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50864 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 50864 zip code it's important to know that our rates are very competitive for homeowners living in Villisca, IA. Many homeowners based out of your 50864 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 50864 should appear in the zip code field ready to go. For Villisca, IA Homeowners Insurance Quotes nearby, we offer the best rates and service.

50864: Average Home Insurance Rates

For homeowners living in the great city of Villisca, the average homeowners policy is considered medium in comparison to other states. Iowa premiums are estimated to be around $729 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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50864 Home Insurance Average Premiums

Local 50864 homeowners insurance quotes comparison

$479 /yr.

Shows Zip Code: 50864 lowest rates with discounts applied on average.

For the 50864, 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)		$479 /yr.
Average Coverage:$729 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1029 /yr.

What is the average home insurance cost for a home in 50864?

  • • The average homeowners insurance premium paid annually for a home in 50864 is around $729 per year.

What does it cost on average per month for home insurance in 50864?

  • • Homeowners in 50864 pay a monthly average cost per month around $61.00.

What kind of discount could I get if I combine my home and auto insurance together in 50864?

  • • Autoowners in 50864 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 Villisca area, check out other zip codes nearby 50864.
Review average rates in another zip code:
50864 homeowners insurance rates

Home Replacement Cost Coverage in 50864

Average Building Cost Per Square Foot in 50864: $130

Location: Villisca, Iowa (Montgomery County)

Average Square Footage in 50864: 695 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 50864 before you start any project. Villisca 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 50864 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 50864 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 695 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 Villisca 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$130695$90,300
Additional Upgrades & Added Features$163695$112,875
Major Home Updates or Advancements$195695$135,450

It's important to understand that when you estimate your replacement cost of your home in the 50864 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 50864

Best Home & Auto Insurance Agencies in 50864

Housing Demographics for 50864

Population Review for 50864 Zip Code

For the city of Villisca, the population within 50864 has increased to over 1,831 residents in population size. The current population total is 1,872. We have broken down the population based on race below. In 50864, there are over 929 in male population and 943 females.

PopulationValues
Total Population1,872
White Population1793
Black Population4
Hispanic Population32
Asian Population3
Hawaiian Population0
Indian Population6
Other Population6
Male Population929
Female Population943
Population Estimate1831

Household Data for 50864

The average number of homes in 50864 is around 808, there are an average of 2.27 per household. The average house value according to local real estate values is around $90,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode808
Persons Per Household2.27
Average House Value$90,300
Income Per Household$56184
Median Age46.2
Median Age Male46.6
Median Age Female45.8
50864 DetailsValues
StateIA
State Full NameIowa
City TypeP
City Alias Abbreviation
Area Code712
CityVillisca
City Alias NameVILLISCA
CountyMontgomery
County FIPS137
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 Businesses40
Number Of Employees194
Business First Quarter Payroll1506
Business Annual Payroll6598
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 District03
Congressional LandArea8789.62
Delivery Residential807
Delivery Business53
Delivery Total890
Preferred Last Line KeyW11661
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyW11661
Land Area147.555000
Water Area0.300000
City Alias Code
City Mixed CaseVillisca
City Alias Mixed CaseVillisca
Box Count20
SFDU748
MFDU43
State ANSI19
County ANSI137
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number189171
Unique ZIP Name
SSA State County Code16680
Medicare CBSA Code99916
Medicare CBSA NameRural Areas in IA
Medicare CBSA TypeMicro
Market Rating Area ID4
County Mixed CaseMontgomery

Iowa Homeowners Insurance News & Information

  • Can $600 Million Help Lower Florida Homeowners Insurance Rates? Posted on Friday 14th February, 2025

    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 […]

  • 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 […]

  • 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 […]