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Home Insurance Quotes in 52232
Are you shopping for a cheaper homeowners insurance rate in 52232? Our rates are very competitive for homeowners living in Hartwick, IA. Many homeowners located in the 52232 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our online quoting process is free to use and our Iowa licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. If you are unsure which policy is best for you, then please contact us so we can help you understand what coverage package you need to protect your home in 52232. To get free 52232 home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 52232 zip code should appear in the zip code field ready to go. Shopping Hartwick, IA Homeowners Insurance Rates is easy, just click, complete your online quoting application for the property address located in 52232 to review the best rate coverages.
Your 52232 Home Insurance Costs Is Rated: Medium!
For the great city of Hartwick, the average home insurance premium paid annually is around $762 for a standard HO-3 homeowners policy. It's important to know that you may need additional coverage like flood or earthquake insurance to cover your home. Most basic home insurance policies do not provide enough coverage to provide the risk and protection you need. Our Iowa specific quoting application process is designed to meet the needs of the homeowner and we can provide the most competitive rates with enhanced coverage options. If you live in Hartwick and need insurance on your home in the 52232 zip code, then it is important to use our service and easily discover more affordable homeowners insurance rates.
52232 Home Insurance Average Premiums
$512 /yr.
Shows Zip Code: 52232 lowest rates with discounts applied on average.
For the 52232, 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) | $512 /yr. |
| Average Coverage: | $762 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1062 /yr. |
What is the average home insurance cost for a home in 52232?
- • The average homeowners insurance premium paid annually for a home in 52232 is around $762 per year.
What does it cost on average per month for home insurance in 52232?
- • Homeowners in 52232 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 52232?
- • Autoowners in 52232 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 Hartwick, check out other zip codes nearby 52232.
To review average rates in another zip code, click on a zip code below:
52232 |
Home Replacement Cost Coverage in 52232
Average Building Cost Per Square Foot in 52232: $130
Location: Hartwick, Iowa (Poweshiek County)Average Square Footage in 52232: 1,269 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 52232 before you start any project. Hartwick 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 52232 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 52232 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,269 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 Hartwick 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 | 1,269 | $165,000 |
| Additional Upgrades & Added Features | $163 | 1,269 | $206,250 |
| Major Home Updates or Advancements | $195 | 1,269 | $247,500 |
It's important to understand that when you estimate your replacement cost of your home in the 52232 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 52232
Best Home & Auto Insurance Agencies in 52232
Housing Demographics for 52232
Population Review for 52232 Zip Code
For the city of Hartwick, the population within 52232 has increased to over 196 residents in population size. The current population total is 181. We have broken down the population based on race below. In 52232, there are over 89 in male population and 92 females.
| Population | Values |
|---|---|
| Total Population | 181 |
| White Population | 177 |
| Black Population | 0 |
| Hispanic Population | 5 |
| Asian Population | 0 |
| Hawaiian Population | 0 |
| Indian Population | 1 |
| Other Population | 2 |
| Male Population | 89 |
| Female Population | 92 |
| Population Estimate | 196 |
Household Data for 52232
The average number of homes in 52232 is around 81, there are an average of 2.23 per household. The average house value according to local real estate values is around $165,000. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 81 |
| Persons Per Household | 2.23 |
| Average House Value | $165,000 |
| Income Per Household | $74167 |
| Median Age | 38.3 |
| Median Age Male | 40.9 |
| Median Age Female | 33.7 |
| 52232 Details | Values |
|---|---|
| State | IA |
| State Full Name | Iowa |
| City Type | N |
| City Alias Abbreviation | |
| Area Code | 319 |
| City | Hartwick |
| City Alias Name | HARTWICK |
| County | Poweshiek |
| County FIPS | 157 |
| 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 | 3 |
| Number Of Employees | 4 |
| Business First Quarter Payroll | 28 |
| Business Annual Payroll | 226 |
| 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 | 01|02 |
| Congressional LandArea | 12048.84|12261.92 |
| Delivery Residential | 88 |
| Delivery Business | 3 |
| Delivery Total | 121 |
| Preferred Last Line Key | 011926 |
| Classification Code | |
| Multi-County | Y |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | 011926 |
| Land Area | 21.275000 |
| Water Area | 0.007000 |
| City Alias Code | |
| City Mixed Case | Hartwick |
| City Alias Mixed Case | Hartwick |
| Box Count | 0 |
| SFDU | 79 |
| MFDU | 0 |
| State ANSI | 19 |
| County ANSI | 157 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | N |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 181161 |
| Unique ZIP Name | |
| SSA State County Code | 16780 |
| Medicare CBSA Code | 99916 |
| Medicare CBSA Name | Rural Areas in IA |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 1 |
| County Mixed Case | Poweshiek |
Iowa Homeowners Insurance News & Information
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Affordable Home Insurance Is Getting Very Hard to Find Posted on Tuesday 6th May, 2025
According to a recent ValuePenguin study, homeowners are having a harder time finding affordable insurance due to the property insurance crisis spreading around the country. The report found that a shocking two-thirds of homeowners have seen premium increases in 2024. Another 25% of homeowners said they were dropped by their insurance company which is a […]
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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. […]