How Can I Make My Urbandale, IA Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Urbandale, 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.
Compare Quotes from Top Providers and Save now!
Select the Suitable Coverage Value for your Urbandale, IA Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $52,000 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $118,000 | $110,000 | $100,000-$125,000 |
| 3 Bedroom | $207,000 | $190,000 | $200,000-$250,000 |
| 4 Bedroom | $154,000 | $140,000 | $150,000-$175,000 |
| 5 Bedroom | $195,500 | $170,000 | $200,000-$250,000 |
Estimate your Savings with Home Insurance Discounts in Urbandale, IA | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$165 | $806 |
| Superior Protection Discount | -$87 | $883 |
| Fire & Security Discount | -$97 | $874 |
| Hail Resistant Roof Discount | -$29 | $941 |
| Newly Constructed Home Discount | -$243 | $728 |
Choose the Right Deductible for your Urbandale, IA Home | Back to Top
| 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 |
| Dallas County | $2,000 | $962 | $2,962 | $699 | $2,699 | $263 |
| Urbandale, IA | $1,000 | $959 | $1,959 | $697 | $1,697 | $262 |
| Alleman, IA | $100 | $906 | $1,006 | $658 | $758 | $248 |
| Palestine, IA | $700 | $762 | $1,462 | $554 | $1,254 | $208 |
| Warren County, IA | $100 | $873 | $973 | $634 | $734 | $238 |
| Colfax, IA | $2,500 | $677 | $3,177 | $492 | $2,992 | $185 |
| Cass, IA | $400 | $906 | $1,306 | $658 | $1,058 | $248 |
| Nevada, IA | $2,500 | $665 | $3,165 | $483 | $2,983 | $182 |
| Red Rock, IA | $100 | $951 | $1,051 | $691 | $791 | $260 |
| Menlo, IA | $2,500 | $555 | $3,055 | $404 | $2,904 | $152 |
| Newton, IA | $500 | $622 | $1,122 | $452 | $952 | $170 |
| Pilot Mound, IA | $700 | $787 | $1,487 | $572 | $1,272 | $215 |
Identify Top Home Insurance Agents near Urbandale, IA | Back to Top
| Home Insurance Company Urbandale, IA | Homeowners Insurance Agency Urbandale, IA | Address | Popularity Score | Distance from Urbandale (miles) |
|---|---|---|---|---|
| Travelers | Fortress Wealth Management | 2894 - 106th St Ste 120, Urbandale, IA, 50322 | 1.1 | |
| Allstate | Timothy Brehm | 2929 Merle Hay Rd, Des Moines, IA, 50310 | 4.4 | |
| State Farm | Tim Ford | 2217 Beaver Ave, Des Moines, IA, 50310-3959 | 5.7 | |
| State Farm | Julie Helps | 8818 Swanson Blvd., Clive, IA, 50325 | 3.0 | |
| State Farm | Ryan Clausen | 8541 Hickman Rd, Urbandale, IA, 50322-4321 | 2.7 | |
| State Farm | Mike Phillips | 4347 Merle Hay Rd Ste C, Des Moines, IA, 50310-2307 | 4.3 | |
| State Farm | Mark Courter | 6773 Hickman Rd, Des Moines, IA, 50322-4908 | 3.9 | |
| State Farm | Bob Joynes | 4150 Westown Pkwy Ste 305, Wdm, IA, 50266-5901 | 3.0 | |
| Liberty Mutual Independent | Arthur J Gallagher Risk Manag | 1415 28th St, Ste 300 West Des Moines, West Des Moines, IA, 50266 | 3.6 | |
| Travelers | Mercer Health & Benefits | 12421 Meredith Dr, Urbandale, IA, 50398 | 0.7 |
Compare Rates for Urbandale, IA Home Insurance Providers | Back to Top
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Iowa | $137,200 | $829 | $610 | $1,170 | $560 |
| Dallas County, IA | $218,000 | $973 | $660 | $1,370 | $710 |
| Urbandale, IA | $216,100 | $971 | $650 | $1,380 | $730 |
| Alleman, IA | $170,400 | $917 | $670 | $1,260 | $590 |
| Palestine, IA | $170,600 | $771 | $560 | $1,070 | $510 |
| Warren County, IA | $171,400 | $883 | $590 | $1,220 | $630 |
| Colfax, IA | $96,400 | $685 | $470 | $970 | $500 |
| Cass, IA | $170,500 | $917 | $610 | $1,260 | $650 |
| Nevada, IA | $128,300 | $673 | $450 | $920 | $470 |
| Red Rock, IA | $191,300 | $963 | $660 | $1,330 | $670 |
| Menlo, IA | $69,200 | $562 | $380 | $790 | $410 |
| Newton, IA | $94,500 | $630 | $420 | $890 | $470 |
| Pilot Mound, IA | $127,100 | $797 | $570 | $1,110 | $540 |
Research Home Insurance Companies Reviews in Urbandale, IA Before Buying | Back to Top
Share a review on your home insurance company
State Farm Home Insurance Reviews
Date: January 16, 2020 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Policy Offerings
State Farm is a full service insurance company. The offer almost everything you need. The prices are reasonable. You can contact your agent for more details.
Date: September 20, 2019 Age: 50 to 59 Gender: Male Marital Status: Unmarried
Policy Offerings
In comparison with other home insurance company policies I would say that they are pretty fair. Not the cheapest but probably one of the better and reputable providers.
Date: August 15, 2019 Age: 50 to 59 Gender: Female Marital Status: Married
Premium
My deductible and premium of my policy are similar to other insurance policies. I am satisfied with both my deductible and premium.
Date: October 23, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Policy Offerings
My insurance covers losses cause by weather, like fire non weather like theft and Accidental Direct Physical Loss like Water from plumbing
GEICO Home Insurance Reviews
Date: September 13, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Policy Offerings
The offerings my home insurance company has are pretty standard compared to everyone else. I'm not sure if there is any other coverage that I would want to add.
Date: March 03, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Customer Service
I have only had positive experiences with them. Whenever I have had to reach someone with a question or problem I have been able to within 5 minutes or so. Their customer service is exceptional
Date: November 29, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Policy Offerings
They offer insurance bundles and discounts where if you have more than one policy with them, you would receive discounts. We currently have renters and auto insurance. Furthermore, they offer additional discounts for being a good driver and a long time customer.
Progressive Home Insurance Reviews
Date: January 12, 2020 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Premium
From what I understand the deductible was an average amount, and when you take into consideration that some stuff was old and damaged already, the assessment was fair.
Allstate Home Insurance Reviews
Date: October 16, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Customer Service
I rate my experience as a 3. I completed pretty much the whole process online and I feel like the website was a little outdated and not as easy to use as other companies.
Safeco Insurance Home Insurance Reviews
Date: July 05, 2019 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Customer Service
Regarding customer service,They were courteous and responsive, however they would often not be up-to-speed on the payment process or would seem to forget documents I had sent them previously.
Farmer's Insurance Home Insurance Reviews
Date: November 01, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Policy Offerings
Farmers insurance starts with the basics and allows you to add features you want or need. the Smart Homeowners Policy is an upgraded policy that includes standard homeowners insurance plus Claim forgiveness and the Cosmetic damage coverage, which covers the cost of any reasonable cosmetic fixes when you file a claim for functional damage to your home.