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50645 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 50645 zip code it's important to know that our rates are very competitive for homeowners living in Ionia, IA. Many homeowners based out of your 50645 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Iowa licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 50645 should appear in the zip code field ready to go. For Ionia, IA Homeowners Insurance Quotes nearby, we offer the best rates and service.

50645: Average Home Insurance Rates

For homeowners living in the great city of Ionia, the average homeowners policy is considered medium in comparison to other states. Iowa premiums are estimated to be around $771 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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50645 Home Insurance Average Premiums

Local 50645 homeowners insurance quotes comparison

$521 /yr.

Shows Zip Code: 50645 lowest rates with discounts applied on average.

For the 50645, 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)		$521 /yr.
Average Coverage:$771 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1071 /yr.

What is the average home insurance cost for a home in 50645?

  • • The average homeowners insurance premium paid annually for a home in 50645 is around $771 per year.

What does it cost on average per month for home insurance in 50645?

  • • Homeowners in 50645 pay a monthly average cost per month around $64.00.

What kind of discount could I get if I combine my home and auto insurance together in 50645?

  • • Autoowners in 50645 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 Ionia area, check out other zip codes nearby 50645.
Review average rates in another zip code:
50645 homeowners insurance rates

Home Replacement Cost Coverage in 50645

Average Building Cost Per Square Foot in 50645: $130

Location: Ionia, Iowa (Chickasaw County)

Average Square Footage in 50645: 685 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 50645 before you start any project. Ionia 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 50645 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 50645 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 685 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 Ionia 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$130685$89,100
Additional Upgrades & Added Features$163685$111,375
Major Home Updates or Advancements$195685$133,650

It's important to understand that when you estimate your replacement cost of your home in the 50645 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 50645

Best Home & Auto Insurance Agencies in 50645

Housing Demographics for 50645

Population Review for 50645 Zip Code

For the city of Ionia, the population within 50645 has increased to over 1,002 residents in population size. The current population total is 1,124. We have broken down the population based on race below. In 50645, there are over 588 in male population and 536 females.

PopulationValues
Total Population1,124
White Population1099
Black Population1
Hispanic Population15
Asian Population0
Hawaiian Population2
Indian Population3
Other Population5
Male Population588
Female Population536
Population Estimate1002

Household Data for 50645

The average number of homes in 50645 is around 449, there are an average of 2.50 per household. The average house value according to local real estate values is around $89,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode449
Persons Per Household2.50
Average House Value$89,100
Income Per Household$52083
Median Age42.1
Median Age Male42.7
Median Age Female41.3
50645 DetailsValues
StateIA
State Full NameIowa
City TypeP
City Alias Abbreviation
Area Code641
CityIonia
City Alias NameIONIA
CountyChickasaw
County FIPS037
State FIPS19
Time Zone6
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses23
Number Of Employees45
Business First Quarter Payroll364
Business Annual Payroll3857
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District02
Congressional LandArea12261.92
Delivery Residential401
Delivery Business7
Delivery Total668
Preferred Last Line KeyW10741
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyW10741
Land Area85.632000
Water Area0.211000
City Alias Code
City Mixed CaseIonia
City Alias Mixed CaseIonia
Box Count43
SFDU401
MFDU0
State ANSI19
County ANSI037
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number184383
Unique ZIP Name
SSA State County Code16180
Medicare CBSA Code99916
Medicare CBSA NameRural Areas in IA
Medicare CBSA TypeMicro
Market Rating Area ID7
County Mixed CaseChickasaw

Iowa Homeowners Insurance News & Information

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