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52323 Home Insurance Rates & Premiums

Did you know there are over 738 people living within the 52323 zip code area? There are over 336 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 52323.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-913-276-4017, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Iowa are on the rise. The estimated average premium is around $773 a year for a standard homeowners insurance policy in Oxford Junction. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Oxford Junction, IA Homeowners Insurance Quotes Online

52323 Home Insurance Average Premiums

Local 52323 homeowners insurance quotes comparison

$523 /yr.

Shows Zip Code: 52323 lowest rates with discounts applied on average.

For the 52323, 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)		$523 /yr.
Average Coverage:$773 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1073 /yr.

What is the average home insurance cost for a home in 52323?

  • • The average homeowners insurance premium paid annually for a home in 52323 is around $773 per year.

What does it cost on average per month for home insurance in 52323?

  • • Homeowners in 52323 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 52323?

  • • Autoowners in 52323 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 Oxford Junction area, check out other zip codes nearby 52323.
Review average rates in another zip code:
52323 homeowners insurance rates

Home Replacement Cost Coverage in 52323

Average Building Cost Per Square Foot in 52323: $130

Location: Oxford Junction, Iowa (Jones County)

Average Square Footage in 52323: 736 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 52323 before you start any project. Oxford Junction 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 52323 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 52323 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 736 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 Oxford Junction 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$130736$95,700
Additional Upgrades & Added Features$163736$119,625
Major Home Updates or Advancements$195736$143,550

It's important to understand that when you estimate your replacement cost of your home in the 52323 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 52323

Best Home & Auto Insurance Agencies in 52323

Farm Bureau Financial Services - Walt Laetare

Address: 127 Broadway St Oxford Junction, IA 52323
Phone:
Website: http://www.walterlaetare.fbfs.com/
Info:

Housing Demographics for 52323

Population Review for 52323 Zip Code

For the city of Oxford Junction, the population within 52323 has increased to over 519 residents in population size. The current population total is 738. We have broken down the population based on race below. In 52323, there are over 393 in male population and 345 females.

PopulationValues
Total Population738
White Population708
Black Population0
Hispanic Population9
Asian Population0
Hawaiian Population0
Indian Population5
Other Population3
Male Population393
Female Population345
Population Estimate519

Household Data for 52323

The average number of homes in 52323 is around 336, there are an average of 2.20 per household. The average house value according to local real estate values is around $95,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode336
Persons Per Household2.20
Average House Value$95,700
Income Per Household$51477
Median Age48.2
Median Age Male48.9
Median Age Female47.2
52323 DetailsValues
StateIA
State Full NameIowa
City TypeP
City Alias AbbreviationOXFORD JCT
Area Code563
CityOxford Junction
City Alias NameOXFORD JUNCTION
CountyJones
County FIPS105
State FIPS19
Time Zone6
Day Light SavingY
MSA
PMSA
CSA168
CBSA16300
CBSA_DIV
CBSA_TypeMetro
CBSA_NameCedar Rapids, IA
MSA_Name
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses9
Number Of Employees16
Business First Quarter Payroll143
Business Annual Payroll588
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population257940
CBSA Division Population0
Congressional District01
Congressional LandArea12048.84
Delivery Residential236
Delivery Business0
Delivery Total399
Preferred Last Line KeyW11191
Classification Code
Multi-CountyY
CSA NameCedar Rapids-Iowa City, IA
CBSA_DIV_Name
City State KeyW11191
Land Area47.255000
Water Area0.127000
City Alias Code
City Mixed CaseOxford Junction
City Alias Mixed CaseOxford Junction
Box Count119
SFDU236
MFDU0
State ANSI19
County ANSI105
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number186984
Unique ZIP Name
SSA State County Code16520
Medicare CBSA Code16300
Medicare CBSA NameCedar Rapids, IA
Medicare CBSA TypeMetro
Market Rating Area ID6
County Mixed CaseJones

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