Bettendorf, IA Home Insurance - Analysis On Quotes, Rates & Agents
Bettendorf Insurance Rates:
Bettendorf, IA homeowners insurance is nearly $586 to $796, about $48-$66/month. Our in depth analysis reveals consumers can save as much as $276 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Find the best Cost of Homeowners Insurance in Bettendorf, IA
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.
Bettendorf, IA Homeowners Insurance By Home Value
| Bettendorf, IA Home Value | Total Homes | % of Total | Average Bettendorf, IA Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 272 | 2.0% | $96 |
| $70,000 to $79,999 | 195 | 2.0% | $304 |
| $80,000 to $89,999 | 181 | 1.0% | $338 |
| $90,000 to $99,999 | 475 | 5.0% | $380 |
| $100,000 to $124,999 | 1,202 | 12.0% | $442 |
| $125,000 to $149,999 | 1,629 | 17.0% | $552 |
| $150,000 to $174,999 | 1,317 | 14.0% | $656 |
| $175,000 to $199,999 | 786 | 8.0% | $760 |
| $200,000 to $249,999 | 1,172 | 12.0% | $912 |
| $250,000 to $299,999 | 977 | 10.0% | $1112 |
| $300,000 to $399,999 | 1,065 | 11.0% | $1416 |
Top Home Insurance Agents Near Bettendorf, IA
| Home Insurance Company Near Bettendorf, IA | Homeowners Insurance Agency Near Bettendorf, IA | Address |
|---|---|---|
| NA | Van Buer Insurance, Inc. | 1830 N 2Nd St, Clinton, IA, 52732 |
| Travelers | Csb Insurance | 218 S Exchange, Galva, IL, 61434 |
| Allstate | Derek Newton | 3311 Avenue Of The Cities, Moline, IL, 61265 |
| State Farm | Matt Mccall | 102 E. South St, Tipton, IA, 52772 |
| Travelers | Mel Foster Co Insurance Inc | 3218 E 35Th Street Ct, DAVENPORT, IA, 52807 |
Bettendorf, IA Home Insurance Agents for Top Companies
Cost Of Homeowners Insurance By Street Near Bettendorf, IA
| Streets in Bettendorf Area | Homeowners Insurance Cost |
|---|---|
| Clover Hills Ct, Parklane Cir, N 14th St, Bellevue Ave, Oxford Dr, Kilt Ct, Zimmerman Dr, 191st St, Summit Hills Ct, Red Fox Rd | $731 |
| 290th Street Pl, Kohles Ct, 251st Ave, Clay St, Marynoel, Central Ave, Tanglefoot Ter, Lindbergh Dr, Wendy Ct, San Jose Ct | $699 |
| 264th St, Rolling Hills Dr, Mississippi Blvd, 42 St, Parkdale Dr, Glenn St, Richmond Ct, Silver Spur Ct, Cherry St, 257th Ave | $705 |
| Holmes St, Hollows Ct, Elmwood Ave, Iowa Dr, 23rd Street Ct, 205th St, 33rd St, 290th St, Bunker Hill Dr, Douglas Ct | $718 |
| 282nd St, Perkins Ct, Crow Valley Dr, Chestnut St, Ashworth Ct, Kings Ct, Levi Ln, S 10th St, Eagle View Ct, 42nd St S | $702 |
| Saint Andrews Cir, Reynolds St, Hopewell Ave, Hartford, Coachman Rd, Woodberry Ct, Eldorado Dr, Baron Ct, Central Ln, Cliffside Dr | $739 |
| Thornwood Ln, Meadows Cir, Stone Terrace Ct, E Ridge Pl, Criswell St, 300th St, 49th Ave, Fieldcrest Rd, Forest Hills Rd, New Castle Ln | $733 |
| Spencer Dr, Rosehill Ave, Heather Glen Cir, Colonial Ave, 179th St, Maplewood Dr, Harmony Ct, 34th St, Eastmere Dr, Brown Ct | $778 |
| Dodge St, Middle Haven Rd, Johnathan Ave, 221st St, W Valley Dr, N 23rd St, Woodcrest Ct, Dundee Ln, Bristol Dr, Pius Ln | $734 |
| S 4th St, S 15th St, N 6th St, 250th Ave, Timberline Dr, Squire Dr, Winston Dr, Victoria St, Belmont Rd, Medina Dr | $730 |
Bettendorf, IA Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Bettendorf | $103 to $105 |
| Pleasant Valley | $103 |
| Panorama Park | $99 |
| Riverdale | $102 |
Bettendorf, IA Auto & Homeowners Insurance Bundling Discounts
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Pleasant Valley township, Scott County, Iowa | $104 | $138 | $207 |
| Panorama Park city, Iowa | $99 | $132 | $198 |
| Riverdale city, Iowa | $103 | $137 | $206 |
Bettendorf, IA Area Home Insurance as a % of Housing Cost
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Bettendorf, IA | 4.1% | 13.4% |
| Pleasant Valley | 4.07% | 13.42% |
| Panorama Park | 5.52% | 15.76% |
| Riverdale | 3.6% | 15.08% |
Bettendorf Renters Insurance as a Percentage of Rent
| Bettendorf Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $200 to $299 | 101 | 3.0% | $773 |
| $300 to $499 | 367 | 12.0% | $1223 |
| $500 to $749 | 1,006 | 34.0% | $1898 |
| $750 to $999 | 838 | 28.0% | $2648 |
| $1,000 to $1,499 | 350 | 12.0% | $3773 |
| $1,500 or more | 240 | 8.0% | $5423 |
Bettendorf, IA Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,700 | $3,700 |
| Yearly Bettendorf Homeowner Insurance Premium Example | $1,400 | $1,000 |
| Out of Pocket Expense During Claim | $1,700 | $3,700 |
| Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim | $11,500 | $10,700 |
| Net Savings to Bettendorf Home Owner from High Deductible Plan | $800 | |
Bettendorf, IA Home Insurance Costs With Home Replacement Value Scenarios
| Scenario | Bettendorf, IA Home Replacement Value MORE than Home Value | Bettendorf, IA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $411,000 | $275,000 |
| Insurance Premium based on Replacement Value | $2,825 | $1,900 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $56,500 | Risk Exposure from Under Insuring Coverage is $79,500 |
| Premium Impact | Insurance cheaper by $550/year | Insurance costlier by $375/year |
Example Bettendorf Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company | Travelers | Chubb Group of Insurance | Amica Mutual Insurance Company |
| Monthly Premium | 54 | 148 | 165 |
| Year Built | 1990 | 1972 | 2010 |
| Home Details | 3 Beds, 2 Baths | 4 Beds, 1 Baths | 5 Beds, 2 Baths |
| Coverage Amount | $100000-$125000 | $250000-$300000 | $400000-$500000 |
| Deductible | $500 Deductible | $1000-$2500 Deductible | $5000 to $10,000 Deductible |
Sample Home Insurance Rates for Bettendorf, IA from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 1974 | 240,000 | Membrane Roof | 2,360 | 3 | $1000-$2500 Deductible | 1450 | 9 | Brick siding | No |
| 2003 | 285,000 | Composition Roof | 2,630 | 5 | > $10,000 Deductible | 640 | 6 | Wood siding | No |
| 2010 | 365,000 | Metal Roof | 3,270 | 5 | > $10,000 Deductible | 860 | 8 | Vinyl siding | No |
| 1983 | 310,000 | Shingles Roof | 2,720 | 4 | $500 Deductible | 520 | 3 | Stucco siding | No |
| 1979 | 230,000 | Membrane Roof | 2,170 | 4 | $5000 to $10,000 Deductible | 930 | 10 | Vinyl siding | yes |
| 2004 | 150,000 | Asphalt Shingles Roof | 1,460 | 3 | $2500-$5000 Deductible | 620 | 8 | Fiber-Cement Siding | yes |
| 1961 | 230,000 | Membrane Roof | 2,330 | 3 | $5000 to $10,000 Deductible | 1180 | 10 | Fiber-Cement Siding | No |
| 2004 | 345,000 | Metal Roof | 3,690 | 5 | $5000 to $10,000 Deductible | 510 | 5 | Stucco siding | No |
| 1992 | 200,000 | Membrane Roof | 2,410 | 4 | $500 Deductible | 570 | 6 | Stone Siding | No |
| 2014 | 270,000 | Wood Shake Roof | 3,010 | 4 | $500 Deductible | 1520 | 8 | Stucco siding | No |
| 1961 | 275,000 | Tile Roof | 3,100 | 4 | $5000 to $10,000 Deductible | 1190 | 12 | Stucco siding | yes |
| 1966 | 210,000 | Wood Shake Roof | 2,210 | 5 | $500- $1000 Deductible | 130 | 1 | Vinyl siding | yes |
| 1961 | 155,000 | Wood Shake Roof | 1,370 | 3 | $500- $1000 Deductible | 470 | 8 | Vinyl siding | yes |
| 1981 | 450,000 | Slate Shingles Roof | 4,220 | 5 | $1000-$2500 Deductible | 1910 | 7 | Vinyl siding | No |
| 2004 | 210,000 | Metal Roof | 2,290 | 3 | $1000-$2500 Deductible | 110 | 1 | Wood siding | No |
| 1990 | 230,000 | Membrane Roof | 2,390 | 4 | > $10,000 Deductible | 430 | 7 | Stucco siding | No |
| 1967 | 205,000 | Slate Shingles Roof | 2,290 | 5 | $500- $1000 Deductible | 770 | 10 | Brick siding | yes |
| 1978 | 370,000 | Membrane Roof | 3,250 | 4 | $2500-$5000 Deductible | 510 | 3 | Wood siding | yes |
| 2013 | 295,000 | Composition Roof | 2,780 | 4 | $5000 to $10,000 Deductible | 1040 | 10 | Stone Siding | yes |
| 2002 | 205,000 | Wood Shake Roof | 1,860 | 4 | $500 Deductible | 1080 | 10 | Wood siding | No |
| 1989 | 320,000 | Wood Shake Roof | 2,920 | 5 | $1000-$2500 Deductible | 920 | 5 | Stone Siding | No |
| 1984 | 225,000 | Slate Shingles Roof | 2,340 | 4 | $1000-$2500 Deductible | 780 | 8 | Vinyl siding | No |
| 2000 | 180,000 | Metal Roof | 1,550 | 5 | $1000-$2500 Deductible | 550 | 8 | Wood siding | No |
| 2002 | 450,000 | Asphalt Shingles Roof | 4,230 | 5 | $5000 to $10,000 Deductible | 940 | 6 | Wood siding | yes |
| 1995 | 320,000 | Wood Shake Roof | 3,420 | 5 | $1000-$2500 Deductible | 330 | 2 | Fiber-Cement Siding | yes |
| 1977 | 280,000 | Shingles Roof | 3,340 | 4 | $500 Deductible | 150 | 1 | Vinyl siding | yes |
| 2004 | 510,000 | Wood Shake Roof | 4,550 | 5 | $500 Deductible | 2600 | 12 | Brick siding | yes |
| 1974 | 130,000 | Tile Roof | 1,500 | 3 | $2500-$5000 Deductible | 370 | 9 | Stucco siding | No |
| 1974 | 125,000 | Shingles Roof | 1,370 | 3 | $2500-$5000 Deductible | 230 | 5 | Wood siding | yes |
| 1990 | 330,000 | Slate Shingles Roof | 3,380 | 4 | $1000-$2500 Deductible | 2120 | 12 | Brick siding | yes |
| 1961 | 145,000 | Tile Roof | 1,790 | 4 | $1000-$2500 Deductible | 780 | 8 | Stucco siding | yes |
| 1996 | 255,000 | Composition Roof | 2,160 | 3 | > $10,000 Deductible | 400 | 4 | Wood siding | No |
| 1988 | 185,000 | Tile Roof | 2,260 | 5 | $5000 to $10,000 Deductible | 130 | 2 | Brick siding | yes |
| 1969 | 240,000 | Shingles Roof | 2,160 | 3 | $500 Deductible | 780 | 5 | Fiber-Cement Siding | yes |
Latest Home Insurance Reviews
AllstateI would recommend Allstate Insurance because they offer many different coverages according to your needs. If you want auto insurance, you can get this and you will not be penalized for your first accident.
AllstateAllstate Home Insurance is probably best known for its home insurance policies, but the company offers a variety of financial services. With its massive reach, wide range of products and many local agents.
TravelersWe had had Travelers home insurance for 30 years now. Their customer service is excellent. You get a real person when you call who can always provide you with clear answers to questions.Their rates are also very reasonable.
Grange InsuranceEvery operator I've spoken too has been curios and informative. They have answered all of my needs with accuracy and well informed.
GeicoI would say that is was bad usually they try to save money and hire some strange people that dont even live here in the Us so they dont know how to deal with people and overall dont care.
Liberty MutualLIBERTY MUTUAL HAS ALWAYS BEEN THERE FOR ME.WHEN IT COMES TO PRICE THEY BEAT EVERYONE WE HAD QUOTED. CUSTOMER SERVICE HAS ALWAYS BEEN TOP NOTCH.I WOULD HIGHLY RECOMMEND THEM.
State FarmCovers flood, fire, storm damage. I'm not familiar with other companies, I went with State Farm because that is who I have auto insurance through.
Farm BureauI love working with a local business and being able to develop relationships with the people that we deal with. We are completely satisfied with all the products and services we get from them.
GeicoI would recommend this my current company and provider for home insurance, because they are reliable and have been the best company to meet or beat expectations of other companies and this is why I would recommend their services to others in future.
Liberty MutualThey have an easy website to look up coverage and file a claim. i've seen other smaller companies without these features.
ProgressiveI moved to a rural area a few years ago and purchased a house. i am covered, however, progressive does not have a wide range of physical locations where i can drop in or make an appointment.
Liberty MutualI have no negative comments about my home insurance company. i have submitted no claims. i do not like that i have a $1000 deductible on my policy
State FarmThe customer service has been exceptional so far. Every time I call in they are super friendly and helpful and understanding.
Farm BureauThe company's mobile app is very user-friendly and is easy to navigate. I am always able to find what I need when I use the mobile app.
State FarmI like that they don't bother me. If I need something, I contact them. Otherwise, I get info from mailings or e-mails.
State FarmI have been with them a long time, so it is hard to switch since others may not offer that same level of coverage or the same extras that I am getting now.
Farm BureauI dislike that they aren't open 7 days a week. If something happens on the weekend, the office is closed.
GeicoI haven't had much experience with the customer service because I've never had to file a claim. However, they were available to answer any questions I had when signing up for the policy.
Farmer's InsuranceI would recommend farmers insurance to others as they are very personable and approachable. i beleive they are a great fit for all of your insurance needs.