Council Bluffs Insurance Rates:

Council Bluffs, IA home insurance is about $561 to $760, about $46-$63/month. Our detailed research shows customers can save upto $264 by getting multiple quotes

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Council Bluffs Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $330/9 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $100,000

3 Beds, 3 Bath 1620 sqft Seasonal Residence Constructed In 2004 with Carpet over wood flooring, Membrane Roof, Crawl Space Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Fireplace, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

32 Years old Single Male who has a Full Time Job with household income of $50-$75,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $30/1 month for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $60,000

2 Beds, 2 Bath 970 sqft Vacation Property Constructed In 1943 with Stone Flooring, Shingles Roof, Crawl Space Foundation, Vinyl siding, Stucco Construction. Home Features Include Swimming Pool, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

58 Years old Divorced Female who is a Freelancer with household income of $75-$100,000 and has 1 Pet and is a Non-Smoker

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

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $440/4 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $315,000

5 Beds, 5 Baths 4170 sqft Rental Property Constructed In 1970 with Stone Flooring, Composition Roof, Piers Foundation, Stucco siding, Stucco Construction. Home Features Include Indoor Sprinklers, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

61 Years old Divorced Female who has a Full Time Job with household income of more than $150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $470/5 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $290,000

4 Beds, 4 Baths 3240 sqft Primary Residence Constructed In 1986 with Wood Flooring, Wood Shake Roof, Piers Foundation, Stone Siding, Stucco Construction. Home Features Include Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

39 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

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

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $940/9 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $215,000

5 Beds, 5 Baths 2910 sqft Seasonal Residence Constructed In 1962 with Ceramic Tile Flooring, Membrane Roof, Chainwall Foundation, Vinyl siding, Brick Frame. Home Features Include Deadbolt Locks, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

48 Years old Married Male who is a Freelancer with household income of $75-$100,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $310/6 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $140,000

2 Beds, 2 Bath 1740 sqft Rental Property Constructed In 2005 with Hardwood Flooring, Shingles Roof, Crawl Space Foundation, Stucco siding, Stucco Construction. Home Features Include Central Air Conditioning, Fire Extinguisher, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

72 Years old Single Male who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $780/8 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $175,000

4 Beds, 4 Bath 2700 sqft Rental Property Constructed In 1962 with Hardwood Flooring, Shingles Roof, Chainwall Foundation, Stone Siding, Wood Frame. Home Features Include Smoke Alarm, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

45 Years old Married Female who is a Freelancer with household income of $50-$75,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $410/6 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $130,000

3 Beds, 3 Bath 1510 sqft Rental Property Constructed In 1974 with Carpet over wood flooring, Slate Shingles Roof, Crawl Space Foundation, Wood siding, Wood Frame. Home Features Include Deadbolt Locks, Indoor Sprinklers, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

69 Years old Single Female who is a Freelancer with household income of $75-$100,000 and has 2 Pets and is a Non-Smoker

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

  • 550-599 Credit Score

  • Seniors staying at home

Council Bluffs, IA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
51503 $160,700 $700

Council Bluffs Rates & Quotes Analysis:

Council Bluffs Area Estimated House Insurance
Ridgewood Dr, N 7th St, Sunshine Ln, Prospect St, Tara Hills Cir, Honey Locust St, Wallace Ave, Creek Frontage St, Scarlet Oaks Rd, Perry Rd$674
Ballard Cir, N Broadway, Carson Ave, Chapel Ridge Ln, S Hill Cir, Briarwood Dr, Baughn St, Iris Ln, Ivy Dr, Kings Way$672
Three Bridge Rd, 205th St, School Hill Ave, 27th Ave, N 1st St, Ave P, Birdsley Rd, Cherokee Ln, Homestead Ave, Pine Terrace Dr$697
Ethel Ln, N 6th St, N 10th St, S 18th St, Rawlins Dr, Catalpa St, S 10th St, Joslin Ave, Ave I, Levee Ave$695
Lake St, Gleason Ave, Hill St, 24th Ave, Cook Ave, Graham Ave E, Pryor Ave, Crogans Way Rd, 230th St, N 32nd St$698
Worth St, Oak Ridge View Cir, Ash St, Forest Glen, S 35th St, Bonnie Ln, Horizon Dr, Ramelle Dr, Creek Top, Wildwood Rd$723
Dogwood Rd, W Washington Ave, N 32nd St, Hawk Ln, Pinehurst Dr, W Kanesville Blvd, Lew Ross Rd, 220th St, Walnut Ridge, Denmark Dr$621
W Orchard, Country Club Acres St, Fleming Ave, Twelve Oaks Dr, S 20th St, State Orchard Rd, Meadowbrook Ln, Beal St, Knollwood Dr, E Pierce St$710
Elmwood Dr, S Main St, Hilltop Rd, W Pierce St, River Rd, South Ave, Water Dept Access Rd, Mynster St, Lawton Ter, Co Rd 988$697
35th Ave W, 30th Ave, Judd St, US Hwy 375, Graham Ave W, Plaza View Dr, Nicholas St, Adrian Ave, New Berry Cir, Locust Lodge Ave$702

Insurance rates are influenced by a number of factors including:

  • Year Built: 4,730 Homes (17% of total homes ) built between 1950 to 1959 in Council Bluffs are paying home insurance between $1,241-$1,251. Places close to Council Bluffs, IA such as Lewis, Garner, Lake are more expensive by $54, $112, $79 respectively while Carter Lake and Pacific Junction are cheaper by $15 and $30 respectively for similar homes.
  • Bedrooms: 9,735 2 bedrooms homes (36% of total homes ) in Council Bluffs are paying about $589. Areas near to Council Bluffs such as Lewis, Highland II(NE), Garner are costlier by $25, $317, $45 respectively whereas Carter Lake and Mineola are more economical by $7, $18 respectively for similar homes.
  • Auto Insurance Bundling: 7,306 Households (46% of all households) in Council Bluffs have 2 vehicles available and when it is bundled with home insurance you can save $132 in contrast with Kane ($131), Lewis ($137), Carter Lake ($130).
  • Senior Discounts: 7,303 seniors (more than 55 years) occupied housing units (46% of total) in Council Bluffs get discounts between $98 to $101 in contrast with Kane ($98), Lewis ($103), Carter Lake ($97).
  • New Homes discounts: New homes such as the 10,605 homes built between 2000 to 2009 in Council Bluffs can save $132 and varies from Kane ($131), Lewis ($137), Carter Lake ($130).

Council Bluffs Homeowners insurance Facts

  • Council Bluffs, IA has 15,778 owner occupied houses which is 63.7% of all units whereas Kane, Lewis and Carter Lake have 63.49%, 81.8% and 79.49% respectively.
  • Council Bluffs, IA homeowners yearly insurance price at $661 is 0.59% of the typical house value of $111,400 which is in contrast with 0.61% in Kane, 0.41% at Lewis & 0.68% in Carter Lake.
  • Homeowners in Council Bluffs, IA pay 1.2% of their income ($50,000 to $59,999) in insurance whereas homeowners in Kane, Lewis and Carter Lake pay 1.2%, 1.25% and 1.19% respectively.
  • Council Bluffs, IA’s insurance is 4.8% of monthly housing costs of $1,158/month, for owners with a mortgage compared to 4.91% in Kane, 4.23% at Lewis & 5.03% in Carter Lake. But, for households without a mortgage, insurance is 13.7% of costs ($401 in Council Bluffs, IA) in contrast with 13.94% in Kane, 13.11% at Lewis & 12.4% in Carter Lake.

Council Bluffs, IA Home Values & Insurance rates

For example, insurance for 1,574 Homes (10.0% of total homes ) valued between $90,000 to $99,999 in Council Bluffs, IA is about $561. Rates in nearby areas in such as Lewis, Lake, Gilmore II are cheaper by $169, $218, $114 respectively while Kane and Carter Lake are costlier by $18 and $85 respectively for similar homes.

Council Bluffs, IA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,365 8.0% $145
$50,000 to $59,999 397 2.0% $310
$60,000 to $69,999 855 5.0% $383
$70,000 to $79,999 965 6.0% $442
$80,000 to $89,999 1,354 8.0% $502
$90,000 to $99,999 1,574 10.0% $561
$100,000 to $124,999 3,025 19.0% $647
$125,000 to $149,999 2,281 14.0% $813
$150,000 to $174,999 1,378 8.0% $958
$175,000 to $199,999 633 4.0% $1110
$200,000 to $249,999 778 4.0% $1335
$250,000 to $299,999 544 3.0% $1632
$300,000 to $399,999 457 2.0% $2075

Renters Insurance in Council Bluffs

  • Average Renters Insurance in Council Bluffs :  $157($13/month)

  • Median Gross Rent in Council Bluffs :  $723

  • Council Bluffs Renters Insurance to Median Rent Ratio:  1.8%

  • Renter occupied housing units in Council Bluffs :  8,988

Council Bluffs Renters Insurance as a Percentage of Rent

Council Bluffs Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 230 2.0% $339
$200 to $299 381 4.0% $789
$300 to $499 988 11.0% $1239
$500 to $749 3,273 37.0% $1914
$750 to $999 2,848 32.0% $2664
$1,000 to $1,499 896 10.0% $3789
$1,500 or more 166 1.0% $5439

Rent Affordability in Council Bluffs:

Approximately 43.0% (3,950) of households are spending more than 35% of their income on gross rent in Council Bluffs

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,018 11.0%
15.0 to 19.9 percent 905 10.0%
20.0 to 24.9 percent 1,166 12.0%
25.0 to 29.9 percent 1,213 13.0%
30.0 to 34.9 percent 736 8.0%
35.0 percent or more 3,950 43.0%

Protective device discount in Council Bluffs Up to :  $23

Claims-free discount in Council Bluffs Up to :  $31