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Ames, IA Home Values & Insurance Rates

Ames, IA Home 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

Top Home Insurance Agents Near Ames, IA

Home Insurance Company Near Ames, IA Homeowners Insurance Agency Near Ames, IA Address
NA Universal Insurance Group 2333 Mckinley Avenue Des Moines, Des Moines, IA, 50315
NA Agro Insurance Llc 1422 Central Avenue 1422 Central Avenue Fort Dodge, Fort Dodge, IA, 50501
Allstate Betty Bebout 3636 Westown Pkwy Ste 101, West Des Moines, IA, 50266
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

Estimated Home Insurance By Street Area Near Ames, IA

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

Savings on home insurance for senior occupied homes

PlaceSavings
Ames$103 to $105
Washington$102
Franklin$104
Kelley$99

Ames, IA Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Ames, IA4.2%12.7%
Washington4.46%12.59%
Franklin3.95%12.27%
Kelley4.12%13.23%

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

Ames, IA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,600$3,600
Yearly Ames Homeowner Insurance Premium Example $1,400$1,000
Out of Pocket Expense During Claim$1,600$3,600
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $11,400$10,600
Net Savings to Ames Home Owner from High Deductible Plan $800

Ames, IA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Ames, IA Home Replacement Value MORE than Home Value Ames, IA Home Replacement Value LESS than Home Value
Replacement Value $250,500 $148,000
Insurance Premium based on Replacement Value $2,075 $1,225
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $57,500 Risk Exposure from Under Insuring Coverage is $45,000
Premium Impact Insurance cheaper by $375/year Insurance costlier by $475/year

Example Ames Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceFarmers InsuranceChubb Group of Insurance
Monthly Premium 65167109
Year Built 197520061942
Home Details 2 Beds, 1 Baths4 Beds, 2 Baths5 Beds, 3 Baths
Coverage Amount $125000-$150000$250000-$300000$200000-$250000
Deductible $1000-$2500 Deductible$1000-$2500 Deductible$1000-$2500 Deductible

Ames, IA Auto & Home Insurance Bundling Discounts

Place 1 Car Bundle Savings 2 Car Bundle Savings 3 Car Bundle Savings
Washington township, Story County, Iowa $103 $137 $206
Franklin township, Story County, Iowa $104 $139 $209
Kelley city, Iowa $100 $133 $200

Sample Home Insurance Rates for Ames, IA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2010 205,000 Wood Shake Roof 2,000 5 > $10,000 Deductible 480 8 Stucco siding No
2012 215,000 Metal Roof 2,410 4 $2500-$5000 Deductible 880 6 Brick siding No
1944 125,000 Membrane Roof 1,360 2 $500 Deductible 670 8 Wood siding yes
2014 120,000 Membrane Roof 1,030 2 $2500-$5000 Deductible 50 1 Fiber-Cement Siding No
1973 210,000 Membrane Roof 2,220 5 > $10,000 Deductible 550 7 Brick siding yes
2008 250,000 Composition Roof 2,690 5 $500 Deductible 430 3 Stucco siding No
2011 185,000 Slate Shingles Roof 2,050 4 $1000-$2500 Deductible 250 2 Wood siding No
1980 325,000 Membrane Roof 3,260 4 $5000 to $10,000 Deductible 820 6 Brick siding yes
1949 175,000 Metal Roof 2,060 3 $1000-$2500 Deductible 710 10 Stucco siding No
1946 130,000 Tile Roof 1,280 2 $500 Deductible 90 1 Fiber-Cement Siding yes
2007 170,000 Tile Roof 1,530 3 $500- $1000 Deductible 590 9 Brick siding yes
1970 155,000 Shingles Roof 1,930 3 $500 Deductible 550 6 Stucco siding yes
1980 135,000 Slate Shingles Roof 1,360 2 $1000-$2500 Deductible 670 12 Stone Siding No
1936 80,000 Metal Roof 612 1 $500- $1000 Deductible 190 3 Wood siding No