Gavop's guide to buying homeowners insurance in Waverly, 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 | $50,000 | $40,000 | $50,000-$75,000 |
| 2 Bedroom | $100,500 | $80,000 | $100,000-$125,000 |
| 3 Bedroom | $111,500 | $100,000 | $100,000-$125,000 |
| 4 Bedroom | $197,500 | $160,000 | $175,000-$200,000 |
| 5 Bedroom | $293,000 | $240,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$106 | $652 |
| Superior Protection Discount | -$68 | $689 |
| Fire & Security Discount | -$61 | $697 |
| Hail Resistant Roof Discount | -$15 | $743 |
| Newly Constructed Home Discount | -$182 | $576 |
| 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 |
| Bremer County | $2,000 | $729 | $2,729 | $530 | $2,530 | $199 |
| Waverly, IA | $1,000 | $749 | $1,749 | $544 | $1,544 | $205 |
| Greene, IA | $300 | $608 | $908 | $442 | $742 | $166 |
| Elk Run Heights, IA | $700 | $807 | $1,507 | $587 | $1,287 | $221 |
| Oran, IA | $200 | $880 | $1,080 | $640 | $840 | $241 |
| Aplington, IA | $2,000 | $666 | $2,666 | $484 | $2,484 | $182 |
| St. Charles, IA | $200 | $944 | $1,144 | $686 | $886 | $258 |
| Waucoma, IA | $1,000 | $559 | $1,559 | $406 | $1,406 | $153 |
| Mott, IA | $300 | $941 | $1,241 | $684 | $984 | $257 |
| Winthrop, IA | $700 | $663 | $1,363 | $482 | $1,182 | $181 |
| Rock Falls, IA | $100 | $767 | $867 | $557 | $657 | $210 |
| Howard Center, IA | $1,500 | $899 | $2,399 | $653 | $2,153 | $246 |
| Home Insurance Company Waverly, IA | Homeowners Insurance Agency Waverly, IA | Address | Popularity Score | Distance from Waverly (miles) |
|---|---|---|---|---|
| Travelers | 1st Choice Insurance Llc | 304 S Ave, Iowa Falls, IA, 50126 | 42.1 | |
| State Farm | Kent Chesmore | 10 W 4th St Ste 20, Waterloo, IA, 50701-5428 | 17.2 | |
| State Farm | Brenda Meyer | 1231 4th St Sw, Waverly, IA, 50677-4322 | 0.9 | |
| State Farm | Doc Holiday | 213 S Cherry St, Shell Rock, IA, 50670-7759 | 5.8 | |
| Travelers | Town & Country Insurance Agency | 711 Main St, Osage, IA, 50461 | 42.3 | |
| Travelers | Peoples Insurance Agency Ltd | 1700 8th St Sw, Waverly, IA, 50677 | 1.3 | |
| Travelers | Lsb Financial Services Inc | 242 Tower Park Dr, Waterloo, IA, 50701 | 19.4 | |
| State Farm | Doc Holiday Clu | 213 S Cherry Street, Shell Rock, IA, 50670 | 5.8 | |
| Travelers | Peoples Insurance Agency Ltd | 1700 8th St Sw, Waverly, IA, 50677 | 1.3 | |
| Travelers | Grant Insurance | 112 West Bremer Ave, Waverly, IA, 50677 | 0.2 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Iowa | $137,200 | $829 | $600 | $1,150 | $550 |
| Bremer County, IA | $155,100 | $738 | $530 | $1,030 | $500 |
| Waverly, IA | $164,000 | $758 | $520 | $1,040 | $520 |
| Greene, IA | $80,300 | $615 | $420 | $880 | $460 |
| Elk Run Heights, IA | $133,400 | $817 | $580 | $1,120 | $540 |
| Oran, IA | $159,900 | $891 | $610 | $1,240 | $630 |
| Aplington, IA | $93,800 | $674 | $480 | $960 | $480 |
| St. Charles, IA | $187,500 | $955 | $640 | $1,320 | $680 |
| Waucoma, IA | $70,000 | $566 | $390 | $810 | $420 |
| Mott, IA | $185,900 | $952 | $690 | $1,300 | $610 |
| Winthrop, IA | $93,100 | $671 | $450 | $950 | $500 |
| Rock Falls, IA | $120,800 | $776 | $550 | $1,090 | $540 |
| Howard Center, IA | $167,400 | $910 | $610 | $1,260 | $650 |