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Home Insurance in 52404

One of the best ways to save money on your homeowners insurance policy in the 52404 zip code is to shop your coverage on a regular basis. If your premium has been headed up in the last few years, we can help you find a great policy from the comfort of your own living room.

GetHomeInsuranceQuotes.com is the easiest way to shop for competitive homeowners insurance rates in in Cedar Rapids, IA. A few clicks of the mouse and we will show you quotes from up to 12 nationwide carriers who are happy to compete for your business.

As always, our service is free and our Iowa licensed agents can advise you on the coverages you need as well as the coverage levels you should be carrying to fully protect your property and possessions. They will also be happy to answer any questions you may have and explain the details of your homeowners insurance coverage.

Getting started is easy, simply click on the "Get Multiple Quotes Now" button at the top of the page, verify your 52404 zip code and you are ready to start saving on home insurance.

Quickly Compare Rate Quotes for 52404

Find Cedar Rapids, IA Homeowners Insurance Quotes to review the best coverage options in your area.

Information on the Average Homeowners Premiums in 52404

According to industry data, homeowners located in Cedar Rapids pay roughly $720 per year for a HO-3 homeowners policy. A HO-3 policy is considered the standard when it comes to homeowners insurance. It offers protection for your home, possessions, loss of use as well as liability protection. If you have a mortgage on your property, your lender will require an HO-3 policy is in place to protect their loan.

Remember, an HO-3 policy does not offer coverage for flood damage in 52404 zip code. If you live in a high-risk area for flood damage, your lender will most likely require that you carry a separate flood insurance policy. Our agents can help you determine if you need flood insurance coverage and help you find a policy that fully protects your property.

A recent ranking of Iowa home insurance premiums found that premiums in 52404 are 37 when compared to other state averages. Shopping your coverage on a regular basis is the best way to ensure you are getting the best price on a homeowners policy.

Start Shopping 52404 Home Insurance Quotes Right Now!

The best part of our job is helping homeowners save money on their homeowners insurance while also educating our clients on the different types of coverage available to them in 52404.

Let us find you a great policy at an affordable price, get 52404 homeowners insurance quotes now.

52404 Home Insurance Average Premiums

Local 52404 homeowners insurance quotes comparison

$470 /yr.

Shows Zip Code: 52404 lowest rates with discounts applied on average.

For the 52404, 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)
$470 /yr.
Average Coverage:$720 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1020 /yr.

What is the average home insurance cost for a home in 52404?

  • • The average homeowners insurance premium paid annually for a home in 52404 is around $720 per year.

What does it cost on average per month for home insurance in 52404?

  • • Homeowners in 52404 pay a monthly average cost per month around $60.00.

What kind of discount could I get if I combine my home and auto insurance together in 52404?

  • • Autoowners in 52404 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 Cedar Rapids area, check out other zip codes nearby 52404.
Review average rates in another zip code:
52403 homeowners insurance rates
52404 homeowners insurance rates
52405 homeowners insurance rates
52411 homeowners insurance rates
52402 homeowners insurance rates
52401 homeowners insurance rates

Home Replacement Cost Coverage in 52404

Average Building Cost Per Square Foot in 52404: $130

Location: Cedar Rapids, Iowa (Linn County)

Average Square Footage in 52404: 1,067 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 52404 before you start any project. Cedar Rapids 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 52404 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 52404 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,067 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 Cedar Rapids 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$1301,067$138,700
Additional Upgrades & Added Features$1631,067$173,375
Major Home Updates or Advancements$1951,067$208,050

It's important to understand that when you estimate your replacement cost of your home in the 52404 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 52404

Best Home & Auto Insurance Agencies in 52404

Johnson- Chad C - State Farm Insurance Agent

Address: 2742 Edgewood Rd SW Cedar Rapids, IA 52404
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

Allstate Insurance Co

Address: 3135 Wiley Blvd SW Cedar Rapids, IA 52404
Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
Allstate auto insurance quotes and anonymous ballpark estimates to help protect you, your family and your automobile. Insurance and financial products include car insurance, home insurance, business insurance, life insurance, IRAs and annuities. car insurance, auto insurance quote, vehicle insurance, free online insurance quotes, rate quote, life insurance, annuities, mutual funds, IRAs, allstate insurance agent, allstate.com

Valentine- Douglas V - State Farm Insurance Agent

Address: 240 Wiley Blvd SW Cedar Rapids, IA 52404
Phone:
Website: http://www.dougvalentine.com
Info:

Housing Demographics for 52404

Population Review for 52404 Zip Code

For the city of Cedar Rapids, the population within 52404 has increased to over 45,605 residents in population size. The current population total is 43,385. We have broken down the population based on race below. In 52404, there are over 21415 in male population and 21970 females.

PopulationValues
Total Population43,385
White Population32173
Black Population6115
Hispanic Population2417
Asian Population719
Hawaiian Population303
Indian Population133
Other Population976
Male Population21415
Female Population21970
Population Estimate45605

Household Data for 52404

The average number of homes in 52404 is around 18,201, there are an average of 2.33 per household. The average house value according to local real estate values is around $138,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode18,201
Persons Per Household2.33
Average House Value$138,700
Income Per Household$59041
Median Age34.3
Median Age Male33.6
Median Age Female34.9
52404 DetailsValues
StateIA
State Full NameIowa
City TypeP
City Alias Abbreviation
Area Code319
CityCedar Rapids
City Alias NameCEDAR RAPIDS
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 Businesses1231
Number Of Employees30881
Business First Quarter Payroll346829
Business Annual Payroll1495943
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|02
Congressional LandArea12048.84|12261.92
Delivery Residential19573
Delivery Business1384
Delivery Total20886
Preferred Last Line KeyW10240
Classification Code
Multi-CountyY
CSA NameCedar Rapids-Iowa City, IA
CBSA_DIV_Name
City State KeyW10240
Land Area56.643000
Water Area0.295000
City Alias Code
City Mixed CaseCedar Rapids
City Alias Mixed CaseCedar Rapids
Box Count0
SFDU11548
MFDU4889
State ANSI19
County ANSI113
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number181503
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 […]