Finding competitive, low cost home owner insurance quotes in Iowa does not have to be a chore. At HomeInsurance.com, you can fill out one form to get a low rate on comprehensive Iowa home insurance coverage. Rest assured knowing our team of Iowa licensed insurance consultants are standing by to give you top notch advice on home owners insurance coverages and rates in your area.
The average Iowa home owner insurance rate in September 2009 was $540.00. It appears that rates have decreased since August 2009 when average rates in Iowa were around $547.00.
Though rates have decreased in recent months, it’s important to continue to save money and find great coverage on your Iowa homeowners insurance. Be sure to review your home insurance policy with your local Iowa insurance agent regularly to ensure that you are qualifying for all available discounts. Also, check your Iowa home insurance policy to be sure you are still getting the coverage you need for your home and family.
Standard Iowa Home Insurance Coverages
| A | Dwelling: A standard Iowa homeowners insurance policy should include enough dwelling coverage to pay for the replacement or repair of your home when and if it is damaged in a covered peril |
| B | Other Structures: Other structures such as detached garages or sheds would also be covered under a standard Iowa home insurance policy |
| C | Contents/Personal Property: A Iowa home insurance policy will also typically provide coverage for the contents of your home including furniture, electronics, clothing and other personal belongings. |
| D | Loss of Use: If your Iowa home is damaged in a covered peril, ‘Loss of Use’ coverage pays for alternative accommodations and living expenses while you are unable to live in your home. |
| E | Personal Liability Protection: In Iowa, your standard homeowners insurance policy will typically provide financial protection in the event of a lawsuit where you have caused damage or bodily harm to another person or their personal property. |
| F | Medical Payments: Medical Payments coverage, or Iowa MedPay, offers reimbursement for medical bills if someone other than you or a family member is injured on your property and a lawsuit is not involved. |
Other Iowa Homeowners Resources:
- Home Insurance Quiz- How much do you know about your Iowa home insurance policy? Quiz yourself!
- home owners insurance Calculator- How much Dwelling Coverage do you need? See average dwelling costs in Iowa
- Iowa Home Inventory Checklist- Download and Print our home inventory checklist for free.
Search for home insurance in your Iowa county:
- Wright
- Worth
- Woodbury
- Winneshiek
- Winnebago
- Webster
- Wayne
- Washington
- Warren
- Wapello
- Van Buren
- Union
- Taylor
- Tama
- Story
- Sioux
- Shelby
- Scott
- Sac
- Ringgold
- Poweshiek
- Pottawattamie
- Polk
- Pocahontas
- Plymouth
- Palo Alto
- Page
- Osceola
- Obrien
- Muscatine
- Montgomery
- Monroe
- Monona
- Mitchell
- Mills
- Marshall
- Marion
- Mahaska
- Madison
- Lyon
- Lucas
- Louisa
- Linn
- Lee
- Kossuth
- Keokuk
- Jones
- Johnson
- Jefferson
- Jasper
- Jackson
- Iowa
- Ida
- Humboldt
- Howard
- Henry
- Harrison
- Hardin
- Hancock
- Hamilton
- Guthrie
- Grundy
- Greene
- Fremont
- Franklin
- Floyd
- Fayette
- Emmet
- Dubuque
- Dickinson
- Des Moines
- Delaware
- Decatur
- Davis
- Dallas
- Crawford
- Clinton
- Clayton
- Clay
- Clarke
- Chickasaw
- Cherokee
- Cerro Gordo
- Cedar
- Cass
- Carroll
- Calhoun
- Butler
- Buena Vista
- Buchanan
- Bremer
- Boone
- Black Hawk
- Benton
- Audubon
- Appanoose
- Allamakee
- Adams
- Adair
For additional information about specific insurance laws in Iowa, visit the Iowa Insurance Division website.
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