Gavop shows you how to buy homeowners insurance in Hardin, IA by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $46,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $75,000 | $60,000 | $50,000-$75,000 |
| 3 Bedroom | $108,000 | $100,000 | $125,000-$150,000 |
| 4 Bedroom | $187,500 | $160,000 | $200,000-$250,000 |
| 5 Bedroom | $133,500 | $110,000 | $150,000-$175,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$51 | $587 |
| Home and Two Car | -$102 | $536 |
| Home and Three Car | -$153 | $485 |
| 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 |
| Hardin County | $2,000 | $610 | $2,610 | $443 | $2,443 | $167 |
| Hardin, IA | $1,500 | $630 | $2,130 | $458 | $1,958 | $172 |
| New Providence, IA | $500 | $498 | $998 | $362 | $862 | $136 |
| Whitten, IA | $1,500 | $366 | $1,866 | $266 | $1,766 | $100 |
| Blaine, IA | $300 | $469 | $769 | $341 | $641 | $128 |
| Bristow, IA | $1,000 | $349 | $1,349 | $253 | $1,253 | $95 |
| Conrad, IA | $200 | $774 | $974 | $562 | $762 | $211 |
| State Center, IA | $1,500 | $803 | $2,303 | $584 | $2,084 | $220 |
| Marshalltown, IA | $100 | $626 | $726 | $455 | $555 | $171 |
| Duncombe, IA | $1,500 | $545 | $2,045 | $396 | $1,896 | $149 |
| Clear Lake, IA | $100 | $710 | $810 | $516 | $616 | $194 |
| Washburn, IA | $1,500 | $688 | $2,188 | $500 | $2,000 | $188 |
| Home Insurance Company Hardin, IA | Homeowners Insurance Agency Hardin, IA | Address | Popularity Score | Distance from Hardin (miles) |
|---|---|---|---|---|
| Travelers | 1st Choice Insurance Llc | 304 South Ave Iowa Falls, Iowa Falls, IA, 50126 | 1.4 | |
| Travelers | 1st Choice Insurance Llc | 304 S Ave, Iowa Falls, IA, 50126 | 1.4 | |
| Allstate | Randy Highness | 516 Lincoln Way Ste B, Ames, IA, 50010 | 38.8 | |
| Allstate | Dee Mcknight | 814 8th St Ste 1, Boone, IA, 50036 | 45.2 | |
| State Farm | Jeff Haupts | 116 N 15th St, Fort Dodge, IA, 50501-4212 | 48.5 | |
| State Farm | Tim Walker | 2005 Washington Ave, Iowa Falls, IA, 50126-1648 | 2.9 | |
| State Farm | Meg Dobson | 515 Grand Avenue, Ames, IA, 50010-6061 | 38.6 | |
| State Farm | Mark Doyle | 2701 Stange Rd., Ames, IA, 50010-3959 | 38.0 | |
| State Farm | Kristy Marquis | 15 East State Street, Mason City, IA, 50401-3317 | 44.7 | |
| Travelers | Gateway Insurance Services Inc | 1416 Buckeye Ave, Ames, IA, 50010 | 39.4 |
| 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 |
| Hardin County, IA | $91,300 | $618 | $420 | $850 | $430 |
| Hardin, IA | $96,700 | $638 | $470 | $870 | $400 |
| New Providence, IA | $58,000 | $504 | $360 | $710 | $350 |
| Whitten, IA | $35,000 | $370 | $270 | $510 | $240 |
| Blaine, IA | $52,700 | $475 | $340 | $660 | $320 |
| Bristow, IA | $32,200 | $353 | $250 | $480 | $230 |
| Conrad, IA | $122,900 | $783 | $570 | $1,080 | $510 |
| State Center, IA | $132,100 | $813 | $590 | $1,150 | $560 |
| Marshalltown, IA | $95,400 | $633 | $460 | $890 | $430 |
| Duncombe, IA | $67,300 | $552 | $380 | $770 | $390 |
| Clear Lake, IA | $146,500 | $719 | $490 | $990 | $500 |
| Washburn, IA | $99,200 | $696 | $490 | $970 | $480 |