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52031 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 52031 zip code it's important to know that our rates are very competitive for homeowners living in Bellevue, IA. Many homeowners based out of your 52031 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 52031 should appear in the zip code field ready to go. For Bellevue, IA Homeowners Insurance Quotes nearby, we offer the best rates and service.

52031: Average Home Insurance Rates

For homeowners living in the great city of Bellevue, the average homeowners policy is considered medium in comparison to other states. Iowa premiums are estimated to be around $775 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.

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52031 Home Insurance Average Premiums

Local 52031 homeowners insurance quotes comparison

$525 /yr.

Shows Zip Code: 52031 lowest rates with discounts applied on average.

For the 52031, 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)		$525 /yr.
Average Coverage:$775 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1075 /yr.

What is the average home insurance cost for a home in 52031?

  • • The average homeowners insurance premium paid annually for a home in 52031 is around $775 per year.

What does it cost on average per month for home insurance in 52031?

  • • Homeowners in 52031 pay a monthly average cost per month around $65.00.

What kind of discount could I get if I combine my home and auto insurance together in 52031?

  • • Autoowners in 52031 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 Bellevue area, check out other zip codes nearby 52031.
Review average rates in another zip code:
52031 homeowners insurance rates

Home Replacement Cost Coverage in 52031

Average Building Cost Per Square Foot in 52031: $130

Location: Bellevue, Iowa (Jackson County)

Average Square Footage in 52031: 1,475 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 52031 before you start any project. Bellevue 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 52031 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 52031 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,475 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 Bellevue 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$1301,475$191,800
Additional Upgrades & Added Features$1631,475$239,750
Major Home Updates or Advancements$1951,475$287,700

It's important to understand that when you estimate your replacement cost of your home in the 52031 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 52031

Best Home & Auto Insurance Agencies in 52031

Housing Demographics for 52031

Population Review for 52031 Zip Code

For the city of Bellevue, the population within 52031 has increased to over 5,314 residents in population size. The current population total is 5,143. We have broken down the population based on race below. In 52031, there are over 2589 in male population and 2554 females.

PopulationValues
Total Population5,143
White Population4985
Black Population19
Hispanic Population48
Asian Population9
Hawaiian Population0
Indian Population6
Other Population11
Male Population2589
Female Population2554
Population Estimate5314

Household Data for 52031

The average number of homes in 52031 is around 2,107, there are an average of 2.41 per household. The average house value according to local real estate values is around $191,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,107
Persons Per Household2.41
Average House Value$191,800
Income Per Household$72762
Median Age44.9
Median Age Male44.5
Median Age Female45.4
52031 DetailsValues
StateIA
State Full NameIowa
City TypeP
City Alias Abbreviation
Area Code563
CityBellevue
City Alias NameBELLEVUE
CountyJackson
County FIPS097
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 Businesses129
Number Of Employees844
Business First Quarter Payroll7472
Business Annual Payroll38338
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 District01|02
Congressional LandArea12048.84|12261.92
Delivery Residential2205
Delivery Business122
Delivery Total2387
Preferred Last Line KeyW10113
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyW10113
Land Area166.688000
Water Area5.166000
City Alias Code
City Mixed CaseBellevue
City Alias Mixed CaseBellevue
Box Count39
SFDU2097
MFDU46
State ANSI19
County ANSI097
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number180774
Unique ZIP Name
SSA State County Code16480
Medicare CBSA Code99916
Medicare CBSA NameRural Areas in IA
Medicare CBSA TypeMicro
Market Rating Area ID6
County Mixed CaseJackson

Iowa Homeowners Insurance News & Information

  • 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 […]

  • Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025

    Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]