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50171 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 50171 zip code it's important to know that our rates are very competitive for homeowners living in Montezuma, IA. Many homeowners based out of your 50171 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Iowa licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 50171 should appear in the zip code field ready to go. For Montezuma, IA Homeowners Insurance Quotes nearby, we offer the best rates and service.

50171: Average Home Insurance Rates

For homeowners living in the great city of Montezuma, the average homeowners policy is considered medium in comparison to other states. Iowa premiums are estimated to be around $779 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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50171 Home Insurance Average Premiums

Local 50171 homeowners insurance quotes comparison

$529 /yr.

Shows Zip Code: 50171 lowest rates with discounts applied on average.

For the 50171, 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)		$529 /yr.
Average Coverage:$779 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1079 /yr.

What is the average home insurance cost for a home in 50171?

  • • The average homeowners insurance premium paid annually for a home in 50171 is around $779 per year.

What does it cost on average per month for home insurance in 50171?

  • • Homeowners in 50171 pay a monthly average cost per month around $65.00.

What kind of discount could I get if I combine my home and auto insurance together in 50171?

  • • Autoowners in 50171 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 Montezuma area, check out other zip codes nearby 50171.
Review average rates in another zip code:
50171 homeowners insurance rates

Home Replacement Cost Coverage in 50171

Average Building Cost Per Square Foot in 50171: $130

Location: Montezuma, Iowa (Poweshiek County)

Average Square Footage in 50171: 1,484 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 50171 before you start any project. Montezuma 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 50171 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 50171 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,484 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 Montezuma 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$1301,484$192,900
Additional Upgrades & Added Features$1631,484$241,125
Major Home Updates or Advancements$1951,484$289,350

It's important to understand that when you estimate your replacement cost of your home in the 50171 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 50171

Best Home & Auto Insurance Agencies in 50171

Housing Demographics for 50171

Population Review for 50171 Zip Code

For the city of Montezuma, the population within 50171 has increased to over 1,929 residents in population size. The current population total is 2,703. We have broken down the population based on race below. In 50171, there are over 1320 in male population and 1383 females.

PopulationValues
Total Population2,703
White Population2615
Black Population4
Hispanic Population41
Asian Population5
Hawaiian Population0
Indian Population7
Other Population13
Male Population1320
Female Population1383
Population Estimate1929

Household Data for 50171

The average number of homes in 50171 is around 1,217, there are an average of 2.18 per household. The average house value according to local real estate values is around $192,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,217
Persons Per Household2.18
Average House Value$192,900
Income Per Household$52917
Median Age46.6
Median Age Male45.9
Median Age Female47.3
50171 DetailsValues
StateIA
State Full NameIowa
City TypeP
City Alias Abbreviation
Area Code641
CityMontezuma
City Alias NameMONTEZUMA
CountyPoweshiek
County FIPS157
State FIPS19
Time Zone6
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses92
Number Of Employees1424
Business First Quarter Payroll15900
Business Annual Payroll67400
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District01|02
Congressional LandArea12048.84|12261.92
Delivery Residential885
Delivery Business11
Delivery Total1501
Preferred Last Line KeyW11041
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyW11041
Land Area109.813000
Water Area0.688000
City Alias Code
City Mixed CaseMontezuma
City Alias Mixed CaseMontezuma
Box Count430
SFDU859
MFDU0
State ANSI19
County ANSI157
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number186138
Unique ZIP Name
SSA State County Code16780
Medicare CBSA Code99916
Medicare CBSA NameRural Areas in IA
Medicare CBSA TypeMicro
Market Rating Area ID1
County Mixed CasePoweshiek

Iowa Homeowners Insurance News & Information

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    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 […]