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The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you. Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Best homeowners insurance in Iowa of 2022
Elizabeth Rivelli is a contributing insurance writer for Bankrate and has years of experience writing for insurance domains such as The Simple Dollar, Coverage.com and NextAdvisor, among others Rebekah Personius is an insurance editor for Bankrate. She coordinates the creation of educational insurance content that helps people make informed insurance decisions. Rebekah has worked in the insurance space for over a year with homeowners dealing with claim resolution after large scale losses in widely affected areas. Although her expertise is primarily centered around Property & Casualty claims, she has worked with compliance and industry experts on auto, life, home and renters insurance content since January 2020. In her down time, Rebekah enjoys staying active, learning about investing, and studying everything related to psychology. She is also currently working to finish her bachelor’s degree in Business Management through Western Governors University. Updated Nov 07, 2022 Find your perfect provider
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Collapse Caret Up When shopping for the best in Iowa, it may help to look at factors such as customer service, range of coverage and potential add-ons (endorsements) that allow you to customize your coverage to best suit your needs. Price is also an important factor, but keep in mind that every homeowner pays a slightly different rate for coverage. Collapse On This Page
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Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We've maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next. Bankrate follows a strict , so you can trust that we're putting your interests first. All of our content is authored by and edited by , who ensure everything we publish is objective, accurate and trustworthy. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most - price, customer service, policy features and savings opportunities - so you can feel confident about which provider is right for you. We guide you throughout your search and help you understand your coverage options. We provide up-to-date, reliable market information to help you make confident decisions. We reduce industry jargon so you get the clearest form of information possible. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we're putting accuracy first. On This Page
Iowa's homeownership rate is slightly higher than average. Although Iowa does not experience many natural disasters, having home insurance can help protect your home against common losses. Bankrate's 2021 study of quoted annual premiums found that the average Iowa homeowners insurance policy costs $1,289 a year for $250,000 in dwelling coverage. When shopping for the best in Iowa, it may help to look at factors such as customer service, range of coverage and potential add-ons (endorsements) that allow you to customize your coverage to best suit your needs. Price is also an important factor, but keep in mind that every homeowner pays a slightly different rate for coverage. See more This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare home insurance rates
Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More Mortgage Leaving so soon Your custom quotes are just minutes away
Return to form Iowa's homeownership rate is slightly higher than average. Although Iowa does not experience many natural disasters, having home insurance can help protect your home against common losses. Bankrate's 2021 study of quoted annual premiums found that the average Iowa homeowners insurance policy costs $1,289 a year for $250,000 in dwelling coverage. When shopping for the best in Iowa, it may help to look at factors such as customer service, range of coverage and potential add-ons (endorsements) that allow you to customize your coverage to best suit your needs. Price is also an important factor, but keep in mind that every homeowner pays a slightly different rate for coverage. See more This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare home insurance rates
Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More Mortgage Leaving so soon Your custom quotes are just minutes away
Return to form Iowa's homeownership rate is slightly higher than average. Although Iowa does not experience many natural disasters, having home insurance can help protect your home against common losses. Bankrate's 2021 study of quoted annual premiums found that the average Iowa homeowners insurance policy costs $1,289 a year for $250,000 in dwelling coverage. When shopping for the best in Iowa, it may help to look at factors such as customer service, range of coverage and potential add-ons (endorsements) that allow you to customize your coverage to best suit your needs. Price is also an important factor, but keep in mind that every homeowner pays a slightly different rate for coverage. See more This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare home insurance rates
Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More Mortgage Leaving so soon Your custom quotes are just minutes away
Return to form Compare rates and save on home insurance today! Get quotes Close X Compare rates and save on home insurance today! Get quotes Close X Compare rates and save on home insurance today! Get quotes Close X Best home insurance companies in Iowa
There are dozens of homeowners insurance companies in Iowa and each one has strengths and weaknesses. Bankrate reviewed some of the best Iowa homeowners insurance companies based on average premium, customer satisfaction, discounts and coverage options. Home insurance company Average annual premium for $250K in liability J.D. Power score $1,344 821/1,000 $969 843/1,000 Iowa Farm Bureau $1,724 N/A $1,004 808/1,000 $1,636 829/1,000 This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare home insurance rates
Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More Mortgage Leaving so soon Your custom quotes are just minutes away
Return to form American Family
American Family home insurance is more expensive than average, but Iowa homeowners can take advantage of endorsements for customized coverage plus . Savings opportunities for being a loyal customer, renovating your home, insuring a new home and bundling policies can also help bring down insurance costs. Learn More: Auto-Owners
Auto-Owners gets high ratings for overall customer satisfaction and financial strength. It is the cheapest provider on our list at an average annual premium of $909. With Auto-Owners, Iowa homeowners can for more protection and qualify for discounts to get a lower rate. Learn More: Iowa Farm Bureau
Iowa Farm Bureau is a small regional insurance provider that was . The company is known for offering comprehensive coverages, good discounts and affordable premiums for homeowners in Iowa. In order to get coverage, you need to purchase an Iowa Farm Bureau membership, which costs about $55 per year. Nationwide
Nationwide is a household name for insurance. With Nationwide, Iowa homeowners can design a policy that fits their needs with endorsements, like better roof replacement coverage and brand new belongings coverage. The company also offers a long list of , with savings for being claims-free, living in a gated community, having prior insurance and more. Learn More: State Farm
State Farm is the largest home insurance provider in the country with . State Farm's home insurance coverage is pretty standard and the company only offers a handful of discounts. However, State Farm stands out for offering great online tools and resources, including a highly-rated with claims reporting. Learn More: How much is homeowners insurance in Iowa
The in Iowa is $1,502 per year for a policy with $250,000 in dwelling coverage. For comparison, the average cost of home insurance in the United States is $1,477 per year. That means Iowa homeowners pay about 2% more than the average American.
Iowa city Average annual premium for $250K dwelling coverage $1,117 $1,267 Iowa home insurance is much cheaper than in neighboring states. For example, the average cost of home insurance in Nebraska is $2,787 per year, and in Missouri, the average premium is $1,961 per year. Because Iowa does not experience extreme weather often, the price of home insurance is less expensive. Home insurance in Iowa
Iowa experiences natural disasters every once in a while, but it is a relatively safe state for homeowners. However, there are some losses to be aware of. The best homeowners insurance in Iowa is that which protects you financially from certain risks without breaking your budget. Home insurance coverage options in Iowa
Homeowners in Iowa should purchase home insurance to protect their property against common risks. Here are some of the most notable threats to homes in Iowa: Flooding: Flooding is incredibly common in Iowa. In 2019 during the state's flood season, flooding between Iowa and its neighbor, Nebraska, caused more than and around $1 billion in claims. Tornadoes: Iowa is located near Tornado Alley, where a majority of tornadoes occur in the United States. In 2019, there were recorded in Iowa, resulting in two injuries and one fatality. Blizzards: The winter months in Iowa are cold and blizzards are common. Blizzards can cause home damage due to the weight of snow and ice and thawing snow can lead to flooding. Recommended coverages in Iowa
Having home insurance can provide financial protection and peace of mind. Iowa homeowners may be required by their mortgage company or a licensed agent to consider purchasing at least a standard policy, which includes dwelling, personal property, liability, medical payments and loss of use coverage. For more protection, homeowners may also want to consider the following add-ons: : Standard homeowners insurance does not cover flood damage. Separate policies are available through the (NFIP). : If your home gets severely damaged or destroyed in a covered peril, dwelling replacement cost coverage will pay to rebuild your home back to its original value, without depreciation factored in. : Water damage coverage, which usually comes with sump pump backup coverage, will cover any damage caused by frozen pipes, clogged pipes or faulty faucets. Frequently asked questions
The in Iowa is different for every homeowner. Home insurance prices are based on personal factors, like your ZIP code, age, credit score, claims history, the size of your home and more. Auto-Owners is the cheapest provider on our list, but it may not be the cheapest provider for everyone. And for some homeowners, the cheapest provider may not fit their specific needs for home insurance coverage. Speak to a licensed agent and compare multiple quotes to find the right fit for you.
As a general rule of thumb, it is recommended to have enough dwelling insurance to cover the cost of rebuilding your home and enough personal property coverage to replace your personal items. If you need coverage for specific situations, like flooding or earthquakes, consider adding endorsements for more protection.
No, homeowners insurance is not legally required in Iowa. However, most mortgage lenders require homeowners to have a minimum amount of insurance in order to get a loan. Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits: Coverage A, Dwelling: $250,000 Coverage B, Other Structures: $25,000 Coverage C, Personal Property: $125,000 Coverage D, Loss of Use: $50,000 Coverage E, Liability: $300,000 Coverage F, Medical Payments: $1,000 The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required). These are sample rates and should be used for comparative purposes only. Your quotes will differ. Written by Elizabeth Rivelli Insurance Contributor Elizabeth Rivelli is a contributing insurance writer for Bankrate and has years of experience writing for insurance domains such as The Simple Dollar, Coverage.com and NextAdvisor, among others Rebekah Personius is an insurance editor for Bankrate. She coordinates the creation of educational insurance content that helps people make informed insurance decisions. Rebekah has worked in the insurance space for over a year with homeowners dealing with claim resolution after large scale losses in widely affected areas. Although her expertise is primarily centered around Property & Casualty claims, she has worked with compliance and industry experts on auto, life, home and renters insurance content since January 2020. In her down time, Rebekah enjoys staying active, learning about investing, and studying everything related to psychology. She is also currently working to finish her bachelor’s degree in Business Management through Western Governors University.