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51060 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 51060 zip code find a great new policy that offers the coverage they need at a price they can afford.

GetHomeInsuranceQuotes.com makes shopping for a new policy in Ute, IA quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 51060.

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If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 51060 and start shopping.

Quickly and Easily Compare Average Rates for 51060

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

Average Policy Rates in 51060

Homeowners in Ute are paying roughly $753 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

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51060 Home Insurance Average Premiums

Local 51060 homeowners insurance quotes comparison

$503 /yr.

Shows Zip Code: 51060 lowest rates with discounts applied on average.

For the 51060, 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)		$503 /yr.
Average Coverage:$753 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1053 /yr.

What is the average home insurance cost for a home in 51060?

  • • The average homeowners insurance premium paid annually for a home in 51060 is around $753 per year.

What does it cost on average per month for home insurance in 51060?

  • • Homeowners in 51060 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 51060?

  • • Autoowners in 51060 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 Ute area, check out other zip codes nearby 51060.
Review average rates in another zip code:
51060 homeowners insurance rates

Home Replacement Cost Coverage in 51060

Average Building Cost Per Square Foot in 51060: $130

Location: Ute, Iowa (Monona County)

Average Square Footage in 51060: 558 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 51060 before you start any project. Ute 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 51060 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 51060 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 558 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 Ute 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$130558$72,500
Additional Upgrades & Added Features$163558$90,625
Major Home Updates or Advancements$195558$108,750

It's important to understand that when you estimate your replacement cost of your home in the 51060 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 51060

Best Home & Auto Insurance Agencies in 51060

Housing Demographics for 51060

Population Review for 51060 Zip Code

For the city of Ute, the population within 51060 has increased to over 440 residents in population size. The current population total is 546. We have broken down the population based on race below. In 51060, there are over 265 in male population and 281 females.

PopulationValues
Total Population546
White Population532
Black Population0
Hispanic Population6
Asian Population2
Hawaiian Population0
Indian Population0
Other Population3
Male Population265
Female Population281
Population Estimate440

Household Data for 51060

The average number of homes in 51060 is around 256, there are an average of 2.13 per household. The average house value according to local real estate values is around $72,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode256
Persons Per Household2.13
Average House Value$72,500
Income Per Household$42708
Median Age53.0
Median Age Male52.2
Median Age Female53.6
51060 DetailsValues
StateIA
State Full NameIowa
City TypeP
City Alias Abbreviation
Area Code712
CityUte
City Alias NameUTE
CountyMonona
County FIPS133
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 Businesses11
Number Of Employees45
Business First Quarter Payroll272
Business Annual Payroll1497
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 District04
Congressional LandArea22756.75
Delivery Residential207
Delivery Business0
Delivery Total294
Preferred Last Line KeyW11646
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyW11646
Land Area59.132000
Water Area0.038000
City Alias Code
City Mixed CaseUte
City Alias Mixed CaseUte
Box Count71
SFDU161
MFDU0
State ANSI19
County ANSI133
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number189090
Unique ZIP Name
SSA State County Code16660
Medicare CBSA Code99916
Medicare CBSA NameRural Areas in IA
Medicare CBSA TypeMicro
Market Rating Area ID3
County Mixed CaseMonona

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 […]