Iowa Home Insurance

If you own a home in Iowa, you may want to protect it with homeowners insurance. Homeowners insurance can help you recover from damage, loss, and liability related to your dwelling. It can also cover other structures like garages or sheds, personal property such as jewelry or artwork, personal liability, and medical expenses due to accidents on the property, and much more.

Homeowners insurance is not required by law in Iowa, but your mortgage lender may require it as a condition of your loan. Even if you don't have a mortgage, homeowners insurance can be a wise investment to safeguard your home and assets.

The cost of homeowners insurance in Iowa depends on many factors, such as the location, size, age, and condition of your home, the amount and type of coverage you choose, your deductible, and your credit score. According to the National Association of Insurance Commissioners (NAIC), the average annual premium for homeowners insurance in Iowa was $1,015 in 2018, which was lower than the national average of $1,211.

The best homeowners insurance company for you may vary depending on your needs and preferences. You may want to compare different companies based on their rates, coverage options, discounts, customer service, and financial strength. Some of the most popular homeowners insurance companies in Iowa are Farmers®, State Farm®, Allstate®, American Family®, and Nationwide®.

To find the best homeowners insurance policy for your home in Iowa, you may want to shop around and get quotes from multiple companies. You can also talk to a licensed insurance agent who can help you understand your options and customize your policy to suit your lifestyle and dwelling type. You may also want to review your policy periodically and update it as needed to reflect any changes in your home or situation.