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Compare 50218 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Patterson just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 72 neighbors looking to save on their home insurance policy in the local 50218 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 50218. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Iowa rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Patterson, IA home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Patterson, IA

50218 Home Insurance Average Premiums

Local 50218 homeowners insurance quotes comparison

$481 /yr.

Shows Zip Code: 50218 lowest rates with discounts applied on average.

For the 50218, 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)		$481 /yr.
Average Coverage:$731 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1031 /yr.

What is the average home insurance cost for a home in 50218?

  • • The average homeowners insurance premium paid annually for a home in 50218 is around $731 per year.

What does it cost on average per month for home insurance in 50218?

  • • Homeowners in 50218 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 50218?

  • • Autoowners in 50218 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 Patterson area, check out other zip codes nearby 50218.
Review average rates in another zip code:
50218 homeowners insurance rates

Home Replacement Cost Coverage in 50218

Average Building Cost Per Square Foot in 50218: $130

Location: Patterson, Iowa (Madison County)

Average Square Footage in 50218: 750 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 50218 before you start any project. Patterson 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 50218 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 50218 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 750 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 Patterson 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$130750$97,500
Additional Upgrades & Added Features$163750$121,875
Major Home Updates or Advancements$195750$146,250

It's important to understand that when you estimate your replacement cost of your home in the 50218 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 50218

Best Home & Auto Insurance Agencies in 50218

Housing Demographics for 50218

Population Review for 50218 Zip Code

For the city of Patterson, the population within 50218 has increased to over 207 residents in population size. The current population total is 176. We have broken down the population based on race below. In 50218, there are over 92 in male population and 84 females.

PopulationValues
Total Population176
White Population169
Black Population0
Hispanic Population2
Asian Population2
Hawaiian Population0
Indian Population0
Other Population0
Male Population92
Female Population84
Population Estimate207

Household Data for 50218

The average number of homes in 50218 is around 72, there are an average of 2.44 per household. The average house value according to local real estate values is around $97,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode72
Persons Per Household2.44
Average House Value$97,500
Income Per Household$52353
Median Age40.2
Median Age Male40.5
Median Age Female40.0
50218 DetailsValues
StateIA
State Full NameIowa
City TypeN
City Alias Abbreviation
Area Code641
CityPatterson
City Alias NamePATTERSON
CountyMadison
County FIPS121
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 Residential85
Delivery Business0
Delivery Total85
Preferred Last Line Key014634
Classification Code
Multi-County
CSA NameDes Moines-West Des Moines-Ames, IA
CBSA_DIV_Name
City State Key014634
Land Area0.448000
Water Area0.000000
City Alias Code
City Mixed CasePatterson
City Alias Mixed CasePatterson
Box Count0
SFDU6
MFDU1
State ANSI19
County ANSI121
ZIP Intro
Alias Intro
Facility CodeN
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number189765
Unique ZIP Name
SSA State County Code16600
Medicare CBSA Code19780
Medicare CBSA NameDes Moines-West Des Moines, IA
Medicare CBSA TypeMetro
Market Rating Area ID2
County Mixed CaseMadison

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 […]