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Compare 51243 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Little Rock just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 314 neighbors looking to save on their home insurance policy in the local 51243 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 51243. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Iowa rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Little Rock, IA home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Little Rock, IA

51243 Home Insurance Average Premiums

Local 51243 homeowners insurance quotes comparison

$495 /yr.

Shows Zip Code: 51243 lowest rates with discounts applied on average.

For the 51243, 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)		$495 /yr.
Average Coverage:$745 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1045 /yr.

What is the average home insurance cost for a home in 51243?

  • • The average homeowners insurance premium paid annually for a home in 51243 is around $745 per year.

What does it cost on average per month for home insurance in 51243?

  • • Homeowners in 51243 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 51243?

  • • Autoowners in 51243 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 Little Rock area, check out other zip codes nearby 51243.
Review average rates in another zip code:
51243 homeowners insurance rates

Home Replacement Cost Coverage in 51243

Average Building Cost Per Square Foot in 51243: $130

Location: Little Rock, Iowa (Lyon County)

Average Square Footage in 51243: 552 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 51243 before you start any project. Little Rock 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 51243 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 51243 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 552 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 Little Rock 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$130552$71,700
Additional Upgrades & Added Features$163552$89,625
Major Home Updates or Advancements$195552$107,550

It's important to understand that when you estimate your replacement cost of your home in the 51243 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 51243

Best Home & Auto Insurance Agencies in 51243

Housing Demographics for 51243

Population Review for 51243 Zip Code

For the city of Little Rock, the population within 51243 has increased to over 531 residents in population size. The current population total is 742. We have broken down the population based on race below. In 51243, there are over 385 in male population and 357 females.

PopulationValues
Total Population742
White Population699
Black Population2
Hispanic Population35
Asian Population0
Hawaiian Population3
Indian Population2
Other Population18
Male Population385
Female Population357
Population Estimate531

Household Data for 51243

The average number of homes in 51243 is around 314, there are an average of 2.36 per household. The average house value according to local real estate values is around $71,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode314
Persons Per Household2.36
Average House Value$71,700
Income Per Household$66635
Median Age41.1
Median Age Male35.9
Median Age Female46.2
51243 DetailsValues
StateIA
State Full NameIowa
City TypeP
City Alias Abbreviation
Area Code712
CityLittle Rock
City Alias NameLITTLE ROCK
CountyLyon
County FIPS119
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 Businesses18
Number Of Employees60
Business First Quarter Payroll494
Business Annual Payroll2332
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 Residential225
Delivery Business3
Delivery Total331
Preferred Last Line KeyW10885
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyW10885
Land Area52.297000
Water Area0.014000
City Alias Code
City Mixed CaseLittle Rock
City Alias Mixed CaseLittle Rock
Box Count95
SFDU224
MFDU0
State ANSI19
County ANSI119
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number185229
Unique ZIP Name
SSA State County Code16590
Medicare CBSA Code99916
Medicare CBSA NameRural Areas in IA
Medicare CBSA TypeMicro
Market Rating Area ID3
County Mixed CaseLyon

Iowa Homeowners Insurance News & Information

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    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 […]