Get multiple home insurance quotes in 52359. Our licensed 52359, IA agents are ready to serve you.

52359 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 52359? There are over 112 occupied homes in the 52359 area. With a population size of 270, it's not uncommon for residence of West Chester, 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 $788 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 52359 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: West Chester, IA Home Insurance Rate Quotes

52359 Home Insurance Average Premiums

Local 52359 homeowners insurance quotes comparison

$538 /yr.

Shows Zip Code: 52359 lowest rates with discounts applied on average.

For the 52359, 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)		$538 /yr.
Average Coverage:$788 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1088 /yr.

What is the average home insurance cost for a home in 52359?

  • • The average homeowners insurance premium paid annually for a home in 52359 is around $788 per year.

What does it cost on average per month for home insurance in 52359?

  • • Homeowners in 52359 pay a monthly average cost per month around $66.00.

What kind of discount could I get if I combine my home and auto insurance together in 52359?

  • • Autoowners in 52359 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 West Chester area, check out other zip codes nearby 52359.
Review average rates in another zip code:
52359 homeowners insurance rates

Home Replacement Cost Coverage in 52359

Average Building Cost Per Square Foot in 52359: $130

Location: West Chester, Iowa (Washington County)

Average Square Footage in 52359: 1,314 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 52359 before you start any project. West Chester 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 52359 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 52359 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,314 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 West Chester 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$1301,314$170,800
Additional Upgrades & Added Features$1631,314$213,500
Major Home Updates or Advancements$1951,314$256,200

It's important to understand that when you estimate your replacement cost of your home in the 52359 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 52359

Best Home & Auto Insurance Agencies in 52359

Housing Demographics for 52359

Population Review for 52359 Zip Code

For the city of West Chester, the population within 52359 has increased to over 269 residents in population size. The current population total is 270. We have broken down the population based on race below. In 52359, there are over 118 in male population and 152 females.

PopulationValues
Total Population270
White Population252
Black Population0
Hispanic Population5
Asian Population0
Hawaiian Population0
Indian Population1
Other Population1
Male Population118
Female Population152
Population Estimate269

Household Data for 52359

The average number of homes in 52359 is around 112, there are an average of 2.41 per household. The average house value according to local real estate values is around $170,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode112
Persons Per Household2.41
Average House Value$170,800
Income Per Household$64583
Median Age48.2
Median Age Male50.5
Median Age Female48.0
52359 DetailsValues
StateIA
State Full NameIowa
City TypeN
City Alias Abbreviation
Area Code319
CityWest Chester
City Alias NameWEST CHESTER
CountyWashington
County FIPS183
State FIPS19
Time Zone6
Day Light SavingY
MSA
PMSA
CSA168
CBSA26980
CBSA_DIV
CBSA_TypeMetro
CBSA_NameIowa City, IA
MSA_Name
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses3
Number Of Employees7
Business First Quarter Payroll54
Business Annual Payroll244
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population152586
CBSA Division Population0
Congressional District01
Congressional LandArea12048.84
Delivery Residential112
Delivery Business11
Delivery Total609
Preferred Last Line Key014635
Classification Code
Multi-County
CSA NameCedar Rapids-Iowa City, IA
CBSA_DIV_Name
City State Key014635
Land Area13.804000
Water Area0.000000
City Alias Code
City Mixed CaseWest Chester
City Alias Mixed CaseWest Chester
Box Count0
SFDU73
MFDU0
State ANSI19
County ANSI183
ZIP Intro
Alias Intro
Facility CodeN
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number184635
Unique ZIP Name
SSA State County Code16910
Medicare CBSA Code26980
Medicare CBSA NameIowa City, IA
Medicare CBSA TypeMetro
Market Rating Area ID5
County Mixed CaseWashington

Iowa Homeowners Insurance News & Information

  • 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 […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $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 […]