Gavop's guide to buying homeowners insurance in Fairfield, 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 | $38,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $107,000 | $100,000 | $100,000-$125,000 |
| 3 Bedroom | $126,000 | $110,000 | $125,000-$150,000 |
| 4 Bedroom | $150,000 | $130,000 | $125,000-$150,000 |
| 5 Bedroom | $211,000 | $190,000 | $200,000-$250,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$60 | $605 |
| Home and Two Car | -$106 | $559 |
| Home and Three Car | -$153 | $512 |
| 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 |
| Jefferson County | $700 | $692 | $1,392 | $503 | $1,203 | $189 |
| Fairfield, IA | $2,500 | $657 | $3,157 | $477 | $2,977 | $180 |
| Village, IA | $100 | $570 | $670 | $414 | $514 | $156 |
| West Chester, IA | $1,000 | $434 | $1,434 | $315 | $1,315 | $119 |
| Columbia, IA | $100 | $641 | $741 | $466 | $566 | $175 |
| Columbus City, IA | $700 | $643 | $1,343 | $467 | $1,167 | $176 |
| Memphis, MO | $200 | $794 | $994 | $577 | $777 | $217 |
| Parnell, IA | $1,500 | $587 | $2,087 | $426 | $1,926 | $160 |
| Troy, IA | $1,000 | $627 | $1,627 | $456 | $1,456 | $171 |
| Wayland, MO | $400 | $770 | $1,170 | $559 | $959 | $210 |
| Bussey, IA | $1,500 | $453 | $1,953 | $330 | $1,830 | $124 |
| Home Insurance Company Fairfield, IA | Homeowners Insurance Agency Fairfield, IA | Address | Popularity Score | Distance from Fairfield (miles) |
|---|---|---|---|---|
| State Farm | Shawn Mccarty | 604 W Burlington Ave, Fairfield, IA, 52556-3247 | 0.2 | |
| Travelers | Two Rivers Insurance Services | 214 N Main St, Burlington, IA, 52601 | 47.3 | |
| State Farm | Wyndell Campbell | 807 A Ave W, Oskaloosa, IA, 52577-2033 | 41.0 | |
| State Farm | Ric Mccurren | 54 W Burlington Ave, Fairfield, IA, 52556-3207 | 0.2 | |
| State Farm | Jim Carnahan | 110 N Madison Ave, Bloomfield, IA, 52537 | 29.3 | |
| State Farm | Jim Chapman | 3 Benton Ave E, Albia, IA, 52531-2032 | 44.0 | |
| State Farm | Nanci Kohl | 431 Highway 1 W, Iowa City, IA, 52246-4205 | 49.4 | |
| State Farm | Dave Stanbary | 3115a Agency St, Burlington, IA, 52601-1908 | 45.5 | |
| State Farm | Doug Bauman | 523 Church Street, Ottumwa, IA, 52501-4216 | 23.7 | |
| Travelers | G & P Insurance Inc | 1520 S Clinton, Albia, IA, 52531 | 44.0 |
| 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 |
| Jefferson County, IA | $114,300 | $700 | $500 | $970 | $470 |
| Fairfield, IA | $104,100 | $665 | $480 | $910 | $430 |
| Village, IA | $72,200 | $577 | $400 | $820 | $420 |
| West Chester, IA | $46,300 | $439 | $320 | $610 | $290 |
| Columbia, IA | $87,900 | $649 | $460 | $890 | $430 |
| Columbus City, IA | $88,300 | $651 | $460 | $890 | $430 |
| Memphis, MO | $63,700 | $804 | $550 | $1,120 | $570 |
| Parnell, IA | $75,900 | $594 | $400 | $840 | $440 |
| Troy, IA | $84,700 | $635 | $460 | $880 | $420 |
| Wayland, MO | $58,200 | $779 | $540 | $1,080 | $540 |
| Bussey, IA | $49,800 | $459 | $330 | $650 | $320 |