Adel Insurance Rates:

Adel, IA home insurance is roughly $574 to $785, about $47-$65/month. Our all inclusive research indicates shoppers can save as much as $271 by comparing many quotes

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Adel Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $140/2 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $145,000

5 Beds, 5 Baths 2010 sqft Seasonal Residence Constructed In 1973 with Carpet Flooring, Shingles Roof, Crawl Space Foundation, Wood siding, Wood Frame. Home Features Include Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

31 Years old Divorced Male who is Unemployed with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $270/4 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $140,000

2 Beds, 2 Bath 1620 sqft Rental Property Constructed In 2013 with Linoleum, Slate Shingles Roof, Piers Foundation, Stone Siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Swimming Pool, Deadbolt Locks, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

35 Years old Divorced Male who has a Full Time Job with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $720/12 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $215,000

4 Beds, 4 Baths 2740 sqft Seasonal Residence Constructed In 2001 with Linoleum, Metal Roof, Chainwall Foundation, Stone Siding, Brick Frame. Home Features Include Indoor Sprinklers, Copper Water Pipes, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

56 Years old Divorced Male who is Unemployed and has 1 Pet and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 550-599 Credit Score

Home Insurance Rate of $100/2 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $135,000

4 Beds, 4 Baths 1620 sqft Primary Residence Constructed In 1979 with Wood Flooring, Slate Shingles Roof, Chainwall Foundation, Brick siding, Brick Frame. Home Features Include Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

60 Years old Divorced Female who is Retired with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $840/8 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $160,000

3 Beds, 3 Bath 1600 sqft Seasonal Residence Constructed In 2002 with Stone Flooring, Metal Roof, Piers Foundation, Stucco siding, Wood Frame. Home Features Include Smoke Alarm, Indoor Sprinklers, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

57 Years old Single Female who is a Freelancer with household income of $75-$100,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $420/3 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $240,000

5 Beds, 5 Baths 2290 sqft Rental Property Constructed In 1946 with Carpet Flooring, Wood Shake Roof, Piers Foundation, Wood siding, Stucco Construction. Home Features Include Indoor Sprinklers, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

65 Years old Divorced Female who has a Full Time Job with household income of more than $150,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $60/1 month for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $135,000

2 Beds, 2 Bath 1470 sqft Primary Residence Constructed In 1941 with Carpet Flooring, Tile Roof, Slab Foundation, Stucco siding, Stucco Construction. Home Features Include Fireplace, Smoke Alarm, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

50 Years old Married Female who is a Freelancer with household income of more than $150,000 and has 3 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 550-599 Credit Score

Home Insurance Rate of $540/12 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $80,000

2 Beds, 2 Bath 1020 sqft Vacation Property Constructed In 1987 with Wood Flooring, Slate Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Copper Water Pipes, Fire Extinguisher, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

60 Years old Single Female who has a Full Time Job with household income of $50-$75,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $310/4 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $160,000

2 Beds, 2 Bath 1540 sqft Vacation Property Constructed In 1977 with Carpet Flooring, Composition Roof, Chainwall Foundation, Stone Siding, Metal Frame Construction. Home Features Include Swimming Pool, Fire Extinguisher, Copper Water Pipes, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

42 Years old Single Male who is a Freelancer with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $810/8 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $200,000

4 Beds, 4 Baths 2300 sqft Vacation Property Constructed In 2013 with Wood Flooring, Membrane Roof, Crawl Space Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Copper Water Pipes, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

25 Years old Divorced Male who is a Freelancer with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Adel, IA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
50003 $186,400 $700

Adel Rates & Quotes Analysis:

Adel Area Estimated House Insurance
330th Ct, Luther Dr, Midland Trl, State Hwy 141, N Polk St, Feller Curv, Grand St, 13th St, N 14th St, el Paso Ave$693
B Ave, U Ave, Polk St, Ute Ave, S 13th St, N 8th St, L Ave, 160th Ct, River Vista Dr, N 1st St$689
E Guthrie St, Calico Creek Ln, Sample Ln, W Holloway St, E Hoiles Ave, Houston Ave, 260th St, Boone St, Jefferson St, 16th St$693
Co Hwy F-90, N 9th St, H Ave, Filmore Ln, Puckerbrush Rd, Spruce St, Division Ave, F 30, T Ave, S 16th St$687
Lexington Rd, Coyote Ridge Ct, 302nd Pl, Hatton Ave, S 10th St, S 14th St, K Cir, S Hamilton St, Lakeview Dr, R Ave$684

Insurance rates are influenced by a number of factors including:

  • Year Built: 376 Homes (14% of total homes ) built between 1970 to 1979 in Adel are paying home insurance between $1,100-$1,110. Places close to Adel, IA such as Dallas County, Sugar Grove, Waukee are more expensive by $29, $15, $36 respectively while Minburn and De Soto are cheaper by $33 and $14 respectively for similar homes.
  • Bedrooms: 1,013 3 bedrooms homes (40% of total homes ) in Adel are paying about $746 compared to Dallas Center (+$8), Dallas County (+$27), Sugar Grove (+$17), Minburn (-$15) and De Soto (-$3).
  • Auto Insurance Bundling: 797 Households (47% of all households) in Adel have 2 vehicles available and when it is bundled with home insurance you can save $135. Discounts for similar bundling in close by locations such as Dallas Center, Dallas County, Sugar Grove come to $136, $139, $137 respectively.
  • Senior Discounts: 649 seniors (more than 55 years) occupied housing units (38% of total) in Adel get discounts between $101 to $104. The comparative concessions in proximate regions such as Dallas Center, Dallas County and Sugar Grove are $102, $104 and $103 respectively.
  • New Homes discounts: New homes such as the 776 homes built between 2000 to 2009 in Adel can save $135 and similar new home insurance discounts in nearby towns and cities like Dallas Center, Dallas County and Sugar Grove are $136, $139 and $137 respectively.

Adel Homeowners insurance Facts

  • Adel, IA has 1,673 owner occupied houses which is 69.0% of all units whereas Dallas Center, Dallas County and Sugar Grove have 83.49%, 78.56% and 75.35% respectively.
  • Adel, IA homeowners yearly insurance price at $679 is 0.46% of the typical house value of $147,900 which is in contrast with 0.46% in Dallas Center, 0.38% at Dallas County & 0.42% in Sugar Grove.
  • Homeowners in Adel, IA pay 1.81% of their income ($35,000 to $39,999) in insurance whereas homeowners in Dallas Center, Dallas County and Sugar Grove pay 1.81%, 1.86% and 1.83% respectively.
  • Adel, IA’s insurance is 4.2% of monthly housing costs of $1,363/month, for owners with a mortgage compared to 4.35% in Dallas Center, 3.71% at Dallas County & 4.44% in Sugar Grove. But, for households without a mortgage, insurance is 13.6% of costs ($417 in Adel, IA) in contrast with 12.32% in Dallas Center, 12.31% at Dallas County & 11.51% in Sugar Grove.

Adel, IA Home Values & Insurance rates

For example, insurance for 179 Homes (11.0% of total homes ) valued between $200,000 to $249,999 in Adel, IA is about $1,032. Rates in nearby areas in such as Dallas Center, Dallas County, Sugar Grove are cheaper by $6, $175, $90 respectively while Minburn and De Soto are costlier by $351 and $133 respectively for similar homes.

Adel, IA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 103 6.0% $108
$50,000 to $59,999 28 1.0% $237
$80,000 to $89,999 66 4.0% $387
$90,000 to $99,999 71 4.0% $434
$100,000 to $124,999 290 17.0% $502
$125,000 to $149,999 279 17.0% $624
$150,000 to $174,999 168 10.0% $740
$175,000 to $199,999 200 12.0% $855
$200,000 to $249,999 179 11.0% $1032
$250,000 to $299,999 115 7.0% $1262
$300,000 to $399,999 100 6.0% $1602

Renters Insurance in Adel

  • Average Renters Insurance in Adel :  $119($9/month)

  • Median Gross Rent in Adel :  $721

  • Adel Renters Insurance to Median Rent Ratio:  1.25%

  • Average household size of renter-occupied unit :  2.08

Adel Renters Insurance as a Percentage of Rent

Adel Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 29 3.0% $329
$200 to $299 17 2.0% $779
$300 to $499 94 12.0% $1229
$500 to $749 255 34.0% $1904
$750 to $999 149 20.0% $2654
$1,000 to $1,499 194 26.0% $3779

Rent Affordability in Adel:

Approximately 28.0% (216) of households are spending more than 35% of their income on gross rent in Adel

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 128 17.0%
15.0 to 19.9 percent 95 12.0%
20.0 to 24.9 percent 99 13.0%
25.0 to 29.9 percent 148 19.0%
30.0 to 34.9 percent 65 8.0%
35.0 percent or more 216 28.0%

Protective device discount in Adel Up to :  $17

Claims-free discount in Adel Up to :  $23