Gavop's guide to buying homeowners insurance in Adams County, 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 | $46,000 | $40,000 | $50,000-$75,000 |
| 2 Bedroom | $136,500 | $110,000 | $125,000-$150,000 |
| 3 Bedroom | $157,000 | $140,000 | $175,000-$200,000 |
| 4 Bedroom | $210,000 | $200,000 | $200,000-$250,000 |
| 5 Bedroom | $338,000 | $290,000 | $350,000-$400,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$47 | $544 |
| Home and Two Car | -$95 | $497 |
| Home and Three Car | -$148 | $444 |
| 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 |
| Adams County | $2,000 | $584 | $2,584 | $425 | $2,425 | $160 |
| Adams County, IA | $1,000 | $584 | $1,584 | $425 | $1,425 | $160 |
| Quincy, IA | $300 | $586 | $886 | $426 | $726 | $160 |
| Holt, IA | $700 | $765 | $1,465 | $556 | $1,256 | $209 |
| Sharpsburg, IA | $200 | $416 | $616 | $302 | $502 | $114 |
| Shannon City, IA | $1,500 | $389 | $1,889 | $283 | $1,783 | $106 |
| White Cloud, IA | $700 | $710 | $1,410 | $516 | $1,216 | $194 |
| Kimballton, IA | $500 | $537 | $1,037 | $391 | $891 | $147 |
| Adams, IA | $2,000 | $1,109 | $3,109 | $806 | $2,806 | $303 |
| Home Insurance Company Adams County, IA | Homeowners Insurance Agency Adams County, IA | Address | Popularity Score | Distance from Adams County (miles) |
|---|---|---|---|---|
| State Farm | Ben Adamson | 300 Russell St, Creston, IA, 50801-3023 | 17.1 | |
| State Farm | Deb Marlin | 223 N 16th St, Clarinda, IA, 51632-1605 | 26.4 | |
| State Farm | Teri Johnston | 416 E. Main, Lamoni, IA, 50140 | 48.7 | |
| State Farm | Lance Cornelius | 600 S Fremont St Ste 3, Shenandoah, IA, 51601-1675 | 40.3 | |
| State Farm | Charlotte Speer | 61 E Green St, Winterset, IA, 50273-1530 | 41.7 | |
| State Farm | Teri Johnston | 605 W Mclane, Osceola, IA, 50213-0534 | 48.3 | |
| State Farm | Lance Cornelius | 600 S Fremont Street, Suite 3, Shenandoah, IA, 51601-1675 | 40.3 | |
| Travelers | Hometown Insurance Inc | 501 E Taylor St, Creston, IA, 50801 | 17.9 | |
| Travelers | First National Ins Agency | 311 5th, Fontanelle, IA, 50846 | 19.8 | |
| Travelers | Hometown Insurance Inc | 501 E Taylor, Creston, IA, 50801 | 17.9 |
| 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 |
| Adams County, IA | $84,900 | $591 | $430 | $820 | $390 |
| Adams County, IA | $84,900 | $591 | $430 | $810 | $380 |
| Quincy, IA | $75,600 | $593 | $430 | $850 | $420 |
| Holt, IA | $120,300 | $774 | $570 | $1,090 | $520 |
| Sharpsburg, IA | $43,300 | $421 | $310 | $590 | $280 |
| Shannon City, IA | $38,800 | $394 | $270 | $550 | $280 |
| White Cloud, IA | $105,100 | $719 | $510 | $990 | $480 |
| Kimballton, IA | $65,700 | $544 | $390 | $760 | $370 |
| Adams, IA | $283,800 | $1,122 | $760 | $1,590 | $830 |