Benefits Inc
308 College Dr, Ste 9, Decorah, IA 52101
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308 College Dr, Ste 9, Decorah, IA 52101
View this agency's profile to learn more about their services.
126 College Dr, Decorah, IA 52101
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Decorah residents.
Complete insurance guide for Decorah, IA. Learn about flood risks in the Driftless Area, Iowa's 20/40/15 auto minimums, and affordable home insurance rates.
Car InsuranceComplete guide to auto insurance in Decorah, IA. Learn about Iowa's 20/40/15 requirements, rates averaging $93/month, and coverage for Driftless Area driving.
If you live near the Upper Iowa River or in a FEMA-designated flood zone, flood insurance is highly recommended and may be required by your mortgage lender. Decorah has experienced significant flooding in 2025, 2016, 2013, 2010, 2009, and 2007. Standard homeowners insurance doesn't cover flood damage, so you'll need a separate policy through the National Flood Insurance Program. Even properties outside high-risk zones should consider coverage, as about 25% of flood claims come from moderate-to-low-risk areas.
Iowa requires 20/40/15 liability coverage: $20,000 per person for bodily injury, $40,000 per accident for multiple injuries, and $15,000 for property damage. However, these minimums are among the lowest in the nation and may not provide adequate protection in a serious accident. Most insurance experts recommend higher limits, especially given Decorah's rural highway driving conditions and severe winter weather.
Home insurance in Decorah's 52001 ZIP code averages around $2,266 annually, making it one of the most affordable areas in Iowa. This is below the state average of $2,381 per year. Your actual rate will depend on your home's value, age, construction materials, coverage limits, deductible, and claims history. Companies like West Bend Insurance and Auto-Owners typically offer the most competitive rates in Iowa.
Yes, renters insurance is essential for students living off-campus. Policies typically cost $15-25 per month and cover personal belongings, liability protection, and additional living expenses if your rental becomes uninhabitable. Students living on-campus may be covered under their parents' homeowners policy, but this should be verified with your insurance company. Off-campus students almost always need their own policy.
Restaurants and breweries in Decorah need several coverage types: general liability insurance, commercial property insurance (accounting for flood risk if downtown), liquor liability coverage if you serve alcohol, workers' compensation insurance if you have employees, and potentially business interruption insurance. A Business Owner's Policy (BOP) can bundle general liability and property coverage at a lower cost than purchasing them separately.
An umbrella policy provides an extra layer of liability protection above your auto and home insurance limits, typically starting at $1 million in coverage. This is particularly valuable if you own rental properties, operate a business with public exposure, or have significant assets to protect. Umbrella policies are affordable—often $150-300 annually for $1 million in coverage—and protect you from catastrophic financial loss in worst-case liability scenarios.
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