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Shelby County, IA Homeowners Insurance Quotes

Are you shopping for homeowners insurance for your Shelby County IA home? We can help you find the best rates and coverage options available at GetHomeInsuranceQuotes.com. We provide up to 12 comparison quotes from the most competitive top-rated home insurance companies available in Iowa. Our agents specialize in the best rates for Shelby County and have over 20+ years of experience. We are ready to help you take advantage of our free consulation so you can review the most affordable home policies available, with the best dwelling and liability coverage plans. Protecting your home from hurricanes, lightning and fires is important to every homeowner. But that's not all your homeowners policy is limited to, ask our agents what coverage is the right fit for you. We have a variety of options to choose from to make sure your home and family are safe.

Average Rates in Shelby County

Did you know the average home insurance premium for the state of Iowa is $998 a year. That's $83.17 a month in home insurance cost. Now depending on if this average premium is higher or lower than what you are currently paying, it's also smart to keep in mind who your current insurance carrier is and what type of coverage you currently have available for your home in Shelby County. We can help you save up to 40% by applying all the available discounts and credits, plus shopping your coverage with up to 12 different home insurance providers that currently have competitive rates in Shelby County IA. Simply give us a call now at 1-913-276-4017

For all Shelby County, IA residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in Shelby County? Simply enter your zip code to get your Iowa homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Shelby County, IA Housing Demographics

With 12,167 residents living within the Shelby County area there are over 5,542 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 3,374 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Shelby County.

DemographicValues
Total Occupied Households5,085
Family Households (families)3,374
Average Owner Occupied Household Size2
Average Family Size3
Total Housing Units5,542

Shelby County, IA Home Insurance Average Premiums

Local Shelby, IA homeowners insurance quotes comparison

$777 /yr.

Iowa's Average Home Insurance Rates Overall

For the state of Iowa, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 37 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$575 /yr.
Current Average Cost:$777 /yr.
Maximum Range:$998 /yr.

Iowa Homeowners Insurance News & Information

  • Florida Homeowners Advance From Citizens into Private Companies Posted on Tuesday 5th December, 2023

    Homeowners Choice Property and Casualty Insurance Co. has assumed approximately 53,750 policies from Citizens Property Insurance Corp., Florida’s state-backed insurance company, the parent company says in a Tuesday news release. Homeowners Choice is owned by HCI Group Inc., a holding company with operations in homeowners insurance, information technology services, real estate and reinsurance. Homeowners Choice […]

  • North Carolina Joint Underwriters and Wind Pool Map Explained Posted on Thursday 30th November, 2023

    North Carolina is a lovely state to call home. Our state is packed with beautiful cities, museums, restaurants and of course, some of the loveliest beaches in the country. Unfortunately, if you live in one of our amazing coastal southern cities such as Ocean Isle Beach, Holden Beach, Oak Island Beach, Calabash, Bald Head Island, […]

  • Did you know? Your Home Insurance Doesn’t Cover… Posted on Wednesday 29th November, 2023

    While homeowners insurance covers a variety of perils and protects your home and personal possessions, it does come with a number of exclusions and coverage gaps that can result in you having to cover the cost of certain damage out of pocket.  Let’s have a quick look at what your homeowners policy does and doesn’t […]

  • 2024 Homeowners Insurance Outlook Receives Negative Rating Posted on Tuesday 21st November, 2023

    The insurance news for 2024 is certainly not great. Experts expect that extreme weather and increasing costs will push up insurance costs and make insurance companies more selective when deciding where they will write policies.  Recently, credit rating agency AM Best downgraded the entire home insurance industry from stable to negative. According to Richard Attanasio, […]

  • What Is the 80/20 Rule In Homeowners Insurance? Posted on Wednesday 8th November, 2023

    If you are purchasing a home, your lender will require that you carry homeowners insurance to protect their investment in your home. Homeowners coverage will help cover the cost of repairing or replacing your home if it is damaged or destroyed by a covered peril.  Covered perils can include items such as a hurricane or […]

Discounts For Homeowners in Shelby County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your Iowa homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Shelby County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Shelby County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Shelby County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

Shelby County Housing & Real Estate Data

Details:Statistics
Total Housing Units5542
Occupied Housing Units5085
Vacant Housing Units457
Vacant Housing Units for Rent86
Vacant Housing Units Rented Not Occupied6
Vacant Housing Units For Sale80
Vacant Housing Units Sold Not Occupied29
Vacant Housing Units For Seasonal Occasional Use37
Vacant Housing Units All Other Vacants219
Housing Units Homeowner Vacancy Rate Percent2
Housing Units Rental Vacancy Rate Percent7
Housing Tenure Occupied Units5085
Housing Tenure Occupied Units Owner Occupied3948
Housing Tenure Occupied Units Owner Occupied Population9515
Housing Tenure Occupied Units Owner Occupied Averge Household Size2
Housing Tenure Occupied Units Renter Occupied1137
Housing Tenure Occupied Units Renter Occupied Population2432
Housing Tenure Occupied Units Renter Occupied Average Household Size2