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51360 Home Insurance Quotes & Rates
Currently, the 3,848 homes within the 51360 zip code are being challenged with rate increases and the demand for more affordable homeowners insurance premiums. The average home insurance rate for Iowa is around $766 per year for a standard HO-3 homeowners policy. A standard homeowners policy in Spirit Lake, IA, insures your home from theft, fire, windstorm damage and liability accidents on your property. Flood or earthquake damage is not covered under a basic homeowners policy, we can help you review the best coverage option for your home in 51360.
Iowa is now ranking #37 in the country for the highest premiums. If you are trying to lower your premium and want to compare up to 12 Spirit Lake home insurance quotes all in one place then GetHomeInsuranceQuotes.com of Iowa has the online shopping service for you. Our hassle free online quoting application allows homeowners in the 51360 area to review and compare the best rates and coverage options. We can provide a free consultation process to help you decide which carrier, coverage and policy is the best fit for you and your family. We realize that protecting your most valuable investment is very important to you, that is why we want to help you increase your coverage while providing the most affordable rates available. Let us help you shop and compare your Spirit Lake, Iowa home insurance rates today!
Please give us a call now at 1-913-276-4017, easily get up to 12 rates over the phone in minutes. For Spirit Lake, IA Home Insurance Quotes, start your shopping process to today, it's easy and hassle free!
51360 Home Insurance Average Premiums
$516 /yr.
Shows Zip Code: 51360 lowest rates with discounts applied on average.
For the 51360, 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) | $516 /yr. |
| Average Coverage: | $766 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1066 /yr. |
What is the average home insurance cost for a home in 51360?
- • The average homeowners insurance premium paid annually for a home in 51360 is around $766 per year.
What does it cost on average per month for home insurance in 51360?
- • Homeowners in 51360 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 51360?
- • Autoowners in 51360 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 Spirit Lake area, check out other zip codes nearby 51360.
Review average rates in another zip code:
51360 homeowners insurance rates
Home Replacement Cost Coverage in 51360
Average Building Cost Per Square Foot in 51360: $130
Location: Spirit Lake, Iowa (Dickinson County)Average Square Footage in 51360: 1,702 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 51360 before you start any project. Spirit Lake 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 51360 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 51360 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,702 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 Spirit Lake 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $130 | 1,702 | $221,300 |
| Additional Upgrades & Added Features | $163 | 1,702 | $276,625 |
| Major Home Updates or Advancements | $195 | 1,702 | $331,950 |
It's important to understand that when you estimate your replacement cost of your home in the 51360 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 51360
Best Home & Auto Insurance Agencies in 51360
Schatz- James V
Address: 2410 17th St Spirit Lake, IA 51360Phone:
Website:
Info:
Housing Demographics for 51360
Population Review for 51360 Zip Code
For the city of Spirit Lake, the population within 51360 has increased to over 10,446 residents in population size. The current population total is 8,553. We have broken down the population based on race below. In 51360, there are over 4184 in male population and 4369 females.
| Population | Values |
|---|---|
| Total Population | 8,553 |
| White Population | 8129 |
| Black Population | 39 |
| Hispanic Population | 176 |
| Asian Population | 40 |
| Hawaiian Population | 0 |
| Indian Population | 15 |
| Other Population | 56 |
| Male Population | 4184 |
| Female Population | 4369 |
| Population Estimate | 10446 |
Household Data for 51360
The average number of homes in 51360 is around 3,848, there are an average of 2.17 per household. The average house value according to local real estate values is around $221,300. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 3,848 |
| Persons Per Household | 2.17 |
| Average House Value | $221,300 |
| Income Per Household | $65529 |
| Median Age | 49.2 |
| Median Age Male | 48.2 |
| Median Age Female | 50.4 |
| 51360 Details | Values |
|---|---|
| State | IA |
| State Full Name | Iowa |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 712 |
| City | Spirit Lake |
| City Alias Name | SPIRIT LAKE |
| County | Dickinson |
| County FIPS | 059 |
| State FIPS | 19 |
| Time Zone | 6 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | 517 |
| CBSA | 44020 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Spirit Lake, IA |
| MSA_Name | |
| PMSA_Name | |
| Region | Midwest |
| Division | West North Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 395 |
| Number Of Employees | 4795 |
| Business First Quarter Payroll | 50408 |
| Business Annual Payroll | 211275 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 16667 |
| CBSA Division Population | 0 |
| Congressional District | 04 |
| Congressional LandArea | 22756.75 |
| Delivery Residential | 4814 |
| Delivery Business | 327 |
| Delivery Total | 5507 |
| Preferred Last Line Key | W11459 |
| Classification Code | |
| Multi-County | |
| CSA Name | Spencer-Spirit Lake, IA |
| CBSA_DIV_Name | |
| City State Key | W11459 |
| Land Area | 105.223000 |
| Water Area | 16.028000 |
| City Alias Code | |
| City Mixed Case | Spirit Lake |
| City Alias Mixed Case | Spirit Lake |
| Box Count | 234 |
| SFDU | 3378 |
| MFDU | 509 |
| State ANSI | 19 |
| County ANSI | 059 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 188442 |
| Unique ZIP Name | |
| SSA State County Code | 16290 |
| Medicare CBSA Code | 99916 |
| Medicare CBSA Name | Rural Areas in IA |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 3 |
| County Mixed Case | Dickinson |
Iowa Homeowners Insurance News & Information
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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 […]
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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 […]
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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 […]