Ames Insurance Rates:

Ames, IA home insurance is approximately $586 to $796, about $48-$66/month. Our thorough analysis shows customers can save as much as $276 by getting multiple quotes

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Ames Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $50/1 month for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $120,000

2 Beds, 2 Bath 1030 sqft Rental Property Constructed In 2014 with Carpet Flooring, Membrane Roof, Piers Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

47 Years old Single Female who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $550/7 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $210,000

5 Beds, 5 Baths 2220 sqft Vacation Property Constructed In 1973 with Carpet over wood flooring, Membrane Roof, Crawl Space Foundation, Brick siding, Metal Frame Construction. Home Features Include Swimming Pool, Central Air Conditioning, Fire Extinguisher, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

53 Years old Single Male who is a Freelancer with household income of $50-$75,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $430/3 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $250,000

5 Beds, 5 Bath 2690 sqft Rental Property Constructed In 2008 with Ceramic Tile Flooring, Composition Roof, Slab Foundation, Stucco siding, Brick Frame. Home Features Include Smoke Alarm, Deadbolt Locks, Central Air Conditioning, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

52 Years old Married Female who is a Freelancer with household income of more than $150,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $250/2 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $185,000

4 Beds, 4 Bath 2050 sqft Primary Residence Constructed In 2011 with Wood Flooring, Slate Shingles Roof, Chainwall Foundation, Wood siding, Brick Frame. Home Features Include Copper Water Pipes, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

25 Years old Single Female who has a Full Time Job with household income of $50-$75,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $820/6 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $325,000

4 Beds, 4 Bath 3260 sqft Primary Residence Constructed In 1980 with Carpet Flooring, Membrane Roof, Chainwall Foundation, Brick siding, Wood Frame. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

38 Years old Single Male who is a Freelancer with household income of $75-$100,000 and has 1 Pet and is a Smoker

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

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $710/10 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $175,000

3 Beds, 3 Baths 2060 sqft Vacation Property Constructed In 1949 with Hardwood Flooring, Metal Roof, Slab Foundation, Stucco siding, Brick Frame. Home Features Include Fire Extinguisher, Smoke Alarm, Indoor Sprinklers, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

38 Years old Single Male who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $90/1 month for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $130,000

2 Beds, 2 Bath 1280 sqft Primary Residence Constructed In 1946 with Wood Flooring, Tile Roof, Crawl Space Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Smoke Alarm, Deadbolt Locks, Central Air Conditioning, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

29 Years old Single Male who has a Full Time Job with household income of more than $150,000 and has More than 3 Pets at home and is a Smoker

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

  • 700-749 Credit Score

Home Insurance Rate of $590/9 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $170,000

3 Beds, 3 Bath 1530 sqft Rental Property Constructed In 2007 with Linoleum, Tile Roof, Slab Foundation, Brick siding, Stucco Construction. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

71 Years old Married Female who has a Full Time Job with household income of $100-$150,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $550/6 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $155,000

3 Beds, 3 Baths 1930 sqft Primary Residence Constructed In 1970 with Stone Flooring, Shingles Roof, Piers Foundation, Stucco siding, Metal Frame Construction. Home Features Include Smoke Alarm, Deadbolt Locks, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

38 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has No Pets and is a Smoker

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

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $670/12 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $135,000

2 Beds, 2 Bath 1360 sqft Rental Property Constructed In 1980 with Ceramic Tile Flooring, Slate Shingles Roof, Slab Foundation, Stone Siding, Wood Frame. Home Features Include Smoke Alarm, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

71 Years old Single Male who is Unemployed and has 2 Pets and is a Non-Smoker

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

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $190/3 months for $75,000-$100,000 Coverage
Policy Holder Home Details :

Home Value : $80,000

1 Bed, 1 Bath 612 sqft Primary Residence Constructed In 1936 with Carpet Flooring, Metal Roof, Piers Foundation, Wood siding, Wood Frame. Home Features Include Deadbolt Locks, Swimming Pool, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

49 Years old Divorced Female who has a Full Time Job with household income of $25-50,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Ames, IA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
50014 $206,200 $730
50010 $163,000 $700

Ames Rates & Quotes Analysis:

Ames Area Estimated House Insurance
Burnham Dr, Baughman Rd, Stone Brooke Cir, Burnett Ave, Prairie Ridge Cir, Bell Ave, Farnham Ave, Carnegie Ave, Truman Dr, N Sherman Ave$721
Hemingway Dr, Quail Ridge Rd, Turnberry Ct, North Dakota Ave, Sand Hill Trl, Ironwood Ct, 590th Ave, Union Dr, Coolidge Dr, University Blvd$726
Buchanan Ct, 201st St, 530th Ave, N 500th Ave, Carroll Ave, Christian Petersen Ave, Chelsea Ct, Southdale Dr, Garden Rd, Arthur Cir$698
S Sheldon Ave, Watt St, Whitetail Ln, 605th Ave, Columbine Cir, Co Hwy R38, Camden Dr, Wellons Dr, Lakeview Pl, Waterbury Cir$716
Carr Dr, N 2nd St, Thompson Dr, Oliver Cir, Ironwood Ln, Luther Dr, Keats St, Graham St, N Ridge Cir, Bellflower Dr$677
193rd St, Barr Dr, Bridgeport Dr, Linden Dr, Maplewood Cir, Arizona Cir, Timber Creek Dr, E 2nd St, Greenbriar Cir, Brickman Ave$722
Timber Rd, Squaw Creek Dr, Westlawn Dr, Dover Dr, S 2nd St, Mortensen Pkwy, Windsor Ct, Eisenhower Ave, Eisenhower Ave, Bill Brooks Blvd$724
20th St, Trailridge Rd, Garner Ave, Chestnut St, Co Rd E57, Clark Ave, US Hwy 30, Utah Dr, Mesa Verde Pl, White Oak Cir$693
E 13th St, Park Ave, River Oak Dr, Baker St, Carroll Ave, 26th St, Dayton Pkwy, George W Carver Ave, Tangerine Ln, 209th Ln$681
Topaz Ct, Brookridge Ave, Charlotte Ct, Ontario St, Ridgewood Ave, Clinton Ct, Finch St, Murray Dr, Onyx St, Stone Brooke Rd$705

Insurance rates are influenced by a number of factors including:

  • Year Built: 2,742 Homes (11% of total) built between 1939 or earlier in Ames are paying home insurance between $1,476-$1,486 and varies from Franklin (+$15), Polk City (+$28), Crocker (+$12), Kelley (-$54) and Lafayette (-$42).
  • Bedrooms: 6,745 3 bedrooms homes (29% of total homes ) in Ames are paying about $767 and varies from Franklin (+$7), Polk City (+$13), Crocker (+$5), Washington (-$13) and Kelley (-$29).
  • Auto Insurance Bundling: 5,415 Households (55% of all households) in Ames have 2 vehicles available and when it is bundled with home insurance you can save $138. Discounts for similar bundling in close by locations such as Washington, Franklin, Kelley come to $137, $139, $133 respectively.
  • Senior Discounts: 4,410 seniors (more than 55 years) occupied housing units (45% of total) in Ames get discounts between $103 to $105 in contrast with Washington ($102), Franklin ($104), Kelley ($99).
  • New Homes discounts: New homes such as the 11,188 homes built between 2000 to 2009 in Ames can save $138 and similar new home insurance discounts in nearby towns and cities like Washington, Franklin and Kelley are $137, $139 and $133 respectively.

Ames Homeowners insurance Facts

  • Ames, IA has 9,712 owner occupied houses which is 42.8% of all units whereas Washington, Franklin and Kelley have 33.25%, 64.42% and 70.34% respectively.
  • Ames, IA homeowners yearly insurance price at $691 is 0.41% of the typical house value of $170,600 which is in contrast with 0.43% in Washington, 0.38% at Franklin & 0.55% in Kelley.
  • Homeowners in Ames, IA pay 1.84% of their income ($35,000 to $39,999) in insurance whereas homeowners in Washington, Franklin and Kelley pay 1.83%, 1.86% and 1.77% respectively.
  • Ames, IA’s insurance is 4.2% of monthly housing costs of $1,364/month, for owners with a mortgage compared to 4.46% in Washington, 3.95% at Franklin & 4.12% in Kelley. But, for households without a mortgage, insurance is 12.7% of costs ($455 in Ames, IA) in contrast with 12.59% in Washington, 12.27% at Franklin & 13.23% in Kelley.

Ames, IA Home Values & Insurance rates

For example, insurance for 1,326 Homes (14.0% of total homes ) valued between $125,000 to $149,999 in Ames, IA is about $552. Rates in nearby areas in such as Franklin, Alleman, Polk City are cheaper by $36, $36, $53 respectively while Washington and Kelley are costlier by $31 and $206 respectively for similar homes.

Ames, IA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 661 7.0% $96
$80,000 to $89,999 159 1.0% $338
$90,000 to $99,999 299 3.0% $380
$100,000 to $124,999 1,050 11.0% $442
$125,000 to $149,999 1,326 14.0% $552
$150,000 to $174,999 1,510 16.0% $656
$175,000 to $199,999 1,102 11.0% $753
$200,000 to $249,999 1,628 17.0% $912
$250,000 to $299,999 805 8.0% $1112
$300,000 to $399,999 773 8.0% $1416

Renters Insurance in Ames

  • Average Renters Insurance in Ames :  $94($7/month)

  • Median Gross Rent in Ames :  $738

  • Ames Renters Insurance to Median Rent Ratio:  0.95%

  • Renter occupied housing units in Ames :  12,995

Ames Renters Insurance as a Percentage of Rent

Ames Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 952 7.0% $1223
$500 to $749 5,570 43.0% $1898
$750 to $999 3,571 27.0% $2648
$1,000 to $1,499 2,145 16.0% $3773
$1,500 or more 410 3.0% $5423

Rent Affordability in Ames:

Approximately 55.0% (7,152) of households are spending more than 35% of their income on gross rent in Ames

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,209 9.0%
15.0 to 19.9 percent 1,406 10.0%
20.0 to 24.9 percent 1,368 10.0%
25.0 to 29.9 percent 1,069 8.0%
30.0 to 34.9 percent 791 6.0%
35.0 percent or more 7,152 55.0%

Ames Renters Insurance Discounts:

Ames Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Ames, IA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 5,697 43.0% $9.4
2 vehicles available 4,022 30.0% $14.1
3 or more vehicles available 1,825 14.0% $18.8

Ames Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 358 2.0% $73
60 to 64 years 170 1.0% $59
65 to 74 years 240 1.0% $47
75 years and over 376 2.0% $36

Protective device discount in Ames Up to :  $14

Claims-free discount in Ames Up to :  $18