Lafayette Insurance Rates:

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.

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Homeowners Insurance in Lafayette, Iowa

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.

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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 Homeowners Insurance By Home Value

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

Top Home Insurance Agents Near Lafayette, IA

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

Cost Of Homeowners Insurance By Street Near Lafayette, IA

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

Lafayette, IA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Lafayette$99 to $101
Story City$100
Gilbert$102
Randall$97

Lafayette, 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
Story City city, Iowa $101 $134 $201
Gilbert city, Iowa $103 $137 $206
Howard township, Story County, Iowa $103 $137 $206

Lafayette, 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
Lafayette, IA4.6%13.8%
Story City4.76%13.29%
Gilbert3.87%12.17%
Howard4.21%12.24%

Lafayette Renters Insurance as a Percentage of Rent

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