Ames, IA homeowners 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. Enter your zipcode below and click “GO” to get multiple free quotes.
| Home Insurance Company Near Ames, IA | Homeowners Insurance Agency Near Ames, IA | Address |
|---|---|---|
| Allstate | Heenan Agency Inc | 901 1St Ave, Perry, IA, 50220 |
| Liberty Mutual Independent | Two Rivers Insurance Services | 4500 Westown Pkwy Ste 277 Wdm, West Des Moines, IA, 50266 |
| Allstate | Betty Bebout | 3636 Westown Pkwy Ste 101, West Des Moines, IA, 50266 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Washington township, Story County, Iowa | $103 | $137 | $206 |
| Franklin township, Story County, Iowa | $104 | $139 | $209 |
| Kelley city, Iowa | $100 | $133 | $200 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Ames, IA | 4.2% | 12.7% |
| Washington | 4.46% | 12.59% |
| Franklin | 3.95% | 12.27% |
| Kelley | 4.12% | 13.23% |
| 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 |
| Streets in Ames Area | Homeowners Insurance Cost |
|---|---|
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Ames | $103 to $105 |
| Washington | $102 |
| Franklin | $104 |
| Kelley | $99 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $500 | $1,500 |
| Yearly Ames Homeowner Insurance Premium Example | $1,800 | $1,300 |
| Out of Pocket Expense During Claim | $500 | $1,500 |
| Total Home Insurance Premium for 4 years + Out of Pocket Expense for Claim | $7,700 | $6,700 |
| Net Savings to Ames Home Owner from High Deductible Plan | $1,000 | |
| Scenario | Ames, IA Home Replacement Value MORE than Home Value | Ames, IA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $299,500 | $203,000 |
| Insurance Premium based on Replacement Value | $1,700 | $1,150 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $27,500 | Risk Exposure from Under Insuring Coverage is $69,000 |
| Premium Impact | Insurance cheaper by $375/year | Insurance costlier by $175/year |
| Insurance Company | Chubb Group of Insurance | American Family Insurance | Liberty Mutual |
| Monthly Premium | 76 | 155 | 78 |
| Year Built | 1977 | 1982 | 2012 |
| Home Details | 2 Beds, 1 Baths | 5 Beds, 2 Baths | 4 Beds, 2 Baths |
| Coverage Amount | $200000-$250000 | $400000-$500000 | $200000-$250000 |
| Deductible | $5000 to $10,000 Deductible | $5000 to $10,000 Deductible | > $10,000 Deductible |