Cedar Falls Insurance Rates:

Cedar Falls, IA homeowners insurance is about $582 to $791, about $48-$65/month. Our extensive analysis indicates shoppers can save upto $274 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
I have my home insurance with Allstate insurance company and I would definetly reccommend them to anyone. They have fair pricies for their policies .
State Farm
They have done everything that we have expected them to do. We could not ask for them to do more for us.
State Farm
I have had a great relationship with State Farm for over fifteen years. Every time I needed an answer to a question on payments and claims etc., they staff has been very highly professional.
Geico
We have been a Geico customer for over 5 years since we bought our house. We had a roof claim and storm claim in that time. Both were processed very quickly.
State Farm
Many offices around the world to choose from. tons of local agents who are available for a quick call or a walk-in which is very helpful with questions.
State Farm
I usually see a bill and realize there has been a rate change without much if any notification. that doesn't really bother me though, but it would be nice to have a little communication sometimes.
Allstate
Upon the completion of our appraisal, the company raised the protected value of our home without our prompting - which gave us greater peace of mind.
State Farm
The only thing that I can say that I dislike about this company is, as mentioned earlier, my suspicion that I could probably get a cheaper rate elsewhere.
Farm Bureau
600 dollars is a very good premium for the amount of coverage we have especially with such a low deductible.
Farm Bureau
We called our agent and told him of the issue, he said he would get a hold of the claims department and they would contact us. They called us the next day and came out to view the problem the day after that. Payment was issued within 2 weeks from that visit, which I thought was very timely.
State Farm
They are a little more expensive than other companies but I am willing to pay for it because I have built good relationships.
American Strategic Insurance
I like your service and this company is very competitive and I satisfy all his services in general
Safeco Insurance
I would highly recommend my Internet company for home insurance. They have been quick to respond with great customer service as well as unbeatable rates.

Cedar Falls, IA Homeowners Insurance By Home Value

Cedar Falls, IA Home Value Total Homes % of Total Average Cedar Falls, IA Homeowners Insurance
Less than $50,000 844 9.0% $102
$80,000 to $89,999 213 2.0% $356
$90,000 to $99,999 389 4.0% $404
$100,000 to $124,999 1,155 12.0% $466
$125,000 to $149,999 1,244 13.0% $583
$150,000 to $174,999 1,352 15.0% $692
$175,000 to $199,999 792 8.0% $795
$200,000 to $249,999 1,400 15.0% $960
$250,000 to $299,999 760 8.0% $1173
$300,000 to $399,999 639 7.0% $1488

Top Home Insurance Agents Near Cedar Falls, IA

Home Insurance Company Near Cedar Falls, IA Homeowners Insurance Agency Near Cedar Falls, IA Address
NA Elliott-Hartman Agency, Inc. 611 Ansborough Ave, Waterloo, IA, 50701
NA Laporte City Ins 502 Main St Laporte City, La Porte City, IA, 50651
NA Harms Insurance Agency 201 North Carpenters Street, Sumner, IA, 50674
NA Insurance Headquarters, Inc. 234 Main St, Readlyn, IA, 50668
Travelers Independent Ins Serv Of Central Iowa Inc 11 E CHURCH ST, MARSHALLTOWN, IA, 50158

Cedar Falls, IA Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Cedar Falls, IA

Streets in Cedar Falls Area Homeowners Insurance Cost
Hearthside Dr, W 16th St, Elmridge Dr, Sunny Cir, W Reinbeck Rd, Primrose Dr, Rainbow Dr, W Big Rock Rd, Stanley St, W Griffith Rd$698
Birch St, Barkwood Dr, W 13th St, Holmes Rd, Rainbow St, Addison Dr, Golden Valley Dr, Sunny Ln, Alexander Rd, E 10th St$683
Jessica Ln, White Tail Dr, Livingston Ln, W Big Rock Rd, Poplar Ave, Streeter Rd, Loren Dr, Ryan Dr, Colorado Rd, Cherrywood Pl$717
Chateau Ct, Westgate Ave, Boggs Rd, Rownd St, W Quarry Rd, W Hwy 58, Leonard Ave, Thorson Ave, W Bennington Rd, E 9th St$670
Butterfield Rd, Maplewood St, N Jefferson St, Knoke Pl, Wagner Rd, Poplar Ln, Mark Rd, W Marquis Rd, Primrose Dr N, Hawkeye Rd$700

Cedar Falls, IA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Cedar Falls$102 to $105
Waterloo$98
Hudson$103
Black Hawk$104

Cedar Falls, 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
Waterloo city, Iowa $82 $109 $164
Hudson city, Iowa $87 $115 $173
Black Hawk township, Black Hawk County, Iowa $87 $115 $173

Cedar Falls, 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
Cedar Falls, IA4.5%13.8%
Waterloo5.57%14.16%
Hudson4.25%12.19%
Black Hawk4.22%12.38%

Cedar Falls Renters Insurance as a Percentage of Rent

Cedar Falls Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 163 3.0% $776
$300 to $499 641 12.0% $1226
$500 to $749 1,953 39.0% $1901
$750 to $999 907 18.0% $2651
$1,000 to $1,499 884 17.0% $3776
$1,500 or more 394 7.0% $5426

Average Cost Of Home Insurance By Company In Areas Nearby Cedar Falls For Different Scenarios

Coverage ($) Premium ($) Company
476100000Country Mutual Insurance Company
675250000IMT Insurance Company
792100000State Farm Fire & Casualty Company
588150000Travelers Commercial Insurance Company
1131250000Garrison Property and Casualty Insurance Company
704100000Garrison Property and Casualty Insurance Company
9225000IMT Insurance Company
35270000Travelers Commercial Insurance Company
883250000Travelers Commercial Insurance Company
66270000United Services Automobile Association (USAA)

Cedar Falls, IA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$900$1,900
Yearly Cedar Falls Homeowner Insurance Premium Example $700$500
Out of Pocket Expense During Claim$900$1,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $6,500$5,900
Net Savings to Cedar Falls Home Owner from High Deductible Plan $600

Cedar Falls, IA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Cedar Falls, IA Home Replacement Value MORE than Home Value Cedar Falls, IA Home Replacement Value LESS than Home Value
Replacement Value $175,000 $113,500
Insurance Premium based on Replacement Value $1,125 $725
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $37,500 Risk Exposure from Under Insuring Coverage is $24,000
Premium Impact Insurance cheaper by $150/year Insurance costlier by $250/year

Example Cedar Falls Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceAmerican Family InsuranceNationwide Insurance
Monthly Premium 5112292
Year Built 197819422004
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 1 Baths
Coverage Amount $125000-$150000$300000-$350000$200000-$250000
Deductible $1000-$2500 Deductible> $10,000 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1981 175,000 Shingles Roof 1,540 2 $2500-$5000 Deductible 110 2 Stucco siding yes
2013 205,000 Tile Roof 2,110 5 $5000 to $10,000 Deductible 500 5 Stone Siding No
2012 250,000 Composition Roof 3,070 4 $1000-$2500 Deductible 1130 8 Wood siding yes
1988 135,000 Asphalt Shingles Roof 1,570 3 $500 Deductible 380 6 Wood siding No
2003 305,000 Membrane Roof 2,980 4 $1000-$2500 Deductible 1010 7 Fiber-Cement Siding yes
1949 245,000 Shingles Roof 2,640 5 $1000-$2500 Deductible 1060 10 Wood siding yes
1984 115,000 Wood Shake Roof 1,480 3 $500 Deductible 120 2 Brick siding No
1964 150,000 Composition Roof 1,900 3 $2500-$5000 Deductible 640 12 Stucco siding yes
1962 100,000 Shingles Roof 990 2 $2500-$5000 Deductible 70 2 Stone Siding yes
2000 160,000 Shingles Roof 1,810 3 $500- $1000 Deductible 1130 12 Stucco siding No
1941 150,000 Slate Shingles Roof 1,510 3 $5000 to $10,000 Deductible 140 3 Fiber-Cement Siding yes
2005 260,000 Composition Roof 3,050 4 $5000 to $10,000 Deductible 890 7 Stucco siding yes
1966 120,000 Composition Roof 1,100 2 $1000-$2500 Deductible 660 12 Brick siding yes
1970 95,000 Wood Shake Roof 1,130 2 $500 Deductible 160 3 Stucco siding No
2009 200,000 Shingles Roof 1,970 3 $500 Deductible 810 7 Fiber-Cement Siding No
1971 435,000 Wood Shake Roof 4,810 5 $500- $1000 Deductible 3320 12 Stone Siding No
1976 160,000 Metal Roof 1,730 3 $5000 to $10,000 Deductible 500 9 Fiber-Cement Siding yes
1987 160,000 Wood Shake Roof 1,460 3 $1000-$2500 Deductible 1070 12 Fiber-Cement Siding yes
2008 210,000 Wood Shake Roof 1,820 3 $2500-$5000 Deductible 1000 9 Stone Siding yes
1948 215,000 Asphalt Shingles Roof 2,550 4 $1000-$2500 Deductible 540 4 Vinyl siding No
2007 335,000 Tile Roof 3,700 5 $500- $1000 Deductible 1270 6 Stone Siding yes
2012 450,000 Metal Roof 4,310 5 $5000 to $10,000 Deductible 500 3 Fiber-Cement Siding No
1978 180,000 Slate Shingles Roof 2,180 3 $2500-$5000 Deductible 150 2 Fiber-Cement Siding No
1984 110,000 Tile Roof 1,030 2 $1000-$2500 Deductible 440 12 Fiber-Cement Siding yes
1989 150,000 Wood Shake Roof 1,940 4 $2500-$5000 Deductible 200 4 Fiber-Cement Siding No
1948 175,000 Composition Roof 1,700 5 $5000 to $10,000 Deductible 450 5 Stone Siding No
2000 125,000 Asphalt Shingles Roof 1,590 2 $500- $1000 Deductible 350 5 Brick siding No
1978 380,000 Metal Roof 3,630 5 $5000 to $10,000 Deductible 1800 12 Brick siding yes
1980 140,000 Asphalt Shingles Roof 1,660 2 $500 Deductible 220 2 Fiber-Cement Siding No
2012 190,000 Wood Shake Roof 2,400 5 $1000-$2500 Deductible 270 3 Stucco siding No
1967 165,000 Slate Shingles Roof 1,610 3 $5000 to $10,000 Deductible 420 8 Stone Siding yes
2003 175,000 Membrane Roof 2,000 3 $500- $1000 Deductible 180 2 Fiber-Cement Siding yes
1944 380,000 Asphalt Shingles Roof 3,900 5 $500 Deductible 1090 5 Vinyl siding yes
1964 240,000 Metal Roof 2,070 4 > $10,000 Deductible 960 10 Stucco siding yes

How To Make Your Cedar Falls, IA Home Insurnace Cheaper