Gavop shows you how to buy homeowners insurance in Independence, 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 | $54,500 | $50,000 | $25,000-$50,000 |
| 2 Bedroom | $115,000 | $100,000 | $125,000-$150,000 |
| 3 Bedroom | $159,500 | $150,000 | $125,000-$150,000 |
| 4 Bedroom | $174,000 | $160,000 | $175,000-$200,000 |
| 5 Bedroom | $370,000 | $300,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$117 | $533 |
| Superior Protection Discount | -$59 | $592 |
| Fire & Security Discount | -$52 | $598 |
| Hail Resistant Roof Discount | -$13 | $637 |
| Newly Constructed Home Discount | -$182 | $468 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,095 |
| Physical Damage | $2,537 |
| Hail Damage | $4,476 |
| Wind Damage | $6,624 |
| Expensive Claims | |
| Fire | $42,442 |
| Smoke | $17,389 |
| Home Insurance Company Independence, IA | Homeowners Insurance Agency Independence, IA | Address | Popularity Score | Distance from Independence (miles) |
|---|---|---|---|---|
| Allstate | Dennis Karlan | 408 Edgewood Rd Nw Ste 102, Cedar Rapids, IA, 52405 | 34.8 | |
| State Farm | Brad Mccunniff | 1708 State St, Cedar Falls, IA, 50613-4149 | 28.0 | |
| State Farm | Tim Reed | 1219 S Frederick Ave Ste B, Oelwein, IA, 50662-3037 | 13.7 | |
| State Farm | Bob Eisenman | 717 G Ave, Grundy Center, IA, 50638-1439 | 45.1 | |
| State Farm | Tom Fick | 26 W Charles St, Oelwein, IA, 50662-1642 | 14.9 | |
| State Farm | Tim Reed | 1219 S Frederick Avenue, Oelwein, IA, 50662-3037 | 13.7 | |
| Travelers | Lsb Financial Services Inc | 242 Tower Park Dr, Waterloo, IA, 50701 | 23.4 | |
| Travelers | Morris & Associates Inc | 3418 Lafayette Rd, Evansdale, IA, 50707 | 20.0 | |
| State Farm | Joe Morris | 413 2nd St, Traer, IA, 50675-1136 | 34.4 | |
| Liberty Mutual Independent | First Iowa Insurance Agency | 4101 Glass Road Ne Cedar Rapids, Cedar Rapids, IA, 52402 | 32.5 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Iowa | $137,200 | $829 | $610 | $1,180 | $570 |
| Buchanan County, IA | $132,500 | $684 | $490 | $970 | $480 |
| Independence, IA | $120,100 | $650 | $440 | $900 | $460 |
| Homer, IA | $121,200 | $777 | $540 | $1,060 | $520 |
| Oelwein, IA | $67,900 | $815 | $590 | $1,150 | $560 |
| Maxfield, IA | $140,500 | $838 | $610 | $1,200 | $590 |
| Milo, IA | $229,200 | $1,033 | $690 | $1,480 | $790 |
| Eldorado, IA | $148,600 | $861 | $620 | $1,220 | $600 |
| Hawkeye, IA | $67,300 | $552 | $400 | $760 | $360 |
| Fredericksburg, IA | $89,800 | $657 | $480 | $930 | $450 |
| Cedar Rapids, IA | $138,500 | $807 | $560 | $1,150 | $590 |
| Jones County, IA | $130,700 | $679 | $480 | $930 | $450 |
| South Amana, IA | $165,600 | $906 | $610 | $1,300 | $690 |