Get multiple home insurance quotes in 51109. Our licensed 51109, IA agents are ready to serve you.

51109 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 51109 zip code it's important to know that our rates are very competitive for homeowners living in Sioux City, IA. Many homeowners based out of your 51109 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 51109 should appear in the zip code field ready to go. For Sioux City, IA Homeowners Insurance Quotes nearby, we offer the best rates and service.

51109: Average Home Insurance Rates

For homeowners living in the great city of Sioux City, the average homeowners policy is considered medium in comparison to other states. Iowa premiums are estimated to be around $746 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.

Save on 51109 Home Insurance Quotes!

51109 Home Insurance Average Premiums

Local 51109 homeowners insurance quotes comparison

$496 /yr.

Shows Zip Code: 51109 lowest rates with discounts applied on average.

For the 51109, 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)		$496 /yr.
Average Coverage:$746 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1046 /yr.

What is the average home insurance cost for a home in 51109?

  • • The average homeowners insurance premium paid annually for a home in 51109 is around $746 per year.

What does it cost on average per month for home insurance in 51109?

  • • Homeowners in 51109 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 51109?

  • • Autoowners in 51109 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 Sioux City area, check out other zip codes nearby 51109.
Review average rates in another zip code:
51101 homeowners insurance rates
51103 homeowners insurance rates
51106 homeowners insurance rates
51109 homeowners insurance rates
51104 homeowners insurance rates
51108 homeowners insurance rates
51105 homeowners insurance rates

Home Replacement Cost Coverage in 51109

Average Building Cost Per Square Foot in 51109: $130

Location: Sioux City, Iowa (Woodbury County)

Average Square Footage in 51109: 829 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 51109 before you start any project. Sioux 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 51109 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 51109 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 829 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 Sioux 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 StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$130829$107,800
Additional Upgrades & Added Features$163829$134,750
Major Home Updates or Advancements$195829$161,700

It's important to understand that when you estimate your replacement cost of your home in the 51109 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 51109

Derby Insurance Agency Inc

Address: 5529 Military Road Sioux City, IA 51109
Phone: (712)233-2838
Website: www.derbyinsurance.com

Best Home & Auto Insurance Agencies in 51109

Derby Insurance Agency Inc

Address: 5529 Military Rd Sioux City, IA 51109
Phone:
Website: http://www.derbyinsurance.com
Info:

Housing Demographics for 51109

Population Review for 51109 Zip Code

For the city of Sioux City, the population within 51109 has increased to over 3,224 residents in population size. The current population total is 3,109. We have broken down the population based on race below. In 51109, there are over 1533 in male population and 1576 females.

PopulationValues
Total Population3,109
White Population2587
Black Population55
Hispanic Population373
Asian Population36
Hawaiian Population2
Indian Population51
Other Population181
Male Population1533
Female Population1576
Population Estimate3224

Household Data for 51109

The average number of homes in 51109 is around 1,299, there are an average of 2.39 per household. The average house value according to local real estate values is around $107,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,299
Persons Per Household2.39
Average House Value$107,800
Income Per Household$61786
Median Age42.2
Median Age Male41.6
Median Age Female42.8
51109 DetailsValues
StateIA
State Full NameIowa
City TypeP
City Alias Abbreviation
Area Code712
CitySioux City
City Alias NameSIOUX CITY
CountyWoodbury
County FIPS193
State FIPS19
Time Zone6
Day Light SavingY
MSA7720
PMSA
CSA512
CBSA43580
CBSA_DIV
CBSA_TypeMetro
CBSA_NameSioux City, IA-NE-SD
MSA_NameSioux City, IA-NE MSA
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses57
Number Of Employees333
Business First Quarter Payroll2035
Business Annual Payroll9505
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population143577
CBSA Division Population0
Congressional District04
Congressional LandArea22756.75
Delivery Residential1349
Delivery Business55
Delivery Total1533
Preferred Last Line KeyW11437
Classification Code
Multi-CountyY
CSA NameSioux City-Le Mars, IA-NE-SD
CBSA_DIV_Name
City State KeyW11437
Land Area17.609000
Water Area0.837000
City Alias Code
City Mixed CaseSioux City
City Alias Mixed CaseSioux City
Box Count0
SFDU1158
MFDU33
State ANSI19
County ANSI193
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number188325
Unique ZIP Name
SSA State County Code16960
Medicare CBSA Code43580
Medicare CBSA NameSioux City, IA-NE-SD
Medicare CBSA TypeMetro
Market Rating Area ID3
County Mixed CaseWoodbury

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 […]