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.

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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

PlaceSavings For Senior Occupied Homes
Bettendorf$103 to $105
Pleasant Valley$103
Panorama Park$99

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

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Bettendorf, IA4.1%13.4%
Pleasant Valley4.07%13.42%
Panorama Park5.52%15.76%

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 DeductibleHigh Deductible
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 TravelersChubb Group of InsuranceAmica Mutual Insurance Company
Monthly Premium 54148165
Year Built 199019722010
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths5 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

I 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.
Allstate 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.
We 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 Insurance
Every operator I've spoken too has been curios and informative. They have answered all of my needs with accuracy and well informed.
I 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 Mutual
State Farm
Covers 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 Bureau
I 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.
I 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 Mutual
They have an easy website to look up coverage and file a claim. i've seen other smaller companies without these features.
I 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 Mutual
I 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 Farm
The customer service has been exceptional so far. Every time I call in they are super friendly and helpful and understanding.
Farm Bureau
The 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 Farm
I like that they don't bother me. If I need something, I contact them. Otherwise, I get info from mailings or e-mails.
State Farm
I 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 Bureau
I dislike that they aren't open 7 days a week. If something happens on the weekend, the office is closed.
I 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 Insurance
I 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.

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