Gavop's guide to buying homeowners insurance in Wapello 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 | $29,500 | $20,000 | $0-$25,000 |
| 2 Bedroom | $52,000 | $40,000 | $25,000-$50,000 |
| 3 Bedroom | $135,000 | $120,000 | $125,000-$150,000 |
| 4 Bedroom | $174,000 | $140,000 | $175,000-$200,000 |
| 5 Bedroom | $177,000 | $160,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$127 | $780 |
| Superior Protection Discount | -$82 | $826 |
| Fire & Security Discount | -$100 | $807 |
| Hail Resistant Roof Discount | -$27 | $880 |
| Newly Constructed Home Discount | -$227 | $680 |
| 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 |
| Wapello County | $1,000 | $896 | $1,896 | $651 | $1,651 | $245 |
| Wapello County, IA | $2,000 | $896 | $2,896 | $651 | $2,651 | $245 |
| Green, IA | $300 | $1,019 | $1,319 | $740 | $1,040 | $278 |
| Birmingham, IA | $2,000 | $494 | $2,494 | $359 | $2,359 | $135 |
| New Sharon, IA | $100 | $701 | $801 | $510 | $610 | $192 |
| Indiana, IA | $2,500 | $631 | $3,131 | $459 | $2,959 | $173 |
| Marion County, IA | $300 | $821 | $1,121 | $597 | $897 | $224 |
| Russell, IA | $1,500 | $495 | $1,995 | $360 | $1,860 | $135 |
| Chariton, IA | $100 | $547 | $647 | $398 | $498 | $150 |
| English River, IA | $2,000 | $887 | $2,887 | $645 | $2,645 | $242 |
| Ainsworth, IA | $200 | $631 | $831 | $459 | $659 | $173 |
| Victor, IA | $700 | $615 | $1,315 | $447 | $1,147 | $168 |
| Home Insurance Company Wapello County, IA | Homeowners Insurance Agency Wapello County, IA | Address | Popularity Score | Distance from Wapello County (miles) |
|---|---|---|---|---|
| Farmers | Shauna Vantomme | 203 N Monroe St, Monroe, IA, 50170 | 49.5 | |
| State Farm | Larry Bettis | 303 W Jackson St, Centerville, IA, 52544-1733 | 31.9 | |
| Farmers | Lori Mason | 112 N Court St, Ottumwa, IA, 52501 | 0.9 | |
| Travelers | Midwest Heritage Insurance Services | 1010 Court Avenue, Chariton, IA, 50049 | 47.0 | |
| Travelers | Midwest Heritage Insurance Services | 1025 Braden Ave, Chariton, IA, 50049 | 47.0 | |
| State Farm | Ric Mccurren | 54 W Burlington Ave, Fairfield, IA, 52556-3207 | 23.3 | |
| State Farm | Kevin Van Wyk | 606 Oskaloosa St, Pella, IA, 50219-2135 | 36.6 | |
| State Farm | Jim Carnahan | 522 Richmond Ave, Ottumwa, IA, 52501-4121 | 2.0 | |
| Allstate | David Weilbrenner | 425 W 2nd St, Ottumwa, IA, 52501 | 0.7 | |
| State Farm | Jim Carnahan | 110 N Madison Ave, Bloomfield, IA, 52537 | 19.3 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Iowa | $137,200 | $829 | $610 | $1,190 | $580 |
| Wapello County, IA | $81,000 | $907 | $640 | $1,240 | $600 |
| Wapello County, IA | $81,000 | $907 | $620 | $1,280 | $660 |
| Green, IA | $227,800 | $1,031 | $750 | $1,450 | $700 |
| Birmingham, IA | $57,200 | $500 | $360 | $700 | $340 |
| New Sharon, IA | $102,800 | $710 | $480 | $970 | $490 |
| Indiana, IA | $85,700 | $639 | $440 | $880 | $440 |
| Marion County, IA | $146,900 | $831 | $570 | $1,190 | $620 |
| Russell, IA | $57,500 | $501 | $350 | $710 | $360 |
| Chariton, IA | $67,700 | $554 | $380 | $780 | $400 |
| English River, IA | $162,600 | $898 | $660 | $1,230 | $570 |
| Ainsworth, IA | $85,600 | $639 | $430 | $880 | $450 |
| Victor, IA | $81,800 | $622 | $430 | $890 | $460 |