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Iowa Home Insurance - What's Happening

Average premiums for Iowa home insurance sold by HomeInsurance.com in Q2 of 2014 totaled about $739 – nearly $100 below the U.S. average. While mild weather is sometimes the reason behind low average premiums, that’s not the case in Iowa. The state, like most of the Midwest, is known for having frequent severe weather. IA is prone to thunderstorms, tornados, hail, and flooding. In fact, IA sees an average of 37 tornados a year, according to the National Climatic Data Center. Standard Iowa home insurance offers coverage for tornados, however, some perils such as flooding are not covered. Make sure you don’t have any holes in your coverage and work with a licensed agent today.

How can you get started? Call HomeInsurance.com today or enter your information above. Our licensed agents will get you a free quote. It's that simple!

Curious about car insurance? Click here to learn more about auto insurance in Iowa.


Iowa Home Insurance Report Card

We get that buying home insurance is complicated. We've demystified it by assigning each state grades based on information collected from HomeInsurance.com customers about their houses. It's a coloring-outside-the-lines approach that shows how factors about a home can affect what you pay for coverage.


A+

Home Grade

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A+

Property Grade

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C

Bonus Grade

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A

Overall Grade

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Home (Grades related to the house itself)

Hawkeye homes are 10 years older than the national average and also a tad smaller. While smaller is good, older is bad from a home insurance standpoint. Iowa scored points with low average building costs and the percentage of home with sump pumps – half the homes we surveyed have them.

C

Average year built

Built in 1970, average Iowa homes are a whole decade older than the average U.S. home.

A+

Average home size

At 1,403 square feet, the average IA home is a bit smaller than the national average of 1,971 sq. ft.

A+

Average replacement cost

Replacing your house after a total loss in Iowa will only cost an average of $198,255, compared with the U.S. average of $278,576.

A+

% of homes with sump pump

Half of all homes we surveyed in Iowa have a sump pump – a high amount when compared with the average of 15% nationwide

Property (Factors related to the property and location)

Property factors proved to be a strong area for the state of Iowa. The average insured cost of other structures (detached garages, sheds and fences, for example) on property belonging to Iowa homeowners was only $18,657 – less than the national average of $26,165.

Iowa also impressed when it came to evading liability risk. IA homeowners who bought policies through HomeInsurance.com in the second quarter avoided owning swimming pools and ATVs. Both items can add major risk to a property, which might increase home insurance premiums

Bonus (Other factors that influence your home insurance premiums)

C

% of homes with fire extinguishers

Only 69% of IA homes have fire extinguishers – one of the lowest averages in the country.

C

% of homes with dead bolt locks on exterior doors

85% of homes in the state have dead bolt locks, which is about 10% below the national average.

A+

% of homes with smoke detectors

100% of IA homeowners also have smoke detectors while the rest of the country averages at 98.3%.

C

% of homes with security alarms

Security alarms boost home safety, but only 6% of IA homes have them, more than 33% below the national average.

Overall Grade - A (you betcha!)

Iowa may see some nasty weather but, overall, living is easy in the Hawkeye State. While IA homes are older, they are also smaller on average. The cost to replace homes in IA is less because the homes are smaller and because state building costs are far lower than other states. Homeowners in this state avoided potential liability risks and bolstered home safety with smoke detectors in every house. Iowa residents fell short when it came to other home safety factors but ultimately came out with an ‘A’ grade.

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