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If you're a homeowner in Bettendorf, IA, you know your home is one of your biggest investments. And, like any investment, you want to protect it. That's where home insurance comes in. Home insurance is a type of property insurance that covers your home and your belongings in the event of damage or theft. Homeowners insurance rates in Bettendorf, Iowa, differ widely from person to person. The average cost of home insurance in Bettendorf, IA, is $975. There are many different home insurance policies, so it's essential to research and find the one that's right for you. Make sure you understand the coverage and the deductibles before you buy. Before buying home insurance, homeowners should compare the insurance quotes provided by various companies in Bettendorf, Iowa. The following are a few factors that affect Bettendorf, Iowa, home insurance rates.

Cost of Home Insurance Based on the Deductibles in Bettendorf, IA

Deductibles are the amount you, the policyholder, are responsible for paying out of pocket before your insurance company will pay on a claim. You can always pay a higher deductible in exchange for a lower premium, but make sure you have enough money set aside to cover the deductible if you need to make a claim. For instance, in Bettendorf, Iowa homeowners with deductibles of $1500 and $2000 pay premiums of $820 and $745, respectively. However, homeowners with a $500 or $1,000 deductible pay $963 and $871, respectively.

Cost of Home Insurance Based on the Safety Features in Bettendorf, IA

Bettendorf, IA, residents can expect to pay more if their home lacks certain safety features. This is because insurance companies view homes with these features as more likely to experience a loss and thus charge higher premiums to offset this risk. Some of the most common safety features that can impact the cost of home insurance include security systems, smoke detectors, and sprinkler systems. In Bettendorf, IA, houses with deadbolts pay $848 for homeowner's insurance.

Here's a closer look at how these features can affect the cost of home insurance in Bettendorf, IA.

Cost of Home Insurance Based on the Materials Used in Bettendorf, IA

In Bettendorf, Iowa, one of the things that insurers take into account is the materials used to construct your home. For example, if your home is made of wood, it may be considered a more "risky" investment than a home made of brick or stone. As a result, you may pay a higher premium for your home insurance. The use of authentic and durable materials, such as clay brick, concrete, a roof that can resist hail, etc., is advocated for homeowners. This significantly lowers the cost of your Bettendorf, Iowa, homeowner's insurance. For instance, homeowners that opt to utilize fire-resistant brick or masonry in Bettendorf, IA, Maryland, pay $848 and $926 in insurance, respectively.