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Call Us Now: The days of shopping for Iowa home insurance with multiple agents are over. Compare multiple quotes with our licensed homeowners insurance experts and find the best premium and the most comprehensive coverage available in Iowa. Our top carriers are rated A+ with A.M. Best so you can rest assured knowing your home is protected by a leading company.
Homeowners in Iowa are paying around $624.00 for home insurance as of September of 2011. Rates have increased since August when Iowa homeowners insurance premiums were approximately $608.00. The rate of $624/year includes standard coverage and not flood or earthquake damage which is covered under a separate policy. Read more about flood insurance.
Average Premiums for Home Insurance In Iowa |
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| Sep 2011 | Aug 2011 | Jul 2011 | Jun 2011 | May 2011 |
| $624.00 | $608.00 | $609.00 | $601.00 | $589.00 |
Homeowners insurance discounts are one of the best ways to get a low insurance rate while also maintaining great coverage. Since average home insurance rates in Iowa increased it is important to qualify for all the discounts you can to make sure you aren't overpaying. Packaging your home and auto insurance with one insurance provider can get you savings between 15 and 25 percent. Likewise, you may qualify for additional savings by being claims free or having protection devices (fire and burglar alarms) on your Iowa home.
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. |
Iowa Homeowners Insurance News
- Another Midwest governor concerned about flood protections Thursday, July 14, 2011
- Summer could bring historic flooding Monday, July 11, 2011
- Cedar Rapids wrapping up home demolitions, preparing for reconstruction effortsTuesday, November 23, 2010
- Report: New home for Indiana residents driven out by mold damageThursday, November 18, 2010
- Veteran tells TV news station she may have been swindled by bogus inspectionTuesday, November 16, 2010
Other Iowa Homeowners Resources:
- Home Insurance Calculator- How much Dwelling Coverage do you need? See average dwelling costs in Iowa
- Disaster Preparedness Guide- Make sure your home and family is protected.
- Are you qualifying for all available discounts in Iowa? Check out our list of available home insurance discounts.
Search for home insurance in your Iowa county:
- Adair
- Adams
- Allamakee
- Appanoose
- Audubon
- Benton
- Black Hawk
- Boone
- Bremer
- Buchanan
- Buena Vista
- Butler
- Calhoun
- Carroll
- Cass
- Cedar
- Cerro Gordo
- Cherokee
- Chickasaw
- Clarke
- Clay
- Clayton
- Clinton
- Crawford
- Dallas
- Davis
- Decatur
- Delaware
- Des Moines
- Dickinson
- Dubuque
- Emmet
- Fayette
- Floyd
- Franklin
- Fremont
- Greene
- Grundy
- Guthrie
- Hamilton
- Hancock
- Hardin
- Harrison
- Henry
- Howard
- Humboldt
- Ida
- Iowa
- Jackson
- Jasper
- Jefferson
- Johnson
- Jones
- Keokuk
- Kossuth
- Lee
- Linn
- Louisa
- Lucas
- Lyon
- Madison
- Mahaska
- Marion
- Marshall
- Mills
- Mitchell
- Monona
- Monroe
- Montgomery
- Muscatine
- Obrien
- Osceola
- Page
- Palo Alto
- Plymouth
- Pocahontas
- Polk
- Pottawattamie
- Poweshiek
- Ringgold
- Sac
- Scott
- Shelby
- Sioux
- Story
- Tama
- Taylor
- Union
- Van Buren
- Wapello
- Warren
- Washington
- Wayne
- Webster
- Winnebago
- Winneshiek
- Woodbury
- Worth
- Wright
Customer Reviews in Iowa
For additional information about specific insurance laws in Iowa, visit the Iowa Insurance Division website.
