Council Bluffs Insurance Rates:

Council Bluffs, IA homeowners insurance is about $561 to $760, about $46-$63/month. Our detailed research shows customers can save upto $264 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Progressive
The customer service was really good. every time i did talk to them, the representatives were very nice and very helpful and i like that.
Allstate
They were late in processing a payment made by our mortgage company and tried to say we were late. they did manage to resolve the issue, though.
Farmers
I love being able to view my policy and all that it covers online and it is easy to access to whenever i want to view it.

Council Bluffs, IA Homeowners Insurance By Home Value

Council Bluffs, IA Home Value Total Homes % of Total Average Council Bluffs, IA Homeowners Insurance
Less than $50,000 1,365 8.0% $145
$50,000 to $59,999 397 2.0% $310
$60,000 to $69,999 855 5.0% $383
$70,000 to $79,999 965 6.0% $442
$80,000 to $89,999 1,354 8.0% $502
$90,000 to $99,999 1,574 10.0% $561
$100,000 to $124,999 3,025 19.0% $647
$125,000 to $149,999 2,281 14.0% $813
$150,000 to $174,999 1,378 8.0% $958
$175,000 to $199,999 633 4.0% $1110
$200,000 to $249,999 778 4.0% $1335
$250,000 to $299,999 544 3.0% $1632
$300,000 to $399,999 457 2.0% $2075

Top Home Insurance Agents Near Council Bluffs, IA

Home Insurance Company Near Council Bluffs, IA Homeowners Insurance Agency Near Council Bluffs, IA Address
State Farm Edgar Deleon 9739 Giles Rd, La Vista, NE, 68128-2930
Farmers Ganon Van Dyke 2707 S 134th Ave Ste 2, Omaha, NE, 68144
State Farm Gaylord Mussman 1455 N Bell, Fremont, NE, 68025-3500
State Farm Michelle Mathison 2155 E 23rd Street, Fremont, NE, 68025-2457
Allstate Stephen Eubanks 20330 Veterans Dr, Elkhorn, NE, 68022

Cost Of Homeowners Insurance By Street Near Council Bluffs, IA

Streets in Council Bluffs Area Homeowners Insurance Cost
Ridgewood Dr, N 7th St, Sunshine Ln, Prospect St, Tara Hills Cir, Honey Locust St, Wallace Ave, Creek Frontage St, Scarlet Oaks Rd, Perry Rd$674
Ballard Cir, N Broadway, Carson Ave, Chapel Ridge Ln, S Hill Cir, Briarwood Dr, Baughn St, Iris Ln, Ivy Dr, Kings Way$672
Three Bridge Rd, 205th St, School Hill Ave, 27th Ave, N 1st St, Ave P, Birdsley Rd, Cherokee Ln, Homestead Ave, Pine Terrace Dr$697
Ethel Ln, N 6th St, N 10th St, S 18th St, Rawlins Dr, Catalpa St, S 10th St, Joslin Ave, Ave I, Levee Ave$695
Lake St, Gleason Ave, Hill St, 24th Ave, Cook Ave, Graham Ave E, Pryor Ave, Crogans Way Rd, 230th St, N 32nd St$698
Worth St, Oak Ridge View Cir, Ash St, Forest Glen, S 35th St, Bonnie Ln, Horizon Dr, Ramelle Dr, Creek Top, Wildwood Rd$723
Dogwood Rd, W Washington Ave, N 32nd St, Hawk Ln, Pinehurst Dr, W Kanesville Blvd, Lew Ross Rd, 220th St, Walnut Ridge, Denmark Dr$621
W Orchard, Country Club Acres St, Fleming Ave, Twelve Oaks Dr, S 20th St, State Orchard Rd, Meadowbrook Ln, Beal St, Knollwood Dr, E Pierce St$710
Elmwood Dr, S Main St, Hilltop Rd, W Pierce St, River Rd, South Ave, Water Dept Access Rd, Mynster St, Lawton Ter, Co Rd 988$697
35th Ave W, 30th Ave, Judd St, US Hwy 375, Graham Ave W, Plaza View Dr, Nicholas St, Adrian Ave, New Berry Cir, Locust Lodge Ave$702

Council Bluffs, IA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Council Bluffs$98 to $101
Kane$98
Lewis$103
Carter Lake$97

Council Bluffs, 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
Kane township, Pottawattamie County, Iowa $98 $131 $197
Lewis township, Pottawattamie County, Iowa $103 $137 $206
Carter Lake city, Iowa $98 $130 $195

Council Bluffs, 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
Council Bluffs, IA4.8%13.7%
Kane4.91%13.94%
Lewis4.23%13.11%
Carter Lake5.03%12.4%

Council Bluffs Renters Insurance as a Percentage of Rent

Council Bluffs Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 230 2.0% $339
$200 to $299 381 4.0% $789
$300 to $499 988 11.0% $1239
$500 to $749 3,273 37.0% $1914
$750 to $999 2,848 32.0% $2664
$1,000 to $1,499 896 10.0% $3789
$1,500 or more 166 1.0% $5439

Average Cost Of Home Insurance By Company In Areas Nearby Council Bluffs For Different Scenarios

Coverage ($) Premium ($) Company
945100000State Farm Fire & Casualty Company
11025000Allied Property and Casualty Insurance Company
62570000American Family Mutual Insurance company
11725000Country Mutual Insurance Company
979250000Country Mutual Insurance Company
26870000IMT Insurance Company
10725000Travelers Commercial Insurance Company
51070000Travelers Home and Marine Insurance Company

Council Bluffs, IA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$1,600
Yearly Council Bluffs Homeowner Insurance Premium Example $500$300
Out of Pocket Expense During Claim$600$1,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $4,600$4,000
Net Savings to Council Bluffs Home Owner from High Deductible Plan $600

Council Bluffs, IA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Council Bluffs, IA Home Replacement Value MORE than Home Value Council Bluffs, IA Home Replacement Value LESS than Home Value
Replacement Value $118,500 $77,000
Insurance Premium based on Replacement Value $925 $600
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $27,000 Risk Exposure from Under Insuring Coverage is $14,500
Premium Impact Insurance cheaper by $100/year Insurance costlier by $225/year

Example Council Bluffs Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualAllstateFarmers Insurance
Monthly Premium 8714987
Year Built 200019481987
Home Details 3 Beds, 1 Baths5 Beds, 3 Baths4 Beds, 3 Baths
Coverage Amount $125000-$150000$300000-$350000$200000-$250000
Deductible $500- $1000 Deductible$1000-$2500 Deductible$5000 to $10,000 Deductible

Sample Home Insurance Rates for Council Bluffs, IA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2013 250,000 Slate Shingles Roof 4,160 5 $500- $1000 Deductible 250 2 Wood siding yes
2007 330,000 Asphalt Shingles Roof 4,640 5 > $10,000 Deductible 350 3 Wood siding No
1977 80,000 Slate Shingles Roof 1,210 2 $500- $1000 Deductible 530 12 Stone Siding No
1940 115,000 Tile Roof 1,500 2 $2500-$5000 Deductible 540 12 Fiber-Cement Siding yes
1972 185,000 Composition Roof 3,110 4 $500- $1000 Deductible 320 3 Wood siding yes
2004 100,000 Membrane Roof 1,620 3 $1000-$2500 Deductible 330 9 Vinyl siding No
1943 60,000 Shingles Roof 970 2 $500 Deductible 30 1 Vinyl siding No
1970 315,000 Composition Roof 4,170 5 $2500-$5000 Deductible 440 4 Stucco siding yes
1986 290,000 Wood Shake Roof 3,240 4 > $10,000 Deductible 470 5 Stone Siding No
1962 215,000 Membrane Roof 2,910 5 $500- $1000 Deductible 940 9 Vinyl siding No
2005 140,000 Shingles Roof 1,740 2 $2500-$5000 Deductible 310 6 Stucco siding yes
1962 175,000 Shingles Roof 2,700 4 $500 Deductible 780 8 Stone Siding No
1974 130,000 Slate Shingles Roof 1,510 3 $1000-$2500 Deductible 410 6 Wood siding No