Gavop's guide to buying homeowners insurance in Algona, 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 | $36,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $60,000 | $50,000 | $50,000-$75,000 |
| 3 Bedroom | $135,000 | $120,000 | $125,000-$150,000 |
| 4 Bedroom | $99,500 | $90,000 | $75,000-$100,000 |
| 5 Bedroom | $144,000 | $140,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$122 | $557 |
| Superior Protection Discount | -$68 | $612 |
| Fire & Security Discount | -$68 | $612 |
| Hail Resistant Roof Discount | -$20 | $659 |
| Newly Constructed Home Discount | -$190 | $489 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $7,834 |
| Hail Damage | $5,426 |
| Wind Damage | $10,316 |
| Expensive Claims | |
| Fire | $36,411 |
| Accidental Discharge/Leakage | $8,798 |
| Optional Coverage Losses | $8,156 |
| Home Insurance Company Algona, IA | Homeowners Insurance Agency Algona, IA | Address | Popularity Score | Distance from Algona (miles) |
|---|---|---|---|---|
| State Farm | Garry Slota | 521 S Grand Ave, Spencer, IA, 51301-5333 | 46.4 | |
| State Farm | David Olson | 2020 Main St, Emmetsburg, IA, 50536-2443 | 22.8 | |
| Travelers | First Gabrielson Agency | 113 River Ave N, Belmond, IA, 50421 | 34.8 | |
| Travelers | Kingsgate Insurance Center Inc | 114 N 25th St, Fort Dodge, IA, 50501 | 39.1 | |
| Travelers | Northwest Consultants Inc | 1717 8th Ave N, Humboldt, IA, 50548 | 23.7 | |
| Travelers | Pmc Advantage Insurance Services Inc | 219 E State St Algona, Corwith, IA, 50511 | 15.0 | |
| Travelers | Calvert Singer Kelley Ins | 148 N 9th St, Fort Dodge, IA, 50501 | 39.2 | |
| Travelers | Kingsgate Insurance Center Inc | 126 N 25th St, Fort Dodge, IA, 50501 | 39.1 | |
| State Farm | Rick Atkinson | 302 E State St, Algona, IA, 50511-2738 | 0.4 | |
| Travelers | Northwest Consultants Inc | 220 South Broadway, West Bend, IA, 50597 | 13.5 |
| 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 |
| Kossuth County, IA | $104,300 | $666 | $490 | $940 | $450 |
| Algona, IA | $130,800 | $680 | $500 | $930 | $430 |
| Wesley, IA | $86,800 | $644 | $460 | $910 | $450 |
| Fern Valley, IA | $209,600 | $999 | $710 | $1,430 | $720 |
| Lakota, IA | $34,300 | $366 | $270 | $500 | $230 |
| Dakota City, IA | $82,000 | $623 | $420 | $880 | $460 |
| Ceylon, MN | $32,000 | $317 | $230 | $440 | $210 |
| Meservey, IA | $55,500 | $491 | $360 | $700 | $340 |
| Thornton, IA | $67,600 | $554 | $400 | $790 | $390 |
| Bristol, IA | $90,800 | $661 | $480 | $950 | $470 |
| Mansfield, MN | $115,600 | $863 | $590 | $1,180 | $590 |
| Spencer, IA | $123,800 | $660 | $440 | $910 | $470 |