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52553 Home Insurance Quotes & Rates

Currently, the 651 homes within the 52553 zip code are being challenged with rate increases and the demand for more affordable homeowners insurance premiums. The average home insurance rate for Iowa is around $745 per year for a standard HO-3 homeowners policy. A standard homeowners policy in Eddyville, IA, insures your home from theft, fire, windstorm damage and liability accidents on your property. Flood or earthquake damage is not covered under a basic homeowners policy, we can help you review the best coverage option for your home in 52553.

Iowa is now ranking #37 in the country for the highest premiums. If you are trying to lower your premium and want to compare up to 12 Eddyville home insurance quotes all in one place then GetHomeInsuranceQuotes.com of Iowa has the online shopping service for you. Our hassle free online quoting application allows homeowners in the 52553 area to review and compare the best rates and coverage options. We can provide a free consultation process to help you decide which carrier, coverage and policy is the best fit for you and your family. We realize that protecting your most valuable investment is very important to you, that is why we want to help you increase your coverage while providing the most affordable rates available. Let us help you shop and compare your Eddyville, Iowa home insurance rates today!

Please give us a call now at 1-913-276-4017, easily get up to 12 rates over the phone in minutes. For Eddyville, IA Home Insurance Quotes, start your shopping process to today, it's easy and hassle free!

52553 Home Insurance Average Premiums

Local 52553 homeowners insurance quotes comparison

$495 /yr.

Shows Zip Code: 52553 lowest rates with discounts applied on average.

For the 52553, 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)
$495 /yr.
Average Coverage:$745 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1045 /yr.

What is the average home insurance cost for a home in 52553?

  • • The average homeowners insurance premium paid annually for a home in 52553 is around $745 per year.

What does it cost on average per month for home insurance in 52553?

  • • Homeowners in 52553 pay a monthly average cost per month around $62.00.

What kind of discount could I get if I combine my home and auto insurance together in 52553?

  • • Autoowners in 52553 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 Eddyville, check out other zip codes nearby 52553.
To review average rates in another zip code, click on a zip code below:
52553  | 

Home Replacement Cost Coverage in 52553

Average Building Cost Per Square Foot in 52553: $130

Location: Eddyville, Iowa (Wapello County)

Average Square Footage in 52553: 994 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 52553 before you start any project. Eddyville 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 52553 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 52553 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 994 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 Eddyville 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$130994$129,200
Additional Upgrades & Added Features$163994$161,500
Major Home Updates or Advancements$195994$193,800

It's important to understand that when you estimate your replacement cost of your home in the 52553 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 52553

Best Home & Auto Insurance Agencies in 52553

Housing Demographics for 52553

Population Review for 52553 Zip Code

For the city of Eddyville, the population within 52553 has increased to over 1,098 residents in population size. The current population total is 1,639. We have broken down the population based on race below. In 52553, there are over 829 in male population and 810 females.

PopulationValues
Total Population1,639
White Population1559
Black Population8
Hispanic Population30
Asian Population14
Hawaiian Population0
Indian Population1
Other Population16
Male Population829
Female Population810
Population Estimate1098

Household Data for 52553

The average number of homes in 52553 is around 651, there are an average of 2.52 per household. The average house value according to local real estate values is around $129,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode651
Persons Per Household2.52
Average House Value$129,200
Income Per Household$54844
Median Age41.8
Median Age Male42.1
Median Age Female41.6
52553 DetailsValues
StateIA
State Full NameIowa
City TypeP
City Alias Abbreviation
Area Code641
CityEddyville
City Alias NameEDDYVILLE
CountyWapello
County FIPS179
State FIPS19
Time Zone6
Day Light SavingY
MSA
PMSA
CSA
CBSA36900
CBSA_DIV
CBSA_TypeMicro
CBSA_NameOttumwa, IA
MSA_Name
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses29
Number Of Employees784
Business First Quarter Payroll14391
Business Annual Payroll71791
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population35625
CBSA Division Population0
Congressional District01|03
Congressional LandArea12048.84|8789.62
Delivery Residential436
Delivery Business15
Delivery Total741
Preferred Last Line KeyW10464
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyW10464
Land Area82.273000
Water Area0.937000
City Alias Code
City Mixed CaseEddyville
City Alias Mixed CaseEddyville
Box Count260
SFDU436
MFDU0
State ANSI19
County ANSI179
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number182763
Unique ZIP Name
SSA State County Code16890
Medicare CBSA Code99916
Medicare CBSA NameRural Areas in IA
Medicare CBSA TypeMicro
Market Rating Area ID5
County Mixed CaseWapello

Iowa Homeowners Insurance News & Information

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    According to a recent study that was reported on in the Houston Chronicle, almost half of all Texas homeowner insurance claims were closed without any payment to the homeowner. A company called Weiss Ratings was in charge of the study and they found that 47% of claims filed by Texas homeowners have been closed by […]

  • What causes North Carolina home insurance to go up? Posted on Monday 7th July, 2025

    A homeowner in North Carolina was greeted with a nasty surprise this year, a 41% increase in his insurance premium.  On average, homeowners in North Carolina saw a rate jump of 7.5% on June 1st due to a settlement reached by the North Carolina Department of Insurance but this certainly doesn’t explain a 41% increase.  Doug Corkhill is […]

  • Is the U.S. Home Buying Market Going to Drop in 2025? Posted on Friday 4th July, 2025

    A recent report from the Harvard Joint Center for Housing Studies found that U.S. homebuying has dropped to its lowest levels since the mid-1990s. The report, The State of the Nation’s Housing 2025 blames record high real estate prices combined with higher interests for the drop in home sales.  While high home prices and elevated interest rates […]