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52324 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 52324? There are over 901 occupied homes in the 52324 area. With a population size of 2,476, it's not uncommon for residence of Palo, IA to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Iowa is around $737 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 52324 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Palo, IA Home Insurance Rate Quotes

52324 Home Insurance Average Premiums

Local 52324 homeowners insurance quotes comparison

$487 /yr.

Shows Zip Code: 52324 lowest rates with discounts applied on average.

For the 52324, 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)		$487 /yr.
Average Coverage:$737 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1037 /yr.

What is the average home insurance cost for a home in 52324?

  • • The average homeowners insurance premium paid annually for a home in 52324 is around $737 per year.

What does it cost on average per month for home insurance in 52324?

  • • Homeowners in 52324 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 52324?

  • • Autoowners in 52324 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 Palo area, check out other zip codes nearby 52324.
Review average rates in another zip code:
52324 homeowners insurance rates

Home Replacement Cost Coverage in 52324

Average Building Cost Per Square Foot in 52324: $130

Location: Palo, Iowa (Linn County)

Average Square Footage in 52324: 1,965 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 52324 before you start any project. Palo 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 52324 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 52324 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,965 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 Palo 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$1301,965$255,400
Additional Upgrades & Added Features$1631,965$319,250
Major Home Updates or Advancements$1951,965$383,100

It's important to understand that when you estimate your replacement cost of your home in the 52324 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 52324

Best Home & Auto Insurance Agencies in 52324

Housing Demographics for 52324

Population Review for 52324 Zip Code

For the city of Palo, the population within 52324 has increased to over 2,554 residents in population size. The current population total is 2,476. We have broken down the population based on race below. In 52324, there are over 1303 in male population and 1173 females.

PopulationValues
Total Population2,476
White Population2308
Black Population33
Hispanic Population48
Asian Population16
Hawaiian Population0
Indian Population0
Other Population13
Male Population1303
Female Population1173
Population Estimate2554

Household Data for 52324

The average number of homes in 52324 is around 901, there are an average of 2.75 per household. The average house value according to local real estate values is around $255,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode901
Persons Per Household2.75
Average House Value$255,400
Income Per Household$108571
Median Age38.3
Median Age Male39.2
Median Age Female37.6
52324 DetailsValues
StateIA
State Full NameIowa
City TypeP
City Alias Abbreviation
Area Code319
CityPalo
City Alias NamePALO
CountyLinn
County FIPS113
State FIPS19
Time Zone6
Day Light SavingY
MSA1360
PMSA
CSA168
CBSA16300
CBSA_DIV
CBSA_TypeMetro
CBSA_NameCedar Rapids, IA
MSA_NameCedar Rapids, IA MSA
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses49
Number Of Employees536
Business First Quarter Payroll17381
Business Annual Payroll60487
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 District02
Congressional LandArea12261.92
Delivery Residential929
Delivery Business23
Delivery Total1048
Preferred Last Line KeyW11201
Classification Code
Multi-CountyY
CSA NameCedar Rapids-Iowa City, IA
CBSA_DIV_Name
City State KeyW11201
Land Area41.860000
Water Area1.144000
City Alias Code
City Mixed CasePalo
City Alias Mixed CasePalo
Box Count73
SFDU579
MFDU8
State ANSI19
County ANSI113
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number187029
Unique ZIP Name
SSA State County Code16560
Medicare CBSA Code16300
Medicare CBSA NameCedar Rapids, IA
Medicare CBSA TypeMetro
Market Rating Area ID6
County Mixed CaseLinn

Iowa Homeowners Insurance News & Information

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    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 […]

  • Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024

    Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies.  Here are some common exclusions that could leave you […]

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]