Gavop shows you how to buy homeowners insurance in Cerro Gordo County, IA by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Cerro Gordo County, 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 | |
| Prairie View Ln, 3rd St, N 13th St, N Washington Ave, 3rd St SE, Linden Dr, 2nd St SE, Woodbine Rd, Cerro Gordo St, N Adams Ave | $174,500 | $150,000 | $125,000-$150,000 | $119,000 | $110,000 | $100,000-$125,000 |
| West Ave N, 243rd St, Limestone Ct, 5th Pl N, Mc Intosh Rd, S 3rd St, 2nd St SW, 6th Pl SE, Co Rd S70, 11th St SW | $246,000 | $210,000 | $250,000-$300,000 | $102,500 | $90,000 | $100,000-$125,000 |
| 2nd St SW, 265th St, N 24th St, 6th St SE, 6th Pl SE, Co Rd B65, 180th St, Monroe Ave, Birch Dr, Main St | $184,500 | $160,000 | $125,000-$150,000 | $134,500 | $120,000 | $125,000-$150,000 |
| S Yorktown Pike, North Virginia Ave, N Taft Ave, 220th St, Granada Dr, Beaumont Dr, Fair Meadow Dr, Ulmus Ave, Kimball Rd, Minnesota St | $169,500 | $140,000 | $150,000-$175,000 | $188,500 | $160,000 | $200,000-$250,000 |
| Douglas St E, 300th Ct, S Harding Ave, 7th St NE, Balsam Ave, Clark St, 10th St SW, 9th St N, 2nd St, 1st St S | $136,500 | $120,000 | $150,000-$175,000 | $64,000 | $60,000 | $50,000-$75,000 |
| N Willowgreen Ct, Thrush Ave, 3rd St NW, W 2nd Ave N, Woodlane Dr, 18th St NE, Lido Rd, 325th St, N Pierce Ave, Violet Ave | $162,500 | $150,000 | $175,000-$200,000 | $103,500 | $90,000 | $75,000-$100,000 |
| 9th St SE, Co Rd B30, N 25th St, Plymouth Rd, 20th St SW, S 40th St, Slate Ct SE, N 7th St, 18th St W, Pheasant Ave | $217,500 | $200,000 | $175,000-$200,000 | $151,000 | $140,000 | $125,000-$150,000 |
| N Monroe Pl, Co Rd 562, 24th Pl SW, Co Rd S28, Bittersweet Ave, Hunters Ridge Dr, 4th St NE, 200th St, Yucca Ave, Westview Dr N | $188,500 | $150,000 | $150,000-$175,000 | $165,000 | $150,000 | $125,000-$150,000 |
| N Pierce Ave, N 4th St, Osprey Ave, 7th Pl N, Finch Ave, Warbler Ave, Willow St, 14th Ave N, 12th Ave S, 33rd St W | $180,000 | $150,000 | $175,000-$200,000 | $149,500 | $130,000 | $100,000-$125,000 |
| Callaway Ct, Walnut, 263rd St, Co Rd S56, N Connecticut Ave, S Vermont Ave, 14th St NE, 29th St SW, 2nd Ave NE, Wheelerwood Ave | $104,500 | $90,000 | $75,000-$100,000 | $114,500 | $110,000 | $125,000-$150,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$106 | $649 |
| Superior Protection Discount | -$68 | $687 |
| Fire & Security Discount | -$68 | $687 |
| Hail Resistant Roof Discount | -$15 | $740 |
| Newly Constructed Home Discount | -$196 | $558 |
| 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 |
| Cerro Gordo County | $2,500 | $746 | $3,246 | $542 | $3,042 | $204 |
| Cerro Gordo County, IA | $2,000 | $746 | $2,746 | $542 | $2,542 | $204 |
| Aredale, IA | $300 | $327 | $627 | $238 | $538 | $89 |
| Carpenter, IA | $2,000 | $411 | $2,411 | $299 | $2,299 | $112 |
| Geneva, IA | $300 | $475 | $775 | $345 | $645 | $130 |
| Galt, IA | $1,000 | $430 | $1,430 | $312 | $1,312 | $117 |
| Ackley, IA | $400 | $568 | $968 | $413 | $813 | $155 |
| Deerfield, IA | $2,500 | $798 | $3,298 | $580 | $3,080 | $218 |
| Etna, IA | $500 | $592 | $1,092 | $430 | $930 | $162 |
| Shell Rock, IA | $2,000 | $796 | $2,796 | $579 | $2,579 | $218 |
| Seely, MN | $500 | $830 | $1,330 | $603 | $1,103 | $227 |
| Frost, MN | $2,500 | $440 | $2,940 | $320 | $2,820 | $120 |
| Home Insurance Company Cerro Gordo County, IA | Homeowners Insurance Agency Cerro Gordo County, IA | Address | Popularity Score | Distance from Cerro Gordo County (miles) |
|---|---|---|---|---|
| Allstate | Brian Randall | 222 1st St Nw, Mason City, IA, 50401 | 5.8 | |
| Travelers | Mason City All Risk Insurance Inc | 1415 S Monroe Ave Mason City, Mason City, IA, 50401 | 4.8 | |
| Travelers | Mason City All Risk Insurance Inc | 1415 S Monroe Ave Ste C, Mason City, IA, 50401 | 4.8 | |
| State Farm | Kim Ruter | 512 Main Ave, Clear Lake, IA, 50428-1829 | 7.8 | |
| State Farm | Tim Ihlenfeldt | 502 S Jersey Ave, Mason City, IA, 50401-4022 | 5.7 | |
| State Farm | Clint Thomas | 2790 4th St Sw, Mason City, IA, 50401-1527 | 5.1 | |
| Travelers | Peoples Insurance Agency Ltd | 1700 8th St Sw, Waverly, IA, 50677 | 46.6 | |
| State Farm | Kristy Marquis | 15 E State St, Mason City, IA, 50401-3317 | 5.9 | |
| Travelers | Edwards-Brandt & Assoc Inc | 2007 4th Sw, Mason City, IA, 50402 | 5.1 | |
| State Farm | Rick Atkinson | 302 E State St, Algona, IA, 50511-2738 | 49.7 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Iowa | $137,200 | $829 | $570 | $1,180 | $610 |
| Cerro Gordo County, IA | $121,500 | $755 | $520 | $1,030 | $510 |
| Cerro Gordo County, IA | $121,500 | $755 | $540 | $1,030 | $490 |
| Aredale, IA | $28,800 | $331 | $240 | $470 | $230 |
| Carpenter, IA | $42,500 | $416 | $300 | $590 | $290 |
| Geneva, IA | $53,800 | $481 | $330 | $680 | $350 |
| Galt, IA | $45,600 | $435 | $310 | $600 | $290 |
| Ackley, IA | $71,900 | $575 | $390 | $810 | $420 |
| Deerfield, IA | $130,600 | $808 | $550 | $1,140 | $590 |
| Etna, IA | $76,900 | $599 | $410 | $820 | $410 |
| Shell Rock, IA | $129,800 | $806 | $590 | $1,140 | $550 |
| Seely, MN | $111,100 | $840 | $610 | $1,190 | $580 |
| Frost, MN | $48,100 | $445 | $320 | $630 | $310 |