How Can I Make My Ames, IA Home Insurance Cheaper

Gavop's guide to buying homeowners insurance in Ames, 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.

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Select the Suitable Coverage Value for your Ames, IA Home | Back to Top

Bedrooms Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
1 Bedroom $75,500 $70,000 $75,000-$100,000
2 Bedroom $112,000 $90,000 $100,000-$125,000
3 Bedroom $142,000 $120,000 $125,000-$150,000
4 Bedroom $217,500 $180,000 $250,000-$300,000
5 Bedroom $409,500 $350,000 $400,000-$500,000

Estimate your Savings with Home Insurance Discounts in Ames, IA | Back to Top

Type Discount ($) Premium After Discount ($)
Multipolicy Discount -$147 $769
Superior Protection Discount -$92 $824
Fire & Security Discount -$82 $833
Hail Resistant Roof Discount -$18 $898
Newly Constructed Home Discount -$247 $669

Choose your Ames, IA Home Insurance Coverage for your Specific Claim Requirement | Back to Top

Claim Type Average Claim Cost
General Claims
Water Damage $7,834
Hail Damage $5,211
Wind Damage $9,916
Expensive Claims
Fire $35,329
Accidental Discharge/Leakage $8,711
Optional Coverage Losses $8,073

Identify Top Home Insurance Agents near Ames, IA | Back to Top

Home Insurance Company Ames, IA Homeowners Insurance Agency Ames, IA Address Popularity Score Distance from Ames (miles)
Liberty Mutual Independent Jones Insurance & Associates 2932 104th St, Urbandale, IA, 50322
28.8
Travelers Triplett Companies 323 Fifth St, Ames, IA, 50010
0.7
Allstate David Rayer 4446 128th St, Urbandale, IA, 50323
27.9
Allstate Randy Highness 516 Lincoln Way Ste B, Ames, IA, 50010
0.6
Travelers Scott Insurance Services 1904 Grand Ave, West Des Moines, IA, 50265
31.7
State Farm Meg Dobson 515 Grand Avenue, Ames, IA, 50010-6061
0.4
State Farm Brian Hoff 1620 N Anky Blvd Ste 104, Ankeny, IA, 50023-4111
19.5
Travelers Ecolab 12421 Meredith Dr, Urbandale, IA, 50398
27.7
Travelers Keith Israel And Sons Insurance Agency 2525 N Ankeny Blvd #115, Ankeny, IA, 50023
19.0
Travelers Ames Insurance Center Inc 537 Main St Ste 101, Ames, IA, 50010
0.5

Compare Rates for Ames, IA Home Insurance Providers | Back to Top

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Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
Iowa $137,200 $829 $610 $1,150 $540
Story County, IA $172,900 $886 $610 $1,220 $610
Ames, IA $187,000 $916 $650 $1,290 $640
Luther, IA $112,500 $747 $530 $1,020 $490
Worth, IA $234,000 $1,042 $740 $1,450 $710
Marcy, IA $198,100 $977 $690 $1,360 $670
Taylor, IA $76,000 $801 $570 $1,110 $540
Duncombe, IA $67,300 $552 $370 $760 $390
Adams, IA $283,800 $1,122 $770 $1,560 $790
Spring Hill, IA $105,000 $719 $520 $990 $470
Greencastle, IA $84,700 $635 $430 $880 $450
Diamondhead Lake, IA $130,000 $806 $580 $1,120 $540
Pleasantville, IA $117,700 $765 $540 $1,090 $550

Research Home Insurance Companies Reviews in Ames, IA Before Buying | Back to Top

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Farm Bureau Home Insurance Reviews

Date: August 18, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Customer Service
The insurance company customer service has been good. The main man, Tim, is very nice and helpful. The people on the front side isn't very helpful but overall it is an okay experience.

Progressive Home Insurance Reviews

Date: October 29, 2018    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Communication
I dont like the interaction with progressive company because it takes long to respond. They also try to avoid coverage by asking any fault question.d

Allstate Home Insurance Reviews

Date: October 15, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Customer Service
Actually, they've been pretty good. We had to file a claim for a new roof. Everything went pretty smoothly. They covered the cost, minus the deductible, and let us choose the company of our choice to do the work.

American Modern Insurance Home Insurance Reviews

Date: October 23, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Premium
The premium is well under the cost of other providers and provides a reasonable coverage amount without making the value of my house out of sight to get a higher premium.

GEICO Home Insurance Reviews

Date: September 10, 2019    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Policy Offerings
I did not do much shopping around for a home insurance company. I had already purchases auto insurance through this company, so was given a price reduction for bundling.


The Hartford Home Insurance Reviews

Date: November 19, 2018    Age: Above 60    Gender: Female    Marital Status: Unmarried

Customer Service
very easy to deal with and answers questions promptly rated a

American National Property and Casualty Company Home Insurance Reviews

Date: July 02, 2019    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Customer Service
Whenever I need to contact my insurance company with a question or update, I call my insurance agent. He is always attentive, knowledgeable and efficient.

Integrity Insurance Home Insurance Reviews

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