Charles City Insurance Rates:

Charles City, IA homeowners insurance is approximately $546 to $741, about $45-$61/month. Our detailed research indicates shoppers can save upto $257 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Charles City, IA Homeowners Insurance By Home Value

Charles City, IA Home Value Total Homes % of Total Average Charles City, IA Homeowners Insurance
Less than $50,000 253 10.0% $199
$50,000 to $59,999 263 11.0% $431
$60,000 to $69,999 312 13.0% $534
$70,000 to $79,999 411 17.0% $611
$80,000 to $89,999 196 8.0% $695
$90,000 to $99,999 135 5.0% $779
$100,000 to $124,999 282 12.0% $901
$125,000 to $149,999 174 7.0% $1127
$150,000 to $174,999 140 6.0% $1333
$175,000 to $199,999 67 2.0% $1539
$200,000 to $249,999 35 1.0% $1854
$250,000 to $299,999 49 2.0% $2266

Top Home Insurance Agents Near Charles City, IA

Home Insurance Company Near Charles City, IA Homeowners Insurance Agency Near Charles City, IA Address
NA Rockford Insurance Agency & Realty, Inc. 18 2Nd Street Sw, Rockford, IA, 50468
NA American Heartland Insurance Agency 410 Grove Street, Lawler, IA, 52154
NA Snider Haakenson 711 Main St, Osage, IA, 50461
State Farm Matt Haak 2741 University Ave, Waterloo, IA, 50701-3333
Travelers Morris & Associates Inc 3418 LAFAYETTE RD, EVANSDALE, IA, 50707

Cost Of Homeowners Insurance By Street Near Charles City, IA

Streets in Charles City Area Homeowners Insurance Cost
Howard St, Old Highway Rd, N Main St, 9th St, Fisher St, Waller St, 170th St, Miner Ave, Willow Ct, 250th St$660
Owen St, Wildwood Rd, Charles St, Monroe St, Maple Ave, S Grand Ave, Chestnut Pl, Lakeshore Dr, I St, Jung Ave$641
Richings St, Redwood Ave, Union Ave, Chittenden St, 20th Ave, Terrace Rd, Park Lane Dr, 215th St, Jefferson St, Lions Dr$659
Clinton St, Co Hwy B57, 165th St, Vista Ave, Rustic Ave, Co Hwy T74, 177th St, March Ave, Salzer St, Hildreth St$655
N Grand Ave, Clark St, Co Hwy B23, J St, Quail Ave, Yorkshire Blvd, Gil Ave, Greenfield, Mitchell Line Rd, 140th St$654

Charles City, IA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Charles City$96 to $98
St. Charles$102
Niles$97
Roseville$90

Charles City, 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
St. Charles township, Floyd County, Iowa $102 $136 $204
Niles township, Floyd County, Iowa $97 $129 $194
Floyd County, Iowa $97 $129 $194

Charles City, 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
Charles City, IA6.5%16.2%
St. Charles5.7%12.63%
Niles5.41%20.35%
Floyd County5.87%15.32%

Charles City Renters Insurance as a Percentage of Rent

Charles City Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 96 9.0% $348
$200 to $299 124 12.0% $798
$300 to $499 375 36.0% $1248
$500 to $749 323 31.0% $1923
$750 to $999 89 8.0% $2673
$1,000 to $1,499 21 2.0% $3798

Charles City, IA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$700$3,700
Yearly Charles City Homeowner Insurance Premium Example $1,500$1,000
Out of Pocket Expense During Claim$700$3,700
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $11,200$10,700
Net Savings to Charles City Home Owner from High Deductible Plan $500

Charles City, IA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Charles City, IA Home Replacement Value MORE than Home Value Charles City, IA Home Replacement Value LESS than Home Value
Replacement Value $93,000 $70,000
Insurance Premium based on Replacement Value $750 $575
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $12,500 Risk Exposure from Under Insuring Coverage is $10,500
Premium Impact Insurance cheaper by $75/year Insurance costlier by $100/year

Example Charles City Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateFarmers InsuranceTravelers
Monthly Premium 415965
Year Built 195519411963
Home Details 3 Beds, 2 Baths2 Beds, 1 Baths5 Beds, 4 Baths
Coverage Amount $100000-$125000$75000-$100000$175000-$200000
Deductible $2500-$5000 Deductible$500 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1970 120,000 Asphalt Shingles Roof 1,850 3 $2500-$5000 Deductible 420 9 Stucco siding No
1948 195,000 Asphalt Shingles Roof 3,290 4 $500 Deductible 910 9 Stucco siding No
1973 135,000 Shingles Roof 2,480 4 $500- $1000 Deductible 1010 12 Wood siding No
1945 215,000 Metal Roof 3,900 5 $1000-$2500 Deductible 240 3 Brick siding No
1968 75,000 Composition Roof 1,270 2 $2500-$5000 Deductible 260 8 Fiber-Cement Siding yes
1964 185,000 Tile Roof 3,510 5 $5000 to $10,000 Deductible 730 9 Stone Siding yes
1957 95,000 Membrane Roof 1,360 2 $2500-$5000 Deductible 130 3 Stucco siding No
1955 95,000 Tile Roof 1,800 5 $2500-$5000 Deductible 130 4 Stone Siding yes
1970 160,000 Metal Roof 2,230 3 $500- $1000 Deductible 1090 10 Brick siding yes
1982 255,000 Asphalt Shingles Roof 4,660 5 > $10,000 Deductible 710 7 Brick siding No
1945 220,000 Composition Roof 3,810 5 $500 Deductible 1450 12 Vinyl siding yes
1975 80,000 Membrane Roof 1,540 2 $1000-$2500 Deductible 310 7 Wood siding No
1970 210,000 Shingles Roof 4,150 5 $2500-$5000 Deductible 390 5 Brick siding yes
1954 175,000 Membrane Roof 2,460 5 $500 Deductible 1200 10 Wood siding No
1947 105,000 Tile Roof 1,850 4 $500- $1000 Deductible 310 6 Stucco siding yes
1983 85,000 Wood Shake Roof 1,670 2 $1000-$2500 Deductible 300 8 Stucco siding No
1973 70,000 Asphalt Shingles Roof 1,280 3 $500- $1000 Deductible 90 3 Brick siding No
1972 145,000 Asphalt Shingles Roof 2,080 4 $1000-$2500 Deductible 770 9 Vinyl siding No
1973 215,000 Metal Roof 3,020 4 > $10,000 Deductible 400 6 Fiber-Cement Siding No
1947 175,000 Asphalt Shingles Roof 2,760 5 $500 Deductible 510 5 Vinyl siding No
1975 95,000 Asphalt Shingles Roof 1,430 3 $500 Deductible 720 12 Brick siding No
1961 105,000 Membrane Roof 1,980 4 $1000-$2500 Deductible 440 12 Brick siding No
1978 110,000 Tile Roof 1,510 2 $2500-$5000 Deductible 570 9 Stone Siding yes
1972 200,000 Slate Shingles Roof 2,860 4 > $10,000 Deductible 520 10 Wood siding No
1961 85,000 Slate Shingles Roof 1,220 2 $1000-$2500 Deductible 270 7 Brick siding yes
1979 105,000 Wood Shake Roof 1,800 2 $500- $1000 Deductible 380 7 Stone Siding yes
1962 90,000 Asphalt Shingles Roof 1,500 2 $500 Deductible 600 8 Fiber-Cement Siding yes
1944 250,000 Slate Shingles Roof 3,600 5 $2500-$5000 Deductible 90 1 Wood siding No
1981 90,000 Composition Roof 1,590 5 $500- $1000 Deductible 160 4 Brick siding No
1960 125,000 Tile Roof 2,290 5 $1000-$2500 Deductible 250 4 Wood siding No
1956 100,000 Tile Roof 1,410 2 $2500-$5000 Deductible 340 8 Brick siding yes
1941 165,000 Membrane Roof 3,290 5 $5000 to $10,000 Deductible 60 1 Stone Siding No
1957 140,000 Asphalt Shingles Roof 2,820 5 $1000-$2500 Deductible 280 5 Wood siding No
1940 140,000 Shingles Roof 2,890 5 $500- $1000 Deductible 200 3 Stone Siding yes