Get multiple home insurance quotes in 50638. Our licensed 50638, IA agents are ready to serve you.

Searching for Homeowners Insurance in 50638

If you are a homeowners that lives in 50638 you may be searching for more affordable homeowners insurance in Grundy Center. Insurance rates can change on a yearly basis so if your current insurer has raised your rates recently it may be time to shop your coverage and we can help.

GetHomeInsuranceQuotes.com makes shopping your insurance policy quick and easy for residents of Grundy Center, IA. All you have to do is enter a bit of information about your home and we will gather 12 quotes from nationwide insurers, making sure that you get the best coverage levels and rates available.

Our Iowa licensed agents will provide a free consultation to make sure you are fully protected as well as answer any questions you may have about policy options. Insurance can be complicated so it pays to have a professional walk you through your various policy choices. As always, our service is free.

Getting started is easy. Click the "Get Multiple Quotes Now" button, verify your zip code and start saving.

Get 50638 Home Insurance Rate Quotes Right Now!

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Grundy Center, IA home insurance quotes in your local city and review the most competitive coverages and premiums.

Check Out 50638 Home Insurance Costs: medium!

In Grundy Center, homeowners are paying roughly $742 per year for a HO-3 policy which is considered the standard for a single family home. In order to find the best policy at the best price, we compare rates from some of the most competitive insurers and present you with your best options for homeowners insurance coverage in 50638 zip code.

Our service is free and we never spam our clients so you only receive the information that you request. While all situations are different, in most cases, homeowners in Grundy Center are saving up to 40 percent on their policy costs by using GetHomeInsuranceQuotes.com.

Start shopping for a 50638 policy right now!

50638 Home Insurance Average Premiums

Local 50638 homeowners insurance quotes comparison

$492 /yr.

Shows Zip Code: 50638 lowest rates with discounts applied on average.

For the 50638, 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)
$492 /yr.
Average Coverage:$742 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1042 /yr.

What is the average home insurance cost for a home in 50638?

  • • The average homeowners insurance premium paid annually for a home in 50638 is around $742 per year.

What does it cost on average per month for home insurance in 50638?

  • • Homeowners in 50638 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 50638?

  • • Autoowners in 50638 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 Grundy Center area, check out other zip codes nearby 50638.
Review average rates in another zip code:
50638 homeowners insurance rates

Home Replacement Cost Coverage in 50638

Average Building Cost Per Square Foot in 50638: $130

Location: Grundy Center, Iowa (Grundy County)

Average Square Footage in 50638: 1,099 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 50638 before you start any project. Grundy Center 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 50638 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 50638 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,099 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 Grundy Center 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$1301,099$142,900
Additional Upgrades & Added Features$1631,099$178,625
Major Home Updates or Advancements$1951,099$214,350

It's important to understand that when you estimate your replacement cost of your home in the 50638 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 50638

Best Home & Auto Insurance Agencies in 50638

American Family Insurance - Agents- Speirs Bob Agency

Address: 612 7th St Grundy Center, IA 50638
Phone:
Website:
Info:

Eisenman- Robert D

Address: 717 G Ave Grundy Center, IA 50638
Phone:
Website:
Info:

Housing Demographics for 50638

Population Review for 50638 Zip Code

For the city of Grundy Center, the population within 50638 has increased to over 3,278 residents in population size. The current population total is 3,411. We have broken down the population based on race below. In 50638, there are over 1629 in male population and 1782 females.

PopulationValues
Total Population3,411
White Population3268
Black Population19
Hispanic Population47
Asian Population11
Hawaiian Population0
Indian Population5
Other Population13
Male Population1629
Female Population1782
Population Estimate3278

Household Data for 50638

The average number of homes in 50638 is around 1,426, there are an average of 2.34 per household. The average house value according to local real estate values is around $142,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,426
Persons Per Household2.34
Average House Value$142,900
Income Per Household$76038
Median Age42.7
Median Age Male40.3
Median Age Female46.8
50638 DetailsValues
StateIA
State Full NameIowa
City TypeP
City Alias Abbreviation
Area Code319
CityGrundy Center
City Alias NameGRUNDY CENTER
CountyGrundy
County FIPS075
State FIPS19
Time Zone6
Day Light SavingY
MSA
PMSA
CSA
CBSA47940
CBSA_DIV
CBSA_TypeMetro
CBSA_NameWaterloo-Cedar Falls, IA
MSA_Name
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses106
Number Of Employees1058
Business First Quarter Payroll10331
Business Annual Payroll46941
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population167819
CBSA Division Population0
Congressional District02
Congressional LandArea12261.92
Delivery Residential1401
Delivery Business99
Delivery Total1691
Preferred Last Line KeyW10633
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyW10633
Land Area93.975000
Water Area0.000000
City Alias Code
City Mixed CaseGrundy Center
City Alias Mixed CaseGrundy Center
Box Count44
SFDU1323
MFDU0
State ANSI19
County ANSI075
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number183762
Unique ZIP Name
SSA State County Code16370
Medicare CBSA Code47940
Medicare CBSA NameWaterloo-Cedar Falls, IA
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseGrundy

Iowa Homeowners Insurance News & Information

  • $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 […]

  • I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024

    According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]

  • How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024

    Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm.  Understanding the different coverages that are available to homeowners is key to making sure you […]