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Home Insurance in 50325
One of the best ways to save money on your homeowners insurance policy in the 50325 zip code is to shop your coverage on a regular basis. If your premium has been headed up in the last few years, we can help you find a great policy from the comfort of your own living room.
GetHomeInsuranceQuotes.com is the easiest way to shop for competitive homeowners insurance rates in in Clive, IA. A few clicks of the mouse and we will show you quotes from up to 12 nationwide carriers who are happy to compete for your business.
As always, our service is free and our Iowa licensed agents can advise you on the coverages you need as well as the coverage levels you should be carrying to fully protect your property and possessions. They will also be happy to answer any questions you may have and explain the details of your homeowners insurance coverage.
Getting started is easy, simply click on the "Get Multiple Quotes Now" button at the top of the page, verify your 50325 zip code and you are ready to start saving on home insurance.
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Find Clive, IA Homeowners Insurance Quotes to review the best coverage options in your area.
Information on the Average Homeowners Premiums in 50325
According to industry data, homeowners located in Clive pay roughly $715 per year for a HO-3 homeowners policy. A HO-3 policy is considered the standard when it comes to homeowners insurance. It offers protection for your home, possessions, loss of use as well as liability protection. If you have a mortgage on your property, your lender will require an HO-3 policy is in place to protect their loan.
Remember, an HO-3 policy does not offer coverage for flood damage in 50325 zip code. If you live in a high-risk area for flood damage, your lender will most likely require that you carry a separate flood insurance policy. Our agents can help you determine if you need flood insurance coverage and help you find a policy that fully protects your property.
A recent ranking of Iowa home insurance premiums found that premiums in 50325 are 37 when compared to other state averages. Shopping your coverage on a regular basis is the best way to ensure you are getting the best price on a homeowners policy.
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The best part of our job is helping homeowners save money on their homeowners insurance while also educating our clients on the different types of coverage available to them in 50325.
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50325 Home Insurance Average Premiums
$465 /yr.
Shows Zip Code: 50325 lowest rates with discounts applied on average.
For the 50325, 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) | $465 /yr. |
| Average Coverage: | $715 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1015 /yr. |
What is the average home insurance cost for a home in 50325?
- • The average homeowners insurance premium paid annually for a home in 50325 is around $715 per year.
What does it cost on average per month for home insurance in 50325?
- • Homeowners in 50325 pay a monthly average cost per month around $60.00.
What kind of discount could I get if I combine my home and auto insurance together in 50325?
- • Autoowners in 50325 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 Clive area, check out other zip codes nearby 50325.
Review average rates in another zip code:
50325 homeowners insurance rates
Home Replacement Cost Coverage in 50325
Average Building Cost Per Square Foot in 50325: $130
Location: Clive, Iowa (Polk County)Average Square Footage in 50325: 2,382 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 50325 before you start any project. Clive 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 50325 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 50325 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,382 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 Clive 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $130 | 2,382 | $309,700 |
| Additional Upgrades & Added Features | $163 | 2,382 | $387,125 |
| Major Home Updates or Advancements | $195 | 2,382 | $464,550 |
It's important to understand that when you estimate your replacement cost of your home in the 50325 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 50325
A-1 Insurance
Address: 8421 University Boulevard Suite G Clive, IA 50325Phone: (515)440-0829
Website:
Best Home & Auto Insurance Agencies in 50325
Helps Insurance Agency Inc - State Farm Insurance Agent
Address: 8818 Swanson Blvd Clive, IA 50325Phone:
Website: http://www.citysearch.com/profile/external/605155022/clive_ia/helps_insurance_agcy_inc_state_farm_insurance_agent.html
Info:
Middendorf Insurance Associates
Address: 8400 Hickman Rd Clive, IA 50325Phone:
Website: http://www.dexknows.com/rd?dku=http://www.dexknows.com/business_profiles/middendorf_insurance_associates-b389709&mkt=63801
Info:
Hoyng Insurance Group Llc - Nationwide Insurance
Address: 2180 NW 156th St, Ste 103 Clive, IA 50325Phone:
Website: http://www.nationwide.com/agent/Clive-IOWA-insurance-agent/hoynginsurancegroup/office.html
Info:
American Family Insurance
Address: 8450 Hickman Rd Clive, IA 50325Phone:
Website: http://www.desmoines.citysearch.com/profile/external/33721625/clive_ia/american_family_insurance.html
Info:
Barnes- Richard A
Address: 13435 University Ave Clive, IA 50325Phone:
Website:
Info:
Housing Demographics for 50325
Population Review for 50325 Zip Code
For the city of Clive, the population within 50325 has increased to over 20,149 residents in population size. The current population total is 18,619. We have broken down the population based on race below. In 50325, there are over 9197 in male population and 9422 females.
| Population | Values |
|---|---|
| Total Population | 18,619 |
| White Population | 14743 |
| Black Population | 767 |
| Hispanic Population | 1376 |
| Asian Population | 1356 |
| Hawaiian Population | 11 |
| Indian Population | 58 |
| Other Population | 505 |
| Male Population | 9197 |
| Female Population | 9422 |
| Population Estimate | 20149 |
Household Data for 50325
The average number of homes in 50325 is around 6,995, there are an average of 2.66 per household. The average house value according to local real estate values is around $309,700. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 6,995 |
| Persons Per Household | 2.66 |
| Average House Value | $309,700 |
| Income Per Household | $114905 |
| Median Age | 38.9 |
| Median Age Male | 38.2 |
| Median Age Female | 39.5 |
| 50325 Details | Values |
|---|---|
| State | IA |
| State Full Name | Iowa |
| City Type | N |
| City Alias Abbreviation | |
| Area Code | 515 |
| City | Clive |
| City Alias Name | CLIVE |
| County | Polk |
| County FIPS | 153 |
| State FIPS | 19 |
| Time Zone | 6 |
| Day Light Saving | Y |
| MSA | 2120 |
| PMSA | |
| CSA | 218 |
| CBSA | 19780 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Des Moines-West Des Moines, IA |
| MSA_Name | Des Moines, IA MSA |
| PMSA_Name | |
| Region | Midwest |
| Division | West North Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 870 |
| Number Of Employees | 11150 |
| Business First Quarter Payroll | 147739 |
| Business Annual Payroll | 649435 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 569633 |
| CBSA Division Population | 0 |
| Congressional District | 03 |
| Congressional LandArea | 8789.62 |
| Delivery Residential | 7575 |
| Delivery Business | 831 |
| Delivery Total | 8500 |
| Preferred Last Line Key | W10291 |
| Classification Code | |
| Multi-County | Y |
| CSA Name | Des Moines-West Des Moines-Ames, IA |
| CBSA_DIV_Name | |
| City State Key | W10291 |
| Land Area | 7.725000 |
| Water Area | 0.090000 |
| City Alias Code | |
| City Mixed Case | Clive |
| City Alias Mixed Case | Clive |
| Box Count | 106 |
| SFDU | 2341 |
| MFDU | 1344 |
| State ANSI | 19 |
| County ANSI | 153 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | N |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 182412 |
| Unique ZIP Name | |
| SSA State County Code | 16760 |
| Medicare CBSA Code | 19780 |
| Medicare CBSA Name | Des Moines-West Des Moines, IA |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 2 |
| County Mixed Case | Polk |
Iowa Homeowners Insurance News & Information
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Family relax on the couch. Happy beautiful young parents are smiling, hugging and playing with them kids at home together Governor DeSantis recently asked the legislature for over $600 million to help lower homeowners insurance in his 2025-26 budget request. The budget proposal asks for $590 million to go towards the My Safe Florida Home […]
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North Carolina Homeowners’ Insurance Premiums May See a 15% Increase Posted on Thursday 23rd January, 2025
The base rate for North Carolina homeowners insurance will be headed up by an average of 15% by the middle of 2026. The rate increases are part of a settlement that was reached with the insurance industry by the North Carolina Insurance Department. The state Insurance Commissioner Mike Causey recently announced the rate increase agreement […]
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2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025
While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future. According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]