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Find the lowest Homeowners Insurance Rates in 51528
There are a number of ways to save money on your homeowners insurance rates. Discounts, bundling, upgrading your security system or replacing your roof with wind resistance materials are all great ways to lower your premium but the number one recommended way to save is to shop your coverage on a regular basis.
If you are shopping for coverage in 51528, do yourself a favor and get a rate quote from GetHomeInsuranceQuotes.com. We will provide you with up to 12 quotes for homeowners coverage in Dow City, IA from a list of top tier nationwide insurers.
Our Iowa licensed agents will review the quotes with you and provide advice on coverage types and coverage levels that will work best for you and your family.
It’s easy to get started. Just click the "Get Multiple Quotes Now" button below and your 51528 will appear in the zip code field and you are ready to go.
It’s Time to Compare Rate Quotes for 51528
You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Dow City, IA home insurance quotes in your local city and review the most competitive coverages and premiums.
51528 Ratings: medium!
Saving up to 40 percent on your homeowner insurance premium has never been easier. We will do all of the legwork for you and present you with the best policy options to help protect your home.
In addition to gathering the best quotes from 12 major insurance companies in Dow City we will also share what average rates are in your area so we can compare savings and coverage options. Reviewing what home insurance cost will help you determine if your current insurance premium is on the high side or if you are already getting a bargain. For example, in 51528, homeowners are seeing rates around 736 on average per year.
Let us help you compare home insurance rates right now. Get started shopping for new policy in 51528!
51528 Home Insurance Average Premiums
$486 /yr.
Shows Zip Code: 51528 lowest rates with discounts applied on average.
For the 51528, 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) | $486 /yr. |
| Average Coverage: | $736 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1036 /yr. |
What is the average home insurance cost for a home in 51528?
- • The average homeowners insurance premium paid annually for a home in 51528 is around $736 per year.
What does it cost on average per month for home insurance in 51528?
- • Homeowners in 51528 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 51528?
- • Autoowners in 51528 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.
You can easily shop and compare home insurance rates within Dow City, check out other zip codes nearby 51528.
To review average rates in another zip code, click on a zip code below:
51528 |
Home Replacement Cost Coverage in 51528
Average Building Cost Per Square Foot in 51528: $130
Location: Dow City, Iowa (Crawford County)Average Square Footage in 51528: 654 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 51528 before you start any project. Dow City 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 51528 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 51528 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 654 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 Dow City 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $130 | 654 | $85,000 |
| Additional Upgrades & Added Features | $163 | 654 | $106,250 |
| Major Home Updates or Advancements | $195 | 654 | $127,500 |
It's important to understand that when you estimate your replacement cost of your home in the 51528 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 51528
Best Home & Auto Insurance Agencies in 51528
Housing Demographics for 51528
Population Review for 51528 Zip Code
For the city of Dow City, the population within 51528 has increased to over 445 residents in population size. The current population total is 829. We have broken down the population based on race below. In 51528, there are over 450 in male population and 379 females.
| Population | Values |
|---|---|
| Total Population | 829 |
| White Population | 758 |
| Black Population | 1 |
| Hispanic Population | 73 |
| Asian Population | 0 |
| Hawaiian Population | 0 |
| Indian Population | 2 |
| Other Population | 19 |
| Male Population | 450 |
| Female Population | 379 |
| Population Estimate | 445 |
Household Data for 51528
The average number of homes in 51528 is around 359, there are an average of 2.31 per household. The average house value according to local real estate values is around $85,000. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 359 |
| Persons Per Household | 2.31 |
| Average House Value | $85,000 |
| Income Per Household | $56500 |
| Median Age | 44.4 |
| Median Age Male | 43.8 |
| Median Age Female | 44.9 |
| 51528 Details | Values |
|---|---|
| State | IA |
| State Full Name | Iowa |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 712 |
| City | Dow City |
| City Alias Name | DOW CITY |
| County | Crawford |
| County FIPS | 047 |
| State FIPS | 19 |
| Time Zone | 6 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | |
| CBSA_DIV | |
| CBSA_Type | |
| CBSA_Name | |
| MSA_Name | |
| PMSA_Name | |
| Region | Midwest |
| Division | West North Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 15 |
| Number Of Employees | 59 |
| Business First Quarter Payroll | 410 |
| Business Annual Payroll | 1942 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 0 |
| CBSA Division Population | 0 |
| Congressional District | 04 |
| Congressional LandArea | 22756.75 |
| Delivery Residential | 193 |
| Delivery Business | 4 |
| Delivery Total | 409 |
| Preferred Last Line Key | W10424 |
| Classification Code | |
| Multi-County | Y |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | W10424 |
| Land Area | 71.125000 |
| Water Area | 0.201000 |
| City Alias Code | |
| City Mixed Case | Dow City |
| City Alias Mixed Case | Dow City |
| Box Count | 192 |
| SFDU | 193 |
| MFDU | 0 |
| State ANSI | 19 |
| County ANSI | 047 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 182574 |
| Unique ZIP Name | |
| SSA State County Code | 16230 |
| Medicare CBSA Code | 99916 |
| Medicare CBSA Name | Rural Areas in IA |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 3 |
| County Mixed Case | Crawford |
Iowa Homeowners Insurance News & Information
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Which state pays the highest home insurance premiums in 2025? Posted on Thursday 24th April, 2025
Recently, Insurify released its third annual American Homeowner Insurance report which offers a detailed forecast of insurance trends in the U.S. for 2025. States that have a high risk of wildfires and severe weather will see the largest increases in homeowners insurance premiums. According to the report, Louisiana will see the largest premium increases with […]
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Top 10 States That Have the Highest Rates of Uninsured Homes Posted on Tuesday 22nd April, 2025
As recent headlines have made clear, climate change has led to more frequent extreme weather events which has led to a rise in homeowner insurance claims. As insurers deal with an increased number of claims, they pass those additional costs onto homeowners via higher premiums, regardless of whether you have filed a claim or not. […]
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2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025
Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance. We thought it might be a good idea to look at some spring cleaning and maintenance […]