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50316 Home Insurance Rates & Premiums

Did you know there are over 16,785 people living within the 50316 zip code area? There are over 5,800 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 50316.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-913-276-4017, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Iowa are on the rise. The estimated average premium is around $748 a year for a standard homeowners insurance policy in Des Moines. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Des Moines, IA Homeowners Insurance Quotes Online

50316 Home Insurance Average Premiums

Local 50316 homeowners insurance quotes comparison

$498 /yr.

Shows Zip Code: 50316 lowest rates with discounts applied on average.

For the 50316, 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)		$498 /yr.
Average Coverage:$748 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1048 /yr.

What is the average home insurance cost for a home in 50316?

  • • The average homeowners insurance premium paid annually for a home in 50316 is around $748 per year.

What does it cost on average per month for home insurance in 50316?

  • • Homeowners in 50316 pay a monthly average cost per month around $62.00.

What kind of discount could I get if I combine my home and auto insurance together in 50316?

  • • Autoowners in 50316 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 Des Moines area, check out other zip codes nearby 50316.
Review average rates in another zip code:
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50320 homeowners insurance rates
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50309 homeowners insurance rates

Home Replacement Cost Coverage in 50316

Average Building Cost Per Square Foot in 50316: $130

Location: Des Moines, Iowa (Polk County)

Average Square Footage in 50316: 832 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 50316 before you start any project. Des Moines 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 50316 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 50316 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 832 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 Des Moines 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$130832$108,100
Additional Upgrades & Added Features$163832$135,125
Major Home Updates or Advancements$195832$162,150

It's important to understand that when you estimate your replacement cost of your home in the 50316 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 50316

Best Home & Auto Insurance Agencies in 50316

Fabiola Pastorino- Farmers Insurance

Address: 1514 E Grand Ave, Ste B Des Moines, IA 50316
Phone:
Website: http://www.desmoines.citysearch.com/profile/external/651255840/des_moines_ia/fabiola_pastorino_farmers_insurance.html
Info:

The Insurance Specialists

Address: 1301 E Euclid Ave Des Moines, IA 50316
Phone:
Website: http://www.dexknows.com/rd?dku=http://www.dexknows.com/business_profiles/the_insurance_specialists-b957834&mkt=63801
Info:

Housing Demographics for 50316

Population Review for 50316 Zip Code

For the city of Des Moines, the population within 50316 has increased to over 15,846 residents in population size. The current population total is 16,785. We have broken down the population based on race below. In 50316, there are over 8304 in male population and 8481 females.

PopulationValues
Total Population16,785
White Population8363
Black Population2573
Hispanic Population4692
Asian Population1232
Hawaiian Population23
Indian Population156
Other Population2311
Male Population8304
Female Population8481
Population Estimate15846

Household Data for 50316

The average number of homes in 50316 is around 5,800, there are an average of 2.70 per household. The average house value according to local real estate values is around $108,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,800
Persons Per Household2.70
Average House Value$108,100
Income Per Household$46577
Median Age32.5
Median Age Male30.9
Median Age Female34.4
50316 DetailsValues
StateIA
State Full NameIowa
City TypeP
City Alias Abbreviation
Area Code515
CityDes Moines
City Alias NameDES MOINES
CountyPolk
County FIPS153
State FIPS19
Time Zone6
Day Light SavingY
MSA2120
PMSA
CSA218
CBSA19780
CBSA_DIV
CBSA_TypeMetro
CBSA_NameDes Moines-West Des Moines, IA
MSA_NameDes Moines, IA MSA
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses275
Number Of Employees7464
Business First Quarter Payroll87538
Business Annual Payroll372682
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 Residential5869
Delivery Business358
Delivery Total7111
Preferred Last Line KeyW10402
Classification Code
Multi-County
CSA NameDes Moines-West Des Moines-Ames, IA
CBSA_DIV_Name
City State KeyW10402
Land Area3.567000
Water Area0.035000
City Alias Code
City Mixed CaseDes Moines
City Alias Mixed CaseDes Moines
Box Count130
SFDU4777
MFDU923
State ANSI19
County ANSI153
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number182412
Unique ZIP Name
SSA State County Code16760
Medicare CBSA Code19780
Medicare CBSA NameDes Moines-West Des Moines, IA
Medicare CBSA TypeMetro
Market Rating Area ID2
County Mixed CasePolk

Iowa Homeowners Insurance News & Information

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