Average homeowners insurance cost in Davenport, IA

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In Davenport, homeowners pay an average annual rate of $2,312 (for the coverage level of $300,000 for dwelling, $100,000 for liability protection, and $1,000 deductible), according to Insure.com’s rate analysis. It’s $270 less than the national average of $2,582.

Homeowners insurance rates change from one home to another. The home insurance premium in Davenport depends on various factors, such as:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

To ensure you secure the best homeowners insurance policy, compare quotes from multiple insurers, enabling you to find the right coverage that aligns with your specific requirements.

Read this guide to learn how much homeowners insurance costs monthly in Davenport, what home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Davenport.

Key takeaways

The average cost of homeowners insurance in Davenport is $2,312 per year.
West Bend Mutual is the cheapest homeowners insurance company in Davenport with an average annual premium of $1,372.
If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $527 more a year for home insurance.

Average homeowners insurance cost in Davenport per month

Residents of Davenport pay an average of $193 a month for homeowners insurance, as per Insure.com’s rate analysis. It’s $27 less than the state average of $220 and $22 less than the national average for home insurance across the United States.

The cost of your homeowners insurance policy in Davenport may change based on location, property value, and selected coverage options.

Average homeowners insurance cost for a $200,000 house in Davenport

In Davenport, IA, homeowners pay an average of $1,785 annually for a $200,000 home. The annual cost of home insurance is influenced by factors such as the risk of natural disasters in your area.

Regions more susceptible to natural disasters, such as floods, hurricanes, or tornadoes, typically face higher rebuilding costs, leading to increased insurance premiums. It is important to understand that standard insurance policies might not cover damages caused by floods or hurricanes. If you live in a flood-prone area, it is advisable to purchase flood insurance.

Average homeowners insurance cost for a $300,000 house in Davenport

According to Insure.com’s rate analysis, homeowners in Davenport typically pay an average of $2,312 annually for a home insurance policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, your home insurance rates will rise by $527. It is advisable to purchase enough insurance to cover the entire cost of rebuilding your home. The required amount of dwelling coverage can vary based on factors such as the size of your home, its features, and the cost of living in your area.

Average homeowners insurance cost in Davenport by Company

Among the carriers analyzed, West Bend Mutual is the cheapest homeowners insurance company in Davenport. It’s average annual rate for Davenport homeowners is $1,372. Auto-Owners ranks second and Nationwide makes it to the third spot with an average annual home insurance rate of $1,935.

Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across Davenport and prepared a list of the cheapest home insurance providers. You can find below the Davenport home insurance companies and their average annual premium.

Home Insurance Company	Annual rate
West Bend Mutual	$1,372
Auto-Owners	$1,490
Nationwide	$1,935
State Farm	$2,077
American Family	$2,225
IMT Insurance	$2,341
Farmers	$2,780
Iowa Farm bureau	$2,935
Allstate	$2,574
USAA*	$2,350

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Davenport for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.