ogmer

Otter Creek, IA Home Insurance Rates - What Drives It?

The variables explained here drive your Otter Creek, IA Home Insurance Rates & focusing on them can qualify you for a really cheap quote.

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

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

Place Typical Home Size Replacement Cost Monthly Home Insurance Cost
Otter Creek 3 Beds, 2 Baths, 1640 sqft $135,000 $79
Edgewood 4 Beds, 3 Baths, 2,290 sqft $204,000 $77
Bernard 2 Beds, 1 Bath, 1,710 sqft $209,000 $95
Shellsburg 2 Beds, 1 Bath, 1,060 sqft $113,000 $66
Riverside 3 Beds, 1 Bath, 1,250 sqft $112,000 $42
Oelwein 2 Beds, 1 Bath, 1,080 sqft $76,000 $51
Parnell 4 Beds, 1 Bath, 2,190 sqft $206,000 $92
Dunkerton 2 Beds, 1 Bath, 1,160 sqft $140,000 $69
Spring Rock 3 Beds, 1 Bath, 2,160 sqft $197,000 $81
Marengo 4 Beds, 3 Baths, 3,030 sqft $284,000 $61
Wyoming 2 Beds, 1 Bath, 1,240 sqft $140,000 $65
New Wine 4 Beds, 3 Baths, 2,110 sqft $212,000 $122
Salt Creek 4 Beds, 1 Bath, 1,700 sqft $192,000 $61
Rochester 2 Beds, 1 Bath, 1,310 sqft $134,000 $57
Iowa City 2 Beds, 1 Bath, 980 sqft $98,000 $59
Lenox 4 Beds, 1 Bath, 3,160 sqft $351,000 $106
South Amana 2 Beds, 1 Bath, 1,070 sqft $93,000 $39
Winthrop 3 Beds, 1 Bath, 2,180 sqft $196,000 $75
Millersburg 3 Beds, 1 Bath, 1,300 sqft $104,000 $44
Hopkinton 3 Beds, 1 Bath, 2,200 sqft $261,000 $105
Lime Creek 2 Beds, 1 Bath, 910 sqft $79,000 $26

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

Here are some typical claims filed in Otter Creek:

Claim Typical Claim Amount
WIND $4,000
FIRE $47,500
DOG BITE (LIABILITY) $6,500

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

  • Travelers: Millhiser Smith Agency, Inc., 3100 oakland rd ne, Cedar Rapids, IA, 52402 319-365-8611
  • State Farm: Jpaul Meyeraan, 373 collins rd ne, Cedar Rapids, IA, 52402-3167 319-393-9323
  • Allstate: Neighbor Insurance Inc, 98 e willman st, Hiawatha, IA, 52233 (319) 378-1089
  • Liberty Mutual Independent: First Iowa Insurance Agency, 4101 glass road ne cedar rapids, Cedar Rapids, IA, 52402
  • Farmers: Shawn Schuman, 1350 boyson rd # 2, Hiawatha, IA, 52233 (319) 826-4740

Your Background Impacts Your Home Insurance Quotes

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

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Full Time Job Up to 499 Credit Score >$150,000 No Pets, Non-Smoker $930
Retired 700-749 Credit Score No Income 1 Pet, Non-Smoker $290
Unemployed 800-850 Credit Score No Income More than 3 Pets at home, Smoker $180