Hines & Associates
2728 Asbury Rd, # 205, Dubuque, IA 52001
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Dubuque households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
2728 Asbury Rd, # 205, Dubuque, IA 52001
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815 Century Dr, Ste 3, Dubuque, IA 52002
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3250 Kennedy Circle Suite, #1, Dubuque, IA 52002
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137 Main St, Dubuque, IA 52001
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210 Jones St, Dubuque, IA 52001
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Learn about insurance coverage options specific to Dubuque residents.
Everything Dubuque residents need to know about auto, home, and flood insurance. Learn Iowa's requirements, Mississippi River risks, and how to save money.
Home InsuranceDubuque homeowners pay $2,266/year for insurance—Iowa's lowest rates. Learn about Mississippi River flood risks, Victorian home coverage, and bluff terrain.
Car InsuranceDubuque auto insurance costs $113/month on average. Learn about Iowa's 20/40/15 minimums, at-fault system, and how to get adequate coverage.
It depends on your flood zone, but it's worth considering even if you're not required to have it. Flooding can come from heavy rainfall overwhelming storm sewers, not just river overflow. About 25% of flood claims come from moderate-to-low risk areas. Check your property's flood zone designation on the City of Dubuque's website and talk to your agent about the cost versus risk.
The average driver in Iowa pays around $1,200-$1,600 per year for full coverage auto insurance, though your actual rate depends on your age, driving record, vehicle type, and coverage limits. Minimum liability coverage costs less, typically $400-$600 annually, but offers much less protection. Shop around with local agents to find the best rate for your situation.
Standard homeowners insurance typically covers damage from wind, hail, and the weight of snow and ice on your roof. It also covers burst pipes if they freeze and break. However, it won't cover flood damage from snowmelt or damage that occurs because you failed to maintain your home properly. Make sure your policy includes ice dam coverage if you have an older home.
Local agents understand Dubuque-specific risks like Mississippi River flooding and can tailor coverage to your needs. They're also there to help when you file a claim. Online insurers often offer lower prices but less personalized service. The best approach is to get quotes from both and compare not just price but also coverage quality and the level of support you'll receive.
Common discounts include bundling auto and home insurance (15-25% off), good driver discounts for clean driving records, home security system discounts, multi-vehicle discounts, and good student discounts for young drivers. Some insurers also offer discounts for paying your premium in full, going paperless, or being claims-free for several years. Ask your agent about all available discounts.
Your dwelling coverage should be enough to completely rebuild your home at today's construction costs, not just what you paid for it. This is especially important for older homes in Dubuque's historic districts. Ask your agent to calculate replacement cost based on current construction prices, and review your coverage annually since building costs have increased significantly in recent years.
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