Get multiple home insurance quotes in 51401. Our licensed 51401, IA agents are ready to serve you.

Compare 51401 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Carroll just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 5,232 neighbors looking to save on their home insurance policy in the local 51401 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 51401. 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 Carroll, 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 Carroll, IA

51401 Home Insurance Average Premiums

Local 51401 homeowners insurance quotes comparison

$481 /yr.

Shows Zip Code: 51401 lowest rates with discounts applied on average.

For the 51401, 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)
$481 /yr.
Average Coverage:$731 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1031 /yr.

What is the average home insurance cost for a home in 51401?

  • • The average homeowners insurance premium paid annually for a home in 51401 is around $731 per year.

What does it cost on average per month for home insurance in 51401?

  • • Homeowners in 51401 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 51401?

  • • Autoowners in 51401 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 Carroll area, check out other zip codes nearby 51401.
Review average rates in another zip code:
51401 homeowners insurance rates

Home Replacement Cost Coverage in 51401

Average Building Cost Per Square Foot in 51401: $130

Location: Carroll, Iowa (Carroll County)

Average Square Footage in 51401: 1,218 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 51401 before you start any project. Carroll 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 51401 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 51401 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,218 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 Carroll 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$1301,218$158,300
Additional Upgrades & Added Features$1631,218$197,875
Major Home Updates or Advancements$1951,218$237,450

It's important to understand that when you estimate your replacement cost of your home in the 51401 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 51401

Best Home & Auto Insurance Agencies in 51401

Gifford- Charles E - State Farm Insurance Agent

Address: 528 N Clark St Carroll, IA 51401
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Farm Bureau Financial Services - Jim and Julie Williams

Address: 408 W 8th St Carroll, IA 51401
Phone:
Website: http://www.juliewilliams.fbfs.com/
Info:

American Family Insurance- Nielsen, Jeremy

Address: 204 W 7th St Carroll, IA 51401
Phone:
Website:
Info:

American Family Insurance - Abby Burns

Address: 306 W 6th St Carroll, IA 51401
Phone:
Website: http://www.national.citysearch.com/profile/external/604279692/carroll_ia/american_family_insurance_abby_burns.html
Info:

Nuckels- Steven B - State Farm Insurance Agent

Address: 108 W 8th St Carroll, IA 51401
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Housing Demographics for 51401

Population Review for 51401 Zip Code

For the city of Carroll, the population within 51401 has increased to over 12,344 residents in population size. The current population total is 12,248. We have broken down the population based on race below. In 51401, there are over 5942 in male population and 6306 females.

PopulationValues
Total Population12,248
White Population11309
Black Population252
Hispanic Population461
Asian Population56
Hawaiian Population0
Indian Population18
Other Population197
Male Population5942
Female Population6306
Population Estimate12344

Household Data for 51401

The average number of homes in 51401 is around 5,232, there are an average of 2.27 per household. The average house value according to local real estate values is around $158,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,232
Persons Per Household2.27
Average House Value$158,300
Income Per Household$60327
Median Age43.1
Median Age Male40.9
Median Age Female45.2
51401 DetailsValues
StateIA
State Full NameIowa
City TypeP
City Alias Abbreviation
Area Code712
CityCarroll
City Alias NameCARROLL
CountyCarroll
County FIPS027
State FIPS19
Time Zone6
Day Light SavingY
MSA
PMSA
CSA
CBSA16140
CBSA_DIV
CBSA_TypeMicro
CBSA_NameCarroll, IA
MSA_Name
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses559
Number Of Employees8259
Business First Quarter Payroll83431
Business Annual Payroll361476
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 Residential5438
Delivery Business408
Delivery Total6212
Preferred Last Line KeyW10225
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyW10225
Land Area168.577000
Water Area0.243000
City Alias Code
City Mixed CaseCarroll
City Alias Mixed CaseCarroll
Box Count162
SFDU4378
MFDU762
State ANSI19
County ANSI027
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number181422
Unique ZIP Name
SSA State County Code16130
Medicare CBSA Code99916
Medicare CBSA NameRural Areas in IA
Medicare CBSA TypeMicro
Market Rating Area ID1
County Mixed CaseCarroll

Iowa Homeowners Insurance News & Information

  • $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 […]

  • I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024

    According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]

  • How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024

    Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm.  Understanding the different coverages that are available to homeowners is key to making sure you […]