IowaHomeowners Insurance

Find the Best Homeowners Insurance Rates & Companies in Iowa

The average cost of homeowners insurance in Iowa currently is $1,318 per year, or about $110 per month. Having the right homeowners insurance can help protect your home against many types of disasters, including windstorm damage, vandalism, fires, and more. Without Iowa homeowners insurance, you could end up having to pay for repairs to your home out of your own pocket.

Fortunately, an Iowa independent insurance agent can help you find the right kind of homeowners insurance. They'll get you matched to the policy that includes every type of coverage you need. But up first, here's an overview of Iowa homeowners insurance. 

Best Homeowners Insurance Companies in Iowa

Homeowners insurance in Iowa is available from many insurance companies. However, when you're ready to get the coverage you need, you want only the best quality and cost. That's why we've put together this list of a few of the best home insurance companies in Iowa for you. Start by checking into these top-rated carriers.

• Allstate: A home insurance policy in Iowa from Allstate averages just $1,173 per year or about $98 per month. Not only does Allstate make home insurance affordable, but it is also a highly user-friendly carrier, with a smartphone app and online account management for policyholders. Allstate also provides a lot of resources for Iowa homeowners, such as a tool that offers information about your area's most common home insurance claims.
• Travelers: A home insurance policy in Iowa from Travelers averages $1,361 per year or about $113 per month. Travelers may not have the lowest-priced coverage around, but it does offer a generous number of discounts to help reduce your rates. One unique discount offered by Travelers is the "green home endorsement," which offers extra protection for homeowners who want to rebuild their properties to achieve better environmental standards after suffering from a covered loss.
• American Family: A home insurance policy in Iowa from American Family averages just $938 per year or about $78 per month. AmFam actually offers the cheapest coverage for homeowners in Iowa who need $250,000 of dwelling or structural coverage in their policies, nearly $400 cheaper than the overall state average for this amount of protection. AmFam also offers a number of different endorsements and discounts on its home insurance.

An Iowa independent insurance agent can help you find the right home insurance from one of these top-rated carriers.

What Homeowners Insurance in Iowa Can Cover

Iowa homeowners insurance can cover a number of different threats to property and its inhabitants, including damage and destruction caused by various natural disasters. In Iowa, the most common natural disasters are tornadoes, severe thunderstorms, floods, snowstorms, and fires. Depending on the type of natural disasters that impact your area, a basic home insurance policy might not be sufficient to provide coverage for repairs.

Tornadoes

Iowa home insurance includes protection from windstorms, including tornadoes. Home insurance is often required by mortgage lenders, and this coverage is built into standard policies. If your home gets damaged or destroyed by a tornado, your Iowa home insurance can reimburse you for repair or replacement of your home's structure and your personal property up to your policy's limits.

Severe Thunderstorms

Iowa home insurance includes protection from lightning strikes and resulting fires, as well as wind damage that comes from severe thunderstorms. Home insurance is often required by mortgage lenders, and these thunderstorm protections are built into standard policies. If your home gets damaged or destroyed by a severe thunderstorm, your Iowa home insurance can reimburse you for repair or replacement of your home's structure and your personal property up to your policy's limits, as long as the damage was not caused by flooding from rain.

Snowstorms

Iowa home insurance includes protection against damage caused by snowstorms in a couple of ways. Coverage can reimburse you for damage or destruction due to incidents of roof collapses under the weight of snow and ice. It can also pay for damage or destruction caused by strong winds during these storms. Home insurance is often required by mortgage lenders, and these snowstorm protections are built into standard policies.

Fires

One of the main perils covered by Iowa home insurance is fire. Standard Iowa home insurance policies provide protection against damage or destruction to your home and personal property due to many different kinds of fires, including wildfires. If your personal property or dwelling get damaged by a fire, your home insurance can help pay to rebuild or replace it, up to your policy's limits. Home insurance is often required by mortgage lenders, and fire protection is built into standard policies.

What Homeowners Insurance in Iowa Won't Cover

There are certain natural disasters that aren't covered by home insurance in Iowa. Natural flooding disasters, such as tsunamis, hurricanes, heavy rainfall, and backed-up sewers or rivers, are not covered by Iowa home insurance. You may need to add some coverages to your policy to provide protection for your home against these incidents. Home insurance also does not cover earthquakes, so Iowa homeowners may want to get a separate earthquake insurance policy to protect their homes if they're concerned about the risk.

Flood Damage in Iowa

Since Iowa is prone to various disasters that can cause flooding, such as snowstorms and severe thunderstorms, homeowners in the state may want to purchase flood insurance. This is the only type of coverage that can protect your home against damage and destruction caused by natural sources of flooding. Flood insurance can pay to repair or rebuild your home and replace your personal property after a flood disaster.

Homeowners may also want to purchase sewer backup endorsements if they're concerned about sump pump failures or cracks or breaks in the sewer line that may cause another kind of flooding in the home. Standard home insurance policies in Iowa do not include this coverage unless it's added.

Average Cost of Homeowners Insurance in Iowa

Currently, the average cost of home insurance in the US is $1,428 per year. The average cost of home insurance in Iowa is only $1,318 annually, meaning homeowners can save a bit of money compared to most of the country's residents. Rates for home insurance in Iowa specifically may be lower than in many other areas of the nation due to factors like property values, lower crime rates, lower risk of various natural disasters, and more.

Average Iowa Home Insurance Costs by City

The average cost of home insurance in Iowa actually varies by city, as well. The best and cheapest home insurance in Iowa is in the town of Bettendorf, which averages just $1,352 annually. Bettendorf's home insurance rates are about $76 less than the average rate of all other Iowa cities. Here are some of Iowa's cities that have the most affordable home insurance.

How well do Iowa's cities measure up to the national average?

National average burglary rate 3.76 per 1,000 people

National average home value $269,000

National average home insurance cost $1,428 year

City	Annual insurance cost
Bettendorf	$1,352
Davenport	$1,364
Dubuque	$1,373
Clinton	$1,382
Marion	$1,388

Home Insurance in Iowa FAQs