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In Depth Analysis of Troy, IA Home Insurance Rates to get you a leg up in your negotiations after you get quotes.

Replacement Value of your home in Troy, IA is the biggest driver of your coverage & home insurance.

Here is a list of replacement costs & home insurance for Troy, IA & nearby areas

Place Typical Home Size Replacement Cost Monthly Home Insurance Cost
Troy 3 Beds, 1 Bath, 2130 sqft $184,000 $113
Gibson 4 Beds, 2 Baths, 2,150 sqft $128,000 $56
Woodburn 4 Beds, 3 Baths, 3,110 sqft $138,000 $72
Columbia 2 Beds, 1 Bath, 990 sqft $76,000 $42
Plano 4 Beds, 3 Baths, 2,750 sqft $194,000 $76
Exline 4 Beds, 1 Bath, 2,940 sqft $195,000 $138
Hedrick 3 Beds, 1 Bath, 2,310 sqft $116,000 $101
Glenwood, MO 4 Beds, 3 Baths, 3,170 sqft $197,000 $108
Swan 2 Beds, 1 Bath, 1,590 sqft $106,000 $42
University Park 2 Beds, 1 Bath, 940 sqft $72,000 $43
Eddyville 3 Beds, 1 Bath, 1,510 sqft $105,000 $61
Mystic 2 Beds, 1 Bath, 1,780 sqft $143,000 $60
Hayesville 2 Beds, 1 Bath, 1,280 sqft $66,000 $47
Steady Run 4 Beds, 2 Baths, 2,210 sqft $120,000 $75
Lick Creek 3 Beds, 1 Bath, 2,160 sqft $108,000 $58
Powersville, MO 3 Beds, 1 Bath, 2,070 sqft $124,000 $60
Moravia 3 Beds, 2 Baths, 1,760 sqft $81,000 $59
Humeston 3 Beds, 1 Bath, 1,260 sqft $69,000 $25
High Point 3 Beds, 1 Bath, 1,620 sqft $118,000 $38
Guilford 3 Beds, 2 Baths, 1,660 sqft $104,000 $31
Lynnville 3 Beds, 1 Bath, 1,490 sqft $89,000 $68

If your Troy, IA home has prior claims, your insurance is likelier to be higher

Here are some typical claims filed in Troy:

Claim Typical Claim Amount
FIRE $54,000
WIND $3,500
WATER DAMAGE $6,000

Your Troy, IA insurance agent (see examples below) can help with your claims.

  • Travelers: G & P Insurance Inc, 1520 s clinton, Albia, IA, 52531 641-932-3171
  • State Farm: Jim Carnahan, 522 richmond ave, Ottumwa, IA, 52501-4121 641-682-3447

Your Background Impacts Your Home Insurance Quotes

Here is a list of Troy, IA homeowners with differing backgrounds & their changing home insurance.

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Retired 800-850 Credit Score <$25,000 3 Pets, Non-Smoker $510
Freelancer 500-549 Credit Score $75 to $100,000 No Pets, Smoker $710
Unemployed 750-799 Credit Score No Income 1 Pet, Non-Smoker $700