Gavop's guide to buying homeowners insurance in Decorah, 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 | $60,000 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $132,000 | $120,000 | $125,000-$150,000 |
| 3 Bedroom | $113,000 | $90,000 | $100,000-$125,000 |
| 4 Bedroom | $255,000 | $240,000 | $200,000-$250,000 |
| 5 Bedroom | $376,000 | $350,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$124 | $651 |
| Superior Protection Discount | -$70 | $706 |
| Fire & Security Discount | -$70 | $706 |
| Hail Resistant Roof Discount | -$23 | $752 |
| Newly Constructed Home Discount | -$178 | $597 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,794 |
| Physical Damage | $2,488 |
| Hail Damage | $4,948 |
| Wind Damage | $6,178 |
| Expensive Claims | |
| Fire | $43,782 |
| Smoke | $16,051 |
| Home Insurance Company Decorah, IA | Homeowners Insurance Agency Decorah, IA | Address | Popularity Score | Distance from Decorah (miles) |
|---|---|---|---|---|
| State Farm | Paul Hudson | 712 E Broadway Street, Decorah, IA, 52101-1732 | 0.3 | |
| Travelers | A & J Petersburg Agency | 106 College Dr, Decorah, IA, 52101 | 0.7 | |
| State Farm | Bill Bouska | 319 Highway 150 N, West Union, IA, 52175-1048 | 23.2 | |
| State Farm | Tom Fick | 26 W Charles St, Oelwein, IA, 50662-1642 | 43.5 | |
| State Farm | Scott Houg | 111 Rossville Rd, Waukon, IA, 52172-1935 | 15.6 | |
| State Farm | Paul Hudson | 712 E Broadway St Ste A, Decorah, IA, 52101-1915 | 0.3 | |
| Travelers | A & J Petersburg Agency | 106 College Dr, Decorah, IA, 52101 | 0.7 | |
| State Farm | Don Dietzenbach | 309 2nd Ave Sw, Cresco, IA, 52136-1843 | 17.8 | |
| Travelers | Melrose Insurance Center | 206 N Main Street, Suite 1a Charles City, Charles City, IA, 50616 | 48.1 | |
| Travelers | Melrose Insurance Center | 206 N Main St Suite 1a, Charles City, IA, 50616 | 48.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Iowa | $137,200 | $829 | $590 | $1,150 | $560 |
| Winneshiek County, IA | $161,500 | $753 | $550 | $1,050 | $500 |
| Decorah, IA | $172,900 | $775 | $570 | $1,090 | $520 |
| Calmar, IA | $135,600 | $824 | $600 | $1,160 | $560 |
| Ridgeway, IA | $99,100 | $696 | $470 | $1,000 | $530 |
| Maynard, IA | $75,800 | $594 | $430 | $830 | $400 |
| Mound Prairie, MN | $186,400 | $1,149 | $820 | $1,620 | $800 |
| Cox Creek, IA | $142,600 | $845 | $620 | $1,170 | $550 |
| Oelwein, IA | $67,900 | $815 | $550 | $1,120 | $570 |
| Hamburg, WI | $240,600 | $775 | $530 | $1,110 | $580 |
| Clayton, MN | $162,500 | $1,065 | $730 | $1,480 | $750 |
| Stacyville, IA | $79,000 | $609 | $440 | $840 | $400 |
| Dover, MN | $157,000 | $1,044 | $760 | $1,430 | $670 |