506 | $3,006 | $190 |
| Spencer, IA | $700 | $652 | $1,352 | $474 | $1,174 | $178 |
| Ruthven, IA | $500 | $523 | $1,023 | $380 | $880 | $143 |
| Barnes, IA | $1,500 | $467 | $1,967 | $340 | $1,840 | $128 |
| Truesdale, IA | $100 | $426 | $526 | $309 | $409 | $116 |
| Des Moines, MN | $700 | $1,203 | $1,903 | $875 | $1,575 | $329 |
| Jackson, MN | $300 | $820 | $1,120 | $596 | $896 | $224 |
| Dolliver, IA | $2,500 | $407 | $2,907 | $296 | $2,796 | $111 |
| Jay, MN | $100 | $1,119 | $1,219 | $813 | $913 | $306 |
| Diamond, IA | $2,000 | $848 | $2,848 | $616 | $2,616 | $232 |
| Wheeler, IA | $400 | $596 | $996 | $433 | $833 | $163 |
| Fraser, MN | $700 | $1,169 | $1,869 | $849 | $1,549 | $319 |
| Home Insurance Company Spencer, IA | Homeowners Insurance Agency Spencer, IA | Address | Popularity Score | Distance from Spencer (miles) |
|---|---|---|---|---|
| State Farm | Scott Trautman | 3605 Highway 71, Spirit Lake, IA, 51360-7298 | 18.0 | |
| Farmers | Lezlie Boetel | 2005 18th St, Spirit Lake, IA, 51360 | 19.1 | |
| State Farm | Dick Mataloni | 1025 2nd Ave, Sibley, IA, 51249-1506 | 34.8 | |
| State Farm | Janelle Van Meveren | 1807 Norris Pl, Spencer, IA, 51301-3451 | 0.5 | |
| Allstate | Dean Barnes | 201 W 7th St, Spencer, IA, 51301 | 0.3 | |
| State Farm | Garry Slota | 521 S Grand Ave, Spencer, IA, 51301-5333 | 1.1 | |
| Travelers | Northwest Consultants Inc | 301 N Main, Everly, IA, 51338 | 8.9 | |
| Travelers | Powers Insurance Agency Inc | 704 W Elm Ave, Pocahontas, IA, 50574 | 37.3 | |
| State Farm | Rick Atkinson | 302 E State St, Algona, IA, 50511-2738 | 46.8 | |
| Travelers | M H R Inc | 923 Okoboji Ave, Milford, IA, 51351 | 12.3 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Iowa | $137,200 | $829 | $590 | $1,180 | $590 |
| Clay County, IA | $115,700 | $705 | $470 | $990 | $520 |
| Spencer, IA | $123,800 | $660 | $480 | $900 | $420 |
| Ruthven, IA | $62,700 | $529 | $350 | $720 | $370 |
| Barnes, IA | $52,400 | $473 | $320 | $650 | $330 |
| Truesdale, IA | $45,000 | $431 | $310 | $610 | $300 |
| Des Moines, MN | $208,300 | $1,218 | $890 | $1,730 | $840 |
| Jackson, MN | $109,100 | $830 | $560 | $1,180 | $620 |
| Dolliver, IA | $41,700 | $412 | $290 | $560 | $270 |
| Jay, MN | $181,600 | $1,133 | $800 | $1,620 | $820 |
| Diamond, IA | $147,500 | $858 | $620 | $1,230 | $610 |
| Wheeler, IA | $77,700 | $603 | $420 | $860 | $440 |
| Fraser, MN | $196,900 | $1,183 | $860 | $1,640 | $780 |