Waterloo Insurance Rates:

Waterloo, IA homeowners insurance is approximately $557 to $755, about $46-$62/month. Our thorough guide indicates shoppers can save upto $262 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Progressive
During repair of your home, they will pay for hotel rooms and even provide you with food money to eat.
Metlife
When we filed that one claim, it took them a very long time until somebody came out to inspect the damage that we had from a major storm and then they would not want to pay the total of the bill either!
Farm Bureau
Georgia farm bureau mutual insurance company is conveniently located to us. all of their workers seem to be from the south. southern charm and personalities make dealing with insurance more pleasant.
State Farm
I thought that switching companies would be a hassle. However, the people at State Farm made it extremely easy and hassle-free.
Geico
We've been very pleased with the service. We haven't had any claims experience, so I can't speak to that process. However, I would assume that process would be similar to that of the other customer service experiences we've had - great!

Waterloo, IA Homeowners Insurance By Home Value

Waterloo, IA Home Value Total Homes % of Total Average Waterloo, IA Homeowners Insurance
Less than $50,000 2,153 11.0% $157
$50,000 to $59,999 852 4.0% $334
$60,000 to $69,999 1,041 5.0% $413
$70,000 to $79,999 1,233 6.0% $478
$80,000 to $89,999 1,847 10.0% $544
$90,000 to $99,999 1,928 10.0% $603
$100,000 to $124,999 3,127 16.0% $701
$125,000 to $149,999 2,162 11.0% $879
$150,000 to $174,999 1,727 9.0% $1036
$175,000 to $199,999 771 4.0% $1200
$200,000 to $249,999 920 4.0% $1443
$250,000 to $299,999 305 1.0% $1764
$300,000 to $399,999 345 1.0% $2236

Top Home Insurance Agents Near Waterloo, IA

Home Insurance Company Near Waterloo, IA Homeowners Insurance Agency Near Waterloo, IA Address
NA Bodensteiner Insurance Llc 3232 N Main Marble Rock, Marble Rock, IA, 50653
NA Holmes Murphy & Assoc 4000 River Ridge Dr Ne Cedar Rapids, Cedar Rapids, IA, 52401
State Farm Brad Mccunniff 1708 State St, Cedar Falls, IA, 50613-4149
State Farm Cy Bowers 10 N Locust Ave, New Hampton, IA, 50659-1338
State Farm Tim Walker 2005 Washington Ave, Iowa Falls, IA, 50126-1648

Cost Of Homeowners Insurance By Street Near Waterloo, IA

Streets in Waterloo Area Homeowners Insurance Cost
15th Ave, City View St, Watters Rd, W Big Rock Rd, Lillian Ln, Suburban Dr, Aladdin St, Eldora Rd, Cutler St, Hewitt St$683
Kirkwood Ave, Violet Dr, Livingston Ln, Lincoln Rd, Laporte Rd, Peek St, Airline Cir, N Jefferson St, Edison St, Olympic N$674
Mockingbird Ln, Kothe St, Wellington Ct, Eureka St, Vermont St, Touchae St, N Washington St, Wcf&n Dr, Plymouth Ave, Martin Luther King Dr$646
Holstein Pl, Osage Ave, Cordell St, Teton Dr, Burbank Ave, 13th Ave, Indiana St, Vintage Ln, Rocky Rd, Mount Carmel Dr$688
Candlestick Ln, National Dr, Lakeside St, Mount Village Dr, Sierra Dr, Twin Pines, Robin Ln, Brooks St, Hanna Blvd, Joder Ave$644
Joan Dr, William Dr, Sheridan Rd, Matthew Dr, Citrus Dr, Faber Rd, Maple St, Leo P Rooff Expy, Hunter Ridge Dr, W Ridge Dr$665
Jodi Dr, Ragley Dr, Castlewood Ln, Angeles Dr, Zamora Dr, Rickard Rd, Sergeant Rd, Summerland Dr, Patton Ave, Friendship Ln$685
Rosebay Ln, Airport Blvd, Porter Dr, McKay Ave, W 10th St, E San Marnan Dr, Ness Ct, Newton St, Wren Rd, Anita St$649
Alta Vista Ave, Johnson St, Kennedy Ln, Oakland Ave, Ford Rd, Elaine Dr, N 4th St, Avon Ave, Brookeridge Dr, W Mullan Ave$680
Riding Time St, W Conger St, Roca Ln, S Elk Run Rd, Hess Rd, Winona St, W Central St, E Shaulis Rd, King Dr, Julian Ave$647

Waterloo, IA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Waterloo$98 to $100
Black Hawk County$100
Evansdale$99
Cedar Falls$102

Waterloo, 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
Black Hawk County, Iowa $100 $133 $200
Evansdale city, Iowa $99 $132 $198
East Waterloo township, Black Hawk County, Iowa $100 $133 $200

Waterloo, 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
Waterloo, IA5.6%14.2%
Black Hawk County5.12%14.25%
Evansdale5.58%18.36%
East Waterloo5.72%15.44%

Waterloo Renters Insurance as a Percentage of Rent

Waterloo Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 212 2.0% $341
$200 to $299 446 4.0% $791
$300 to $499 1,275 13.0% $1241
$500 to $749 4,536 46.0% $1916
$750 to $999 2,249 23.0% $2666
$1,000 to $1,499 542 5.0% $3791
$1,500 or more 421 4.0% $5441

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

Coverage ($) Premium ($) Company
11225000Allstate Property and Casualty Insurance Company
29925000American Family Mutual Insurance company
700100000Shelter Mutual Insurance Company
1250250000United Services Automobile Association (USAA)
1126250000Country Mutual Insurance Company
451150000IMT Insurance Company
9225000STATE FARM FIRE & CASUALTY COMPANYMPANYmpany
59070000Shelter Mutual Insurance Company
830250000Travelers Home and Marine Insurance Company
850250000Westfield National Insurance

Waterloo, IA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$500$1,500
Yearly Waterloo Homeowner Insurance Premium Example $800$600
Out of Pocket Expense During Claim$500$1,500
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $6,900$6,300
Net Savings to Waterloo Home Owner from High Deductible Plan $600

Waterloo, IA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Waterloo, IA Home Replacement Value MORE than Home Value Waterloo, IA Home Replacement Value LESS than Home Value
Replacement Value $167,500 $114,500
Insurance Premium based on Replacement Value $1,375 $950
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $18,500 Risk Exposure from Under Insuring Coverage is $34,500
Premium Impact Insurance cheaper by $275/year Insurance costlier by $150/year

Example Waterloo Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceAmica Mutual Insurance CompanyState Farm
Monthly Premium 4811185
Year Built 195419631941
Home Details 3 Beds, 1 Baths5 Beds, 1 Baths2 Beds, 1 Baths
Coverage Amount $100000-$125000$300000-$350000$125000-$150000
Deductible $1000-$2500 Deductible> $10,000 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1957 80,000 Shingles Roof 1,350 2 $2500-$5000 Deductible 300 10 Brick siding No
1969 180,000 Composition Roof 3,010 4 $1000-$2500 Deductible 910 10 Stucco siding No
1940 105,000 Wood Shake Roof 1,840 3 $500 Deductible 630 9 Vinyl siding No
1989 140,000 Membrane Roof 2,380 3 $1000-$2500 Deductible 330 4 Stone Siding No
1960 140,000 Metal Roof 1,700 4 $500- $1000 Deductible 250 3 Brick siding yes
1971 170,000 Wood Shake Roof 2,320 3 $500 Deductible 1160 9 Stucco siding No
1983 210,000 Asphalt Shingles Roof 2,670 5 $5000 to $10,000 Deductible 410 7 Fiber-Cement Siding No
1972 245,000 Tile Roof 2,930 4 $1000-$2500 Deductible 560 5 Stone Siding yes
1940 340,000 Shingles Roof 4,400 5 $500 Deductible 2160 10 Vinyl siding No
1941 215,000 Asphalt Shingles Roof 2,830 5 $500 Deductible 470 6 Brick siding yes
1970 105,000 Shingles Roof 1,800 3 $2500-$5000 Deductible 340 8 Wood siding yes
1971 240,000 Metal Roof 3,280 4 $500- $1000 Deductible 1140 8 Stone Siding yes
1986 140,000 Wood Shake Roof 2,280 5 $1000-$2500 Deductible 500 7 Vinyl siding No
1984 125,000 Composition Roof 1,560 2 $1000-$2500 Deductible 280 5 Brick siding yes
1971 115,000 Membrane Roof 1,600 2 $500- $1000 Deductible 360 9 Wood siding yes
1966 245,000 Tile Roof 3,020 4 $5000 to $10,000 Deductible 1150 12 Fiber-Cement Siding yes