Lafayette, IA homeowners insurance is roughly $563 to $776, about $46-$64/month. Our all inclusive research shows customers can save upto $268 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Are you looking for home insurance in Lafayette, Iowa? You've come to the right place. The average cost of homeowner's insurance in Lafayette, Iowa, is $1783, according to the VHome study. Home insurance rates in Lafayette, Iowa, can change depending on several variables, including the kind of coverage, deductible, age of the home, history of claims, neighborhood, and the type of material used to construct your house. Therefore, it is crucial to understand their house insurance needs before moving forward.
Home insurance cost based on the coverage level in Lafayette, IA
The cost of home insurance in Lafayette, IA, will vary depending on your chosen coverage level. The insurer will pay for any losses if unlucky events cause damage to your home. It also covers losses caused by natural disasters like earthquakes and floods. Homeowners in Lafayette, Iowa, can get home insurance for $2257 for a $200K policy. Most homeowners opt for coverage between $300K and $500K, which costs $4325 and $6940, respectively.
Home insurance cost based on the deductibles in Lafayette, IA
The cost of home insurance in Lafayette, IA, will vary depending on the chosen deductibles. Some insurance companies offer different deductible options, so it is essential to compare rates before choosing a policy. Generally, the higher the deductible, the lower the premium. However, it is crucial to choose an affordable deductible if a claim needs to be made.
Homeowners in Lafayette, Iowa, pay premiums of $1500.22 and $1361.86 for deductibles of 1500 and 2000, accordingly. However, homeowners who pay a $500 or $1000 deductible pay $1761.6 and $1593.65, respectively. As a result, the lower the premium, the higher the deductible.
Home insurance cost based on the materials used in Lafayette, IA
The house insurance cost in Lafayette, IA, would be based on the materials used. Some insurance companies may avail certain discounts if the home is made of certain fire-resistant materials. The insurance cost will be higher if the house is made of more flammable materials. The cost of homeowners insurance in Lafayette, Iowa, is $1693.85 and $1569.04, respectively, for those whose homes were built with masonry and fire-resistant brick.
|Lafayette, IA Home Value||Total Homes||% of Total||Average Lafayette, IA Homeowners Insurance|
|Less than $50,000||39||3.0%||$127|
|$60,000 to $69,999||40||3.0%||$335|
|$70,000 to $79,999||52||5.0%||$388|
|$80,000 to $89,999||72||7.0%||$435|
|$90,000 to $99,999||102||10.0%||$489|
|$100,000 to $124,999||190||18.0%||$569|
|$125,000 to $149,999||138||13.0%||$710|
|$150,000 to $174,999||155||15.0%||$837|
|$175,000 to $199,999||56||5.0%||$971|
|$200,000 to $249,999||55||5.0%||$1165|
|$250,000 to $299,999||69||6.0%||$1427|
|$300,000 to $399,999||45||4.0%||$1809|
|Home Insurance Company Near Lafayette, IA||Homeowners Insurance Agency Near Lafayette, IA||Address|
|NA||Tsks Llc Dba Stephany Insurance||703 S Oak St Iowa Falls, Iowa Falls, IA, 50126|
|NA||Aon Risk Services Central Inc Nebras||2700 Westown Pkwy #320 W Des Moines, West Des Moines, IA, 50266|
|NA||Sagacim, Inc. Dba Triplett Companies||323 5Th Street, Ames, IA, 50010|
|Travelers||The Dana Company||12345 UNIVERSITY AVE STE 300, DES MOINES, IA, 50325|
|Travelers||Wells Fargo Ins Services Usa Inc||666 WALNUT 9TH FL FINANCIAL CENTER, DES MOINES, IA, 50309|
|Streets in Lafayette Area||Homeowners Insurance Cost|
|Hillcrest Dr, E Riverside Rd, Summit Dr, Cullen Dr, Dunn St, S Main St, Kent Ave, Dave Cir, Brookdale Ave, Ryan Cir||$717|
|Dalton St, Market Ave, N 500th Ave, 569th Ave, Twenty Oaks Dr, Bristol Dr, Taylor Cir, Northridge Cir, State Street Pl, Hillcrest Ave||$725|
|East St, 500th Ave, Dawes Dr, W Broad St, SE 16th St, Oakview Heights Dr, Copperstone Dr, Bridgeport Dr, Boston Ave, Johnson Cir||$723|
|Park View Dr, 580th Ave, Oak View Cir, Browning St, George W Carver Ave, 250th St, 210th St, 150th St, Dana St, Athlone Ct||$726|
|Torrey Pines Cir, York Dr, Roosevelt St, Adams St, Dayton Ave, Balsam Cir, Maplewood Rd, 209th Ln, SE 5th St, Crestmoor Ave||$727|
|Place||Savings For Senior Occupied Homes|
|Lafayette||$99 to $101|
|Place||1 Car Bundle Savings On Insurance||2 Car Bundle Savings On Insurance||3 Car Bundle Savings On Insurance|
|Story City city, Iowa||$101||$134||$201|
|Gilbert city, Iowa||$103||$137||$206|
|Howard township, Story County, Iowa||$103||$137||$206|
|Place||Home insurance as a % of housing cost for homes with mortgage||Home insurance as a % of housing cost for homes without mortgage|
|Lafayette Home By Monthly Rent||Total Homes||% of Total||Estimated Monthly Income To Afford Rented House Including Renters Insurance|
|$200 to $299||62||14.0%||$784|
|$300 to $499||109||25.0%||$1234|
|$500 to $749||183||42.0%||$1909|
|$750 to $999||62||14.0%||$2659|
|$1,500 or more||13||3.0%||$5434|