Gavop's guide to buying homeowners insurance in Harlan, 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 | $33,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $67,000 | $60,000 | $50,000-$75,000 |
| 3 Bedroom | $122,500 | $110,000 | $100,000-$125,000 |
| 4 Bedroom | $181,000 | $160,000 | $150,000-$175,000 |
| 5 Bedroom | $132,500 | $120,000 | $125,000-$150,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$53 | $610 |
| Home and Two Car | -$106 | $557 |
| Home and Three Car | -$166 | $497 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,733 |
| Physical Damage | $2,513 |
| Hail Damage | $4,948 |
| Wind Damage | $6,624 |
| Expensive Claims | |
| Fire | $46,016 |
| Smoke | $16,553 |
| Home Insurance Company Harlan, IA | Homeowners Insurance Agency Harlan, IA | Address | Popularity Score | Distance from Harlan (miles) |
|---|---|---|---|---|
| State Farm | Kirk Huehn | 318 Main St Ste 1, Manning, IA, 51455-1071 | 22.4 | |
| State Farm | Megan Roberts | 912 E 7th St, Atlantic, IA, 50022-1806 | 24.0 | |
| State Farm | Trevis Beeck | 1624 4th Ave S, Denison, IA, 51442-2135 | 25.1 | |
| Farmers | Lonnie Carrick | 207 N 5th St, Guthrie Center, IA, 50115 | 42.7 | |
| State Farm | Ej Leinen | 513 Court St, Harlan, IA, 51537-1439 | 0.8 | |
| Farmers | Paula Sass | 2549 2nd Ave, Council Bluffs, IA, 51501 | 39.5 | |
| State Farm | Judd Knispel | 1860 Madison Ave, Council Bluffs, IA, 51503 | 38.1 | |
| State Farm | Barb Ray | 1000 N Broadway St Ste A, Red Oak, IA, 51566-1454 | 44.2 | |
| State Farm | Clark Ahrenholtz | 2114 12th St, Harlan, IA, 51537-2056 | 0.2 | |
| State Farm | Kevin Brandt | 915 Iowa Ave, Onawa, IA, 51040-1631 | 47.5 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Iowa | $137,200 | $829 | $560 | $1,170 | $610 |
| Shelby County, IA | $111,700 | $692 | $510 | $950 | $440 |
| Harlan, IA | $103,600 | $663 | $470 | $910 | $440 |
| Shelby County, IA | $111,700 | $692 | $500 | $990 | $490 |
| Persia, IA | $82,000 | $623 | $450 | $880 | $430 |
| Dow City, IA | $56,500 | $496 | $350 | $710 | $360 |
| Boyer, IA | $106,300 | $724 | $510 | $1,040 | $530 |
| Arion, IA | $26,900 | $318 | $230 | $440 | $210 |
| Atlantic, IA | $95,200 | $632 | $460 | $900 | $440 |
| Griswold, IA | $78,300 | $606 | $420 | $840 | $420 |
| Stockholm, IA | $94,200 | $676 | $480 | $970 | $490 |
| Stanton, IA | $81,700 | $621 | $420 | $850 | $430 |
| Lake Panorama, IA | $385,100 | $1,339 | $960 | $1,830 | $870 |