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If you live in the 50128 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of Jamaica have saved hundreds of dollars on their annual premium when using GetHomeInsuranceQuotes.com.

Our service is always free and we not only find a great policy for you, our IA licensed agents will provide you with a free consultation to discuss your coverage needs and answer any questions you may have regarding policy coverages or rates.

It is easy to start shopping for a new policy, just click on the "Get Multiple Quotes Now" button below, confirm your 50128 and then compare quotes from a variety of nationwide insurance companies.

50128 Average Homeowners Insurance Rates

If you are shopping for a HO-3 policy, which is considered the standard when it comes to homeowners insurance, we can help. In 50128 the average premium for homeowners coverage is $726 which compares very well to the national average of $1,249.

Our site makes it easy for you to find the insurer that offers the best coverage at the best rate in 50128. We are happy to answer any questions you may have and explain the different type of coverage while helping you determine what coverage levels are best for your family.

Get Free Home Insurance Quotes in 50128 Today!

We can help you find up to 12 homeowners insurance quotes quickly and from the comfort of your own home. In addition, we can do a discount review to make sure you are getting all available discounts on your policy.

Click to review the best Jamaica, IA home insurance quotes in your area.

50128 Home Insurance Average Premiums

Local 50128 homeowners insurance quotes comparison

$476 /yr.

Shows Zip Code: 50128 lowest rates with discounts applied on average.

For the 50128, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$476 /yr.
Average Coverage:$726 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1026 /yr.

What is the average home insurance cost for a home in 50128?

  • • The average homeowners insurance premium paid annually for a home in 50128 is around $726 per year.

What does it cost on average per month for home insurance in 50128?

  • • Homeowners in 50128 pay a monthly average cost per month around $61.00.

What kind of discount could I get if I combine my home and auto insurance together in 50128?

  • • Autoowners in 50128 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Jamaica area, check out other zip codes nearby 50128.
Review average rates in another zip code:
50128 homeowners insurance rates

Home Replacement Cost Coverage in 50128

Average Building Cost Per Square Foot in 50128: $130

Location: Jamaica, Iowa (Guthrie County)

Average Square Footage in 50128: 645 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 50128 before you start any project. Jamaica homeowners pay on average around $130 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 50128 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 50128 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 645 sq. ft. and the average cost to rebuild the home in this area is around $130 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Jamaica area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$130645$83,900
Additional Upgrades & Added Features$163645$104,875
Major Home Updates or Advancements$195645$125,850

It's important to understand that when you estimate your replacement cost of your home in the 50128 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 50128

Best Home & Auto Insurance Agencies in 50128

Housing Demographics for 50128

Population Review for 50128 Zip Code

For the city of Jamaica, the population within 50128 has increased to over 174 residents in population size. The current population total is 316. We have broken down the population based on race below. In 50128, there are over 172 in male population and 144 females.

PopulationValues
Total Population316
White Population280
Black Population0
Hispanic Population34
Asian Population0
Hawaiian Population0
Indian Population0
Other Population13
Male Population172
Female Population144
Population Estimate174

Household Data for 50128

The average number of homes in 50128 is around 143, there are an average of 2.21 per household. The average house value according to local real estate values is around $83,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode143
Persons Per Household2.21
Average House Value$83,900
Income Per Household$43594
Median Age49.7
Median Age Male51.0
Median Age Female48.3
50128 DetailsValues
StateIA
State Full NameIowa
City TypeP
City Alias Abbreviation
Area Code641
CityJamaica
City Alias NameJAMAICA
CountyGuthrie
County FIPS077
State FIPS19
Time Zone6
Day Light SavingY
MSA
PMSA
CSA218
CBSA19780
CBSA_DIV
CBSA_TypeMetro
CBSA_NameDes Moines-West Des Moines, IA
MSA_Name
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses0
Number Of Employees0
Business First Quarter Payroll0
Business Annual Payroll0
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population569633
CBSA Division Population0
Congressional District03
Congressional LandArea8789.62
Delivery Residential79
Delivery Business0
Delivery Total159
Preferred Last Line KeyW10758
Classification Code
Multi-CountyY
CSA NameDes Moines-West Des Moines-Ames, IA
CBSA_DIV_Name
City State KeyW10758
Land Area28.242000
Water Area0.083000
City Alias Code
City Mixed CaseJamaica
City Alias Mixed CaseJamaica
Box Count70
SFDU79
MFDU0
State ANSI19
County ANSI077
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number184455
Unique ZIP Name
SSA State County Code16380
Medicare CBSA Code19780
Medicare CBSA NameDes Moines-West Des Moines, IA
Medicare CBSA TypeMetro
Market Rating Area ID4
County Mixed CaseGuthrie

Iowa Homeowners Insurance News & Information

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    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]