50616 Home Insurance Rates

For homeowners living in 50616, the population estimates are increasing to well over 10,009 with 4,324 occupied homes within the zip code of 50616. Homeowners like you are dicovering up to 40% or more in savings when they shop their new home insurance policy online. At GetHomeInsuranceQuotes.com, we provide homeowners a free shopping service that allows you to easily compare up to 12 competitive quotes for free. Home insurance premiums in Charles City have increased and the average home insurance premium is around $760 per year in 50616. With our online quoting services and hassle free consultation, we can help you apply all the available discounts you need, plus review the best coverage and carrier option for you. Enter your 50616 zip code today so we can help you find affordable Charles City, IA home insurance premiums.

Compare Multiple Homeowners Insurance Rates in 50616

Please select one of the three options below based on your 50616 zip code to learn more about Iowa homeowners insurance, plus review average rates and information per state, county or city.

50616 Average Home Insurance Rating Cost is: Medium!

Getting cheaper homeowners insurance in the 50616 zip code just got easier with GetHomeInsuranceQuotes.com of Charles City, IA. A homeowners policy consists of a combined property and casualty coverage for your home. To insure your home for a variety of risks like fire, theft, windstorm damage or liability accidents, it's important to get the right home insurance coverage. A standard HO-3 homeowners policy will help you get the basic coverage you need. Their are multiple home insurance types and we can help you get the savings you are looking for you in your insurance cost, plus the enhanced coverage you need so you have the protection when you need it most. Shop your home in 50616 today and let us help you review the best home insurance quotes available for homeowners living in Charles City.

Get 50616 Homeowners Insurance Rates Now!

50616 Home Insurance Average Premiums

Local 50616 homeowners insurance quotes comparison

$510 /yr.

Shows Zip Code: 50616 lowest rates with discounts applied on average.

For the 50616, 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)	$510 /yr.
Average Coverage:	$760 /yr.
2600 sq. ft. or higher (all discounts applied)	$1060 /yr.

What is the average home insurance cost for a home in 50616?

• The average homeowners insurance premium paid annually for a home in 50616 is around $760 per year.

What does it cost on average per month for home insurance in 50616?

• Homeowners in 50616 pay a monthly average cost per month around $63.00.

What kind of discount could I get if I combine my home and auto insurance together in 50616?

• Autoowners in 50616 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 Charles City area, check out other zip codes nearby 50616.
Review average rates in another zip code:
50616 homeowners insurance rates

Home Replacement Cost Coverage in 50616

Average Building Cost Per Square Foot in 50616: $130

Location: Charles City, Iowa (Floyd County)

Average Square Footage in 50616: 845 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 50616 before you start any project. Charles City 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 50616 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 50616 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 845 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 Charles City 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	845	$109,800
Additional Upgrades & Added Features	$163	845	$137,250
Major Home Updates or Advancements	$195	845	$164,700

Calculate Your Dwelling Coverage in 50616

It's important to understand that when you estimate your replacement cost of your home in the 50616 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 Home & Auto Insurance Agencies in 50616

Rouse- Thomas H

Address: 717 Kelly Mall Charles City, IA 50616
Phone:
Website:
Info:

American Family Insurance- Joe Maloy

Address: 914 S Grand Ave Charles City, IA 50616
Phone:
Website: http://www.dexknows.com/rd?dku=http://www.dexknows.com/business_profiles/american_family_insurance__joe_maloy-b2111944&mkt=63801
Info:

Allstate Insurance Agency

Address: 715 Gilbert St Charles City, IA 50616
Phone:
Website: http://www.allstateagencies.com/074420/welcome
Info:

Housing Demographics for 50616

Population Review for 50616 Zip Code

For the city of Charles City, the population within 50616 has increased to over 10,010 residents in population size. The current population total is 10,009. We have broken down the population based on race below. In 50616, there are over 4863 in male population and 5146 females.

Population	Values
Total Population	10,009
White Population	8766
Black Population	377
Hispanic Population	422
Asian Population	284
Hawaiian Population	4
Indian Population	20
Other Population	148
Male Population	4863
Female Population	5146
Population Estimate	10010

Household Data for 50616

The average number of homes in 50616 is around 4,324, there are an average of 2.27 per household. The average house value according to local real estate values is around $109,800. Please review the following demographics below for average income and media age.

Housing / Income Data	Values
Households Per Zipcode	4,324
Persons Per Household	2.27
Average House Value	$109,800
Income Per Household	$53322
Median Age	43.3
Median Age Male	41.4
Median Age Female	45.2

50616 Details	Values
State	IA
State Full Name	Iowa
City Type	P
City Alias Abbreviation
Area Code	641
City	Charles City
City Alias Name	CHARLES CITY
County	Floyd
County FIPS	067
State FIPS	19
Time Zone	6
Day Light Saving	Y
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
Region	Midwest
Division	West North Central
MailingName	Y

Economic & Growth Review	Values
Number Of Businesses	264
Number Of Employees	3819
Business First Quarter Payroll	43881
Business Annual Payroll	177595
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	0
CBSA Division Population	0
Congressional District	02
Congressional LandArea	12261.92
Delivery Residential	4410
Delivery Business	305
Delivery Total	4885
Preferred Last Line Key	W10257
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State Key	W10257
Land Area	176.168000
Water Area	0.196000
City Alias Code
City Mixed Case	Charles City
City Alias Mixed Case	Charles City
Box Count	89
SFDU	4075
MFDU	286
State ANSI	19
County ANSI	067
ZIP Intro
Alias Intro
Facility Code	P
City Delivery Indicator	Y
Carrier Route Rate Sortation	D
Finance Number	181566
Unique ZIP Name
SSA State County Code	16330
Medicare CBSA Code	99916
Medicare CBSA Name	Rural Areas in IA
Medicare CBSA Type	Micro
Market Rating Area ID	7
County Mixed Case	Floyd

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 […]

Home Insurance Quotes in 50616!