Gavop's guide to buying homeowners insurance in Howard 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 | $37,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $55,500 | $50,000 | $25,000-$50,000 |
| 3 Bedroom | $114,500 | $90,000 | $125,000-$150,000 |
| 4 Bedroom | $102,500 | $80,000 | $100,000-$125,000 |
| 5 Bedroom | $239,000 | $200,000 | $200,000-$250,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$54 | $624 |
| Home and Two Car | -$108 | $569 |
| Home and Three Car | -$163 | $515 |
| 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 |
| Howard County | $1,500 | $670 | $2,170 | $487 | $1,987 | $183 |
| Howard County, IA | $1,000 | $670 | $1,670 | $487 | $1,487 | $183 |
| Nevada, MN | $2,500 | $1,085 | $3,585 | $788 | $3,288 | $296 |
| Racine, MN | $300 | $1,356 | $1,656 | $985 | $1,285 | $370 |
| Preble, MN | $2,000 | $1,093 | $3,093 | $794 | $2,794 | $299 |
| Whalan, MN | $500 | $763 | $1,263 | $554 | $1,054 | $208 |
| Rock Falls, IA | $1,000 | $767 | $1,767 | $557 | $1,557 | $210 |
| London, MN | $100 | $884 | $984 | $643 | $743 | $242 |
| Marion, MN | $2,500 | $1,340 | $3,840 | $974 | $3,474 | $366 |
| French Creek, IA | $400 | $948 | $1,348 | $689 | $1,089 | $259 |
| Readlyn, IA | $2,000 | $787 | $2,787 | $572 | $2,572 | $215 |
| Home Insurance Company Howard County, IA | Homeowners Insurance Agency Howard County, IA | Address | Popularity Score | Distance from Howard County (miles) |
|---|---|---|---|---|
| Allstate | Brian Randall | 222 1st St Nw, Mason City, IA, 50401 | 46.9 | |
| State Farm | Brenda Meyer | 1231 4th St Sw, Waverly, IA, 50677-4322 | 45.7 | |
| State Farm | Clint Thomas | 2790 4th St Sw, Mason City, IA, 50401-1527 | 48.8 | |
| State Farm | Doc Holiday | 213 S Cherry St, Shell Rock, IA, 50670-7759 | 47.1 | |
| Travelers | Town & Country Insurance Agency | 711 Main St, Osage, IA, 50461 | 25.3 | |
| State Farm | Scott Houg | 111 Rossville Rd, Waukon, IA, 52172-1935 | 43.2 | |
| State Farm | Doc Holiday Clu | 213 S Cherry Street, Shell Rock, IA, 50670 | 47.1 | |
| Travelers | Peoples Insurance Agency Ltd | 1700 8th St Sw, Waverly, IA, 50677 | 46.1 | |
| State Farm | Don Dietzenbach | 309 2nd Ave Sw, Cresco, IA, 52136-1843 | 10.2 | |
| Travelers | Edwards-Brandt & Assoc Inc | 2007 4th Sw, Mason City, IA, 50402 | 48.3 |
| 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 |
| Howard County, IA | $107,700 | $678 | $470 | $960 | $490 |
| Howard County, IA | $107,700 | $678 | $480 | $930 | $450 |
| Nevada, MN | $171,400 | $1,098 | $800 | $1,560 | $760 |
| Racine, MN | $262,500 | $1,372 | $930 | $1,910 | $980 |
| Preble, MN | $173,800 | $1,106 | $760 | $1,530 | $770 |
| Whalan, MN | $98,300 | $772 | $560 | $1,100 | $540 |
| Rock Falls, IA | $120,800 | $776 | $520 | $1,100 | $580 |
| London, MN | $122,200 | $895 | $610 | $1,240 | $630 |
| Marion, MN | $256,500 | $1,356 | $910 | $1,880 | $970 |
| French Creek, IA | $189,600 | $960 | $680 | $1,320 | $640 |
| Readlyn, IA | $127,100 | $797 | $530 | $1,120 | $590 |