Independence Insurance Rates:

Independence, IA homeowners insurance is nearly $561 to $765, about $46-$63/month. Our extensive research indicates shoppers can save upto $265 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Independence, IA Homeowners Insurance By Home Value

Independence, IA Home Value Total Homes % of Total Average Independence, IA Homeowners Insurance
Less than $50,000 227 13.0% $139
$50,000 to $59,999 67 3.0% $298
$60,000 to $69,999 38 2.0% $371
$70,000 to $79,999 30 1.0% $430
$80,000 to $89,999 220 12.0% $483
$90,000 to $99,999 128 7.0% $543
$100,000 to $124,999 289 16.0% $629
$125,000 to $149,999 237 13.0% $788
$150,000 to $174,999 219 12.0% $934
$175,000 to $199,999 69 3.0% $1074
$200,000 to $249,999 101 5.0% $1292
$250,000 to $299,999 53 3.0% $1584
$300,000 to $399,999 55 3.0% $2008

Top Home Insurance Agents Near Independence, IA

Home Insurance Company Near Independence, IA Homeowners Insurance Agency Near Independence, IA Address
NA Bahls Insurance Agency 131 S Main, Elkader, IA, 52043
NA Holmes Murphy & Assoc 4000 River Ridge Dr Ne Cedar Rapids, Cedar Rapids, IA, 52401
NA Truenorth Companies, L.C. 500 1St Street Se Cedar Rapids, Cedar Rapids, IA, 52403
NA Denver Insurance Agency 201 S State St, Denver, IA, 50622
State Farm Joe Morris 413 2nd St, Traer, IA, 50675-1136

Cost Of Homeowners Insurance By Street Near Independence, IA

Streets in Independence Area Homeowners Insurance Cost
Henley Ave, 235th St, State Hwy 283, Sunset Blvd, Parkway Blvd, 5th Ave SE, 20th Ave SW, 232nd St, Miller St, Madison St S$668
115th St, N Water St, 240th St, 130th St, Baxter Ave, Michel Ave, Woodland Dr, First St NE, Iowa Ave, Halpin Ave S$662
7th Ave SE, 322nd St, Quasqueton Ave, Park Ave, Wapsi Access Blvd, 4th Ave SE, Pine Creek Ave, Main St S, 120th St, David Dr$667
Brandon Diagonal Blvd, 5th Ave SW, Juniper Dr, 7th St SW, Mitchell St, 285th St, 252nd St, 1st St SE, 15th Ave NE, 210th St$672
180th St, 3rd St S, S Black Hawk Buchanan Ave, Mill St, 3rd St S, Castle Ave, County Line Rd E, 300th St, 7th St SE, 230th St$664

Independence, IA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Independence$98 to $100
Sumner$100
Buchanan County$99
Westburg$103

Independence, 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
Sumner township, Buchanan County, Iowa $101 $134 $201
Buchanan County, Iowa $99 $132 $198
Westburg township, Buchanan County, Iowa $103 $137 $206

Independence, 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
Independence, IA5.1%11.6%
Sumner4.79%11.02%
Buchanan County5.19%13.4%
Westburg5.23%17.17%

Independence Renters Insurance as a Percentage of Rent

Independence Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 16 2.0% $338
$200 to $299 21 3.0% $788
$300 to $499 168 26.0% $1238
$500 to $749 178 28.0% $1913
$750 to $999 174 27.0% $2663
$1,000 to $1,499 40 6.0% $3788
$1,500 or more 32 5.0% $5438

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

Coverage ($) Premium ($) Company
7725000Casualty Insurance Company (CIC)
42070000Farmers Insurance Exchange
543100000IMT Insurance Company
63170000Nationwide Affinity Insurance Company of America
717150000Nationwide Affinity Insurance Company of America
803150000Shelter Mutual Insurance Company
477100000Travelers Home and Marine Insurance Company
15325000Westfield National Insurance
1030250000Farmers Insurance Exchange
11625000IMT Insurance Company

Independence, IA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,900$3,900
Yearly Independence Homeowner Insurance Premium Example $2,100$1,600
Out of Pocket Expense During Claim$1,900$3,900
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $14,500$13,500
Net Savings to Independence Home Owner from High Deductible Plan $1,000

Independence, IA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Independence, IA Home Replacement Value MORE than Home Value Independence, IA Home Replacement Value LESS than Home Value
Replacement Value $156,000 $110,000
Insurance Premium based on Replacement Value $1,150 $825
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $25,500 Risk Exposure from Under Insuring Coverage is $20,500
Premium Impact Insurance cheaper by $150/year Insurance costlier by $175/year

Example Independence Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmAmerican Family InsuranceChubb Group of Insurance
Monthly Premium 5464220
Year Built 196219411976
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 1 Baths
Coverage Amount $100000-$125000$100000-$125000$350000-$400000
Deductible $500- $1000 Deductible$500 Deductible$1000-$2500 Deductible

Sample Home Insurance Rates for Independence, 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 340,000 Composition Roof 3,790 5 $5000 to $10,000 Deductible 360 3 Vinyl siding yes
1949 220,000 Slate Shingles Roof 3,220 4 $2500-$5000 Deductible 110 1 Brick siding yes
1983 275,000 Tile Roof 3,350 4 $500- $1000 Deductible 2210 12 Stone Siding No
1946 170,000 Shingles Roof 1,880 5 $5000 to $10,000 Deductible 160 2 Brick siding No
1966 110,000 Tile Roof 1,680 3 $2500-$5000 Deductible 490 12 Stone Siding yes
1945 275,000 Metal Roof 3,310 4 $5000 to $10,000 Deductible 680 7 Stone Siding No
1988 140,000 Shingles Roof 1,890 4 $500- $1000 Deductible 640 8 Fiber-Cement Siding No
1975 110,000 Slate Shingles Roof 1,510 5 $1000-$2500 Deductible 370 8 Brick siding yes
1945 320,000 Wood Shake Roof 3,850 5 $1000-$2500 Deductible 260 2 Vinyl siding No
1981 185,000 Asphalt Shingles Roof 2,130 4 $5000 to $10,000 Deductible 830 12 Vinyl siding No
1980 115,000 Wood Shake Roof 1,490 3 $2500-$5000 Deductible 150 3 Stucco siding No
1986 105,000 Asphalt Shingles Roof 1,490 3 $2500-$5000 Deductible 310 6 Fiber-Cement Siding No
1968 145,000 Asphalt Shingles Roof 2,300 4 $500- $1000 Deductible 530 7 Brick siding yes
1975 165,000 Asphalt Shingles Roof 2,200 4 $500 Deductible 850 8 Stucco siding yes
1946 100,000 Wood Shake Roof 1,230 3 $500 Deductible 50 1 Wood siding yes
2003 145,000 Shingles Roof 2,130 5 $1000-$2500 Deductible 600 8 Brick siding yes
2007 165,000 Asphalt Shingles Roof 2,370 4 $500- $1000 Deductible 700 10 Vinyl siding No
1943 210,000 Tile Roof 2,780 4 $2500-$5000 Deductible 330 5 Fiber-Cement Siding No
1943 300,000 Metal Roof 3,680 5 $500 Deductible 260 2 Vinyl siding No
1975 235,000 Wood Shake Roof 3,060 4 > $10,000 Deductible 440 6 Stone Siding No
1988 140,000 Membrane Roof 1,830 5 $2500-$5000 Deductible 620 9 Wood siding yes
1970 330,000 Slate Shingles Roof 4,070 5 > $10,000 Deductible 130 2 Fiber-Cement Siding No
1941 140,000 Membrane Roof 1,550 3 $500- $1000 Deductible 840 10 Fiber-Cement Siding No
1945 215,000 Composition Roof 3,150 4 > $10,000 Deductible 170 3 Fiber-Cement Siding No
1975 150,000 Metal Roof 1,670 3 $500 Deductible 570 5 Fiber-Cement Siding No
1968 150,000 Slate Shingles Roof 2,320 4 $2500-$5000 Deductible 550 7 Stucco siding yes
1960 150,000 Tile Roof 2,340 3 $1000-$2500 Deductible 830 12 Wood siding yes
1970 175,000 Shingles Roof 2,820 5 $500- $1000 Deductible 410 4 Stucco siding No
2008 190,000 Shingles Roof 2,490 4 $500- $1000 Deductible 740 7 Vinyl siding No
1969 220,000 Tile Roof 3,460 5 $500- $1000 Deductible 740 7 Vinyl siding No