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Are you looking to get the best home insurance quotes in Iowa? We have analyzed all the major insurers in the state to help you find the best homeowners insurance in Iowa!
Key Takeaways
- Iowa homeowners insurance costs $1,533 annually.
- Insurers offer home insurance policies in the state starting at around $823 annually.
- Tornadoes often impact the state. So ensure to have coverage to cover the damage from tornadoes.
Iowa homeowners insurance: What you need to know
On average, Iowa homeowners insurance costs $1,533 yearly, which is almost on par with the national average rate.
The state’s location near Tornado Alley and the Missouri and Mississippi rivers means that damage from high winds and flooding can commonly happen. So, Iowa residents should think of a good homeowners insurance policy and extra flood insurance. Are you looking for cheap homeowners insurance in Iowa? We have that covered!
What does a homeowners insurance policy cover?
Personal Property, Liability, Dwelling, Other Structures, Medical Payments to Others, and Additional Living Expenses are the typical coverages that a home insurance policy offer. Also, you can buy these additional coverages in the state.
- Flood insurance: Typically, the homeowners insurance policy does not cover damage brought on by floods. Although a few insurers offer flood insurance as an endorsement, you will typically buy a separate policy via National Flood Insurance Program (NFIP) or a private insurer.
- Water backup coverage: During heavy rains, water frequently backs up into sewage and drainage systems in the state. It can be a serious concern if your home has a basement or crawl space. Several insurers provide water backup coverage to cover this kind of damage.
- Dwelling replacement cost coverage: It accompanies the sump pump backup coverage and will pay for any damage caused by blocked or frozen pipes or faulty faucets.
What isn’t covered by a typical homeowners insurance policy?
Ideally, a home insurance policy doesn’t offer wear and tear, earthquakes, nuclear threats, flooding, insect and vermin infestations, power outages, war, sinkholes, or intentional loss. To ensure the coverages you receive, you must thoroughly research your policy before purchasing one.
The cheapest home insurance companies in Iowa
The cost of home insurance in Iowa varies depending on the insurance company. Liberty Mutual offers the cheapest home insurance in Iowa, with an annual average rate of $823. Do you want an even cheaper rate? Then it is best to get quotes from all the insurers, compare, and buy the one with the lowest quote.
| Insurer | Average annual rate |
|---|---|
| Liberty Mutual | $823 |
| IMT | $1,092 |
| West Bend Mutual | $1,235 |
| Shelter | $1,374 |
| AAA | $1,393 |
The best homeowners insurance in Iowa for those with poor credit
Insurers consider low credit scores as an indicator of risky behavior and an increased risk of filing an insurance claim. So, the rate of your homeowners insurance in Iowa will be high if you have a bad credit score. American Family has the most economical home insurance rates in Iowa for a homeowner with bad credit, with an average rate of $1,961 per year.
| Insurer | Average annual rate |
|---|---|
| American Family | $1,961 |
| Nationwide | $2,575 |
| Farm Bureau Insurance | $3,583 |
| State Farm | $4,081 |
| Auto-Owners | $14,016 |
The best homeowners insurance in Iowa for pool owners
Your home insurance rate may be higher as some insurers consider swimming pools a liability risk as there is a greater likelihood of liability claims. American Family has the lowest home insurance rates for Iowa homes with a swimming pool, with a yearly average rate of $1,220.
| Insurer | Average annual rate |
|---|---|
| American Family | $1,220 |
| Auto-Owners | $1,437 |
| Nationwide | $2,030 |
| State Farm | $2,379 |
| Farm Bureau Insurance | $2,407 |
The best homeowners insurance in Iowa for dog owners
Some insurance companies consider certain dog breeds as ‘dangerous.’ Be ready to pay a high rate for Iowa homeowners insurance if you own such a breed. American Family has the lowest home insurance rates in the state for a home with a dangerous dog breed, with an average annual rate of $1,221.
| Insurer | Average annual rate |
|---|---|
| American Family | $1,221 |
| Auto-Owners | $1,437 |
| Nationwide | $2,030 |
| State Farm | $2,379 |
| Farm Bureau Insurance | $2,407 |
Homeowners insurance deductibles in Iowa
If you file a claim, you must pay a deductible. For example, if you had a $1,000 deductible and a $3,000 water damage claim, your insurer would reimburse you $2,000 for the damage. A lower deductible usually results in higher premiums and vice-versa. Because the average annual savings between deductible amounts do not differ significantly in Iowa, you may be better off choosing a lower deductible policy.
| Deductible Level | Average annual rate |
|---|---|
| $500 | $1,564 |
| $1,000 | $1,440 |
| $1,500 | $1,362 |
| $2,000 | $1,284 |
| $5,000 | $1,089 |
Iowa home insurance prices by coverage levels
The coverage level you choose impacts the amount you pay for Iowa home insurance. Carrying $100,000 in dwelling coverage costs an average of $821 annually. While carrying coverage up to $400,000 costs up to $2,032 yearly.
| Dwelling coverage cost | Average annual rate |
|---|---|
| $100,000 | $821 |
| $200,000 | $1,219 |
| $250,000 | $1,440 |
| $400,000 | $2,032 |
Iowa homeowners insurance costs by city
The cost of home insurance varies by each city in Iowa. Factors such as the number of claims filed in the immediate area, which means your ZIP code, and the area’s theft rate may significantly impact how much you pay. These are the cost of homeowners insurance in Iowa for various cities.
| City | Average annual rate |
|---|---|
| Ackley | $1,138 |
| Ackworth | $1,167 |
| Adair | $1,279 |
| Adel | $1,136 |
| Afton | $1,291 |
| Agency | $1,115 |
| Ainsworth | $1,122 |
| Akron | $1,203 |
| Albert City | $1,227 |
| Albia | $1,147 |
| Albion | $1,175 |
| Alburnett | $1,059 |
| Alexander | $1,214 |
| Algona | $1,157 |
| Alleman | $1,074 |
| Allerton | $1,132 |
| Allison | $1,159 |
| Alta | $1,197 |
| Alta Vista | $1,143 |
| Alton | $1,165 |
| Altoona | $1,052 |
| Alvord | $1,207 |
| Amana | $1,142 |
| Ames | $1,091 |
| Anamosa | $1,047 |
| Andover | $1,130 |
| Andrew | $1,106 |
| Anita | $1,371 |
| Ankeny | $1,032 |
| Anthon | $1,273 |
| Aplington | $1,162 |
| Archer | $1,203 |
| Aredale | $1,147 |
| Argyle | $1,173 |
| Arion | $1,273 |
| Arispe | $1,283 |
| Arlington | $1,162 |
| Armstrong | $1,201 |
| Arnolds Park | $1,240 |
| Arthur | $1,246 |
| Asbury | $1,051 |
| Ashton | $1,240 |
| Aspinwall | $1,306 |
| Atalissa | $1,077 |
| Atkins | $1,094 |
| Atlantic | $1,381 |
| Auburn | $1,281 |
| Audubon | $1,313 |
| Aurelia | $1,177 |
| Aurora | $1,163 |
| Austinville | $1,185 |
| Avoca | $1,453 |
| Ayrshire | $1,225 |
| Badger | $1,216 |
| Bagley | $1,293 |
| Baldwin | $1,091 |
| Bancroft | $1,178 |
| Barnes City | $1,141 |
| Barnum | $1,272 |
| Batavia | $1,111 |
| Battle Creek | $1,259 |
| Baxter | $1,142 |
| Bayard | $1,280 |
| Beacon | $1,154 |
| Beaman | $1,176 |
| Bedford | $1,337 |
| Belle Plaine | $1,132 |
| Bellevue | $1,049 |
| Belmond | $1,189 |
| Bennett | $1,050 |
| Benton | $1,232 |
| Bernard | $1,063 |
| Berwick | $1,111 |
| Bettendorf | $1,012 |
| Bevington | $1,187 |
| Birmingham | $1,094 |
| Blairsburg | $1,197 |
| Blairstown | $1,085 |
| Blakesburg | $1,110 |
| Blanchard | $1,412 |
| Blencoe | $1,339 |
| Blockton | $1,277 |
| Bloomfield | $1,102 |
| Bode | $1,216 |
| Bondurant | $1,096 |
| Boone | $1,191 |
| Booneville | $1,153 |
| Bouton | $1,178 |
| Boxholm | $1,197 |
| Boyden | $1,176 |
| Braddyville | $1,433 |
| Bradgate | $1,233 |
| Brandon | $1,148 |
| Brayton | $1,324 |
| Breda | $1,290 |
| Bridgewater | $1,428 |
| Brighton | $1,096 |
| Bristow | $1,150 |
| Britt | $1,175 |
| Bronson | $1,259 |
| Brooklyn | $1,166 |
| Brunsville | $1,191 |
| Bryant | $1,037 |
| Buckingham | $1,147 |
| Buffalo Center | $1,195 |
| Burlington | $1,146 |
| Burnside | $1,280 |
| Bussey | $1,156 |
| Calamus | $1,047 |
| Callender | $1,281 |
| Calumet | $1,212 |
| Camanche | $1,046 |
| Cambridge | $1,138 |
| Cantril | $1,080 |
| Carbon | $1,350 |
| Carlisle | $1,145 |
| Carpenter | $1,170 |
| Carroll | $1,238 |
| Carson | $1,479 |
| Carter Lake | $1,519 |
| Cascade | $1,087 |
| Casey | $1,341 |
| Castalia | $1,105 |
| Castana | $1,236 |
| Cedar | $1,176 |
| Cedar Falls | $1,105 |
| Cedar Rapids | $1,079 |
| Center Junction | $1,057 |
| Center Point | $1,121 |
| Centerville | $1,089 |
| Central City | $1,052 |
| Chapin | $1,217 |
| Chariton | $1,159 |
| Charles City | $1,153 |
| Charlotte | $1,054 |
| Charter Oak | $1,281 |
| Chatsworth | $1,151 |
| Chelsea | $1,142 |
| Cherokee | $1,195 |
| Chester | $1,165 |
| Chillicothe | $1,116 |
| Churdan | $1,226 |
| Cincinnati | $1,140 |
| Clare | $1,271 |
| Clarence | $1,046 |
| Clarinda | $1,357 |
| Clarion | $1,174 |
| Clarksville | $1,156 |
| Clear Lake | $1,155 |
| Clearfield | $1,356 |
| Cleghorn | $1,189 |
| Clemons | $1,202 |
| Clermont | $1,100 |
| Climbing Hill | $1,244 |
| Clinton | $1,037 |
| Clio | $1,153 |
| Clive | $1,111 |
| Clutier | $1,192 |
| Coggon | $1,072 |
| Coin | $1,419 |
| Colesburg | $1,167 |
| Colfax | $1,187 |
| College Springs | $1,396 |
| Collins | $1,119 |
| Colo | $1,142 |
| Columbia | $1,120 |
| Columbus City | $1,110 |
| Columbus Junction | $1,117 |
| Colwell | $1,143 |
| Conesville | $1,115 |
| Conrad | $1,178 |
| Conroy | $1,150 |
| Coon Rapids | $1,300 |
| Cooper | $1,209 |
| Coralville | $1,062 |
| Corning | $1,301 |
| Correctionville | $1,232 |
| Corwith | $1,161 |
| Corydon | $1,146 |
| Coulter | $1,228 |
| Council Bluffs | $1,498 |
| Crawfordsville | $1,124 |
| Crescent | $1,534 |
| Cresco | $1,097 |
| Creston | $1,257 |
| Cromwell | $1,309 |
| Crystal Lake | $1,145 |
| Cumberland | $1,475 |
| Cumming | $1,135 |
| Curlew | $1,236 |
| Cushing | $1,233 |
| Cylinder | $1,251 |
| Dakota City | $1,211 |
| Dallas Center | $1,153 |
| Dana | $1,156 |
| Danbury | $1,263 |
| Davenport | $1,035 |
| Davis City | $1,178 |
| Dawson | $1,176 |
| Dayton | $1,261 |
| De Soto | $1,164 |
| De Witt | $1,037 |
| Decatur | $1,167 |
| Decorah | $1,091 |
| Dedham | $1,308 |
| Defiance | $1,444 |
| Delaware | $1,156 |
| Delmar | $1,089 |
| Deloit | $1,253 |
| Delta | $1,112 |
| Denison | $1,226 |
| Denmark | $1,164 |
| Denver | $1,134 |
| Derby | $1,149 |
| Des Moines | $1,139 |
| Dewar | $1,156 |
| Dexter | $1,196 |
| Diagonal | $1,269 |
| Dickens | $1,209 |
| Dike | $1,167 |
| Dixon | $1,046 |
| Dolliver | $1,203 |
| Donahue | $1,043 |
| Donnellson | $1,170 |
| Dorchester | $1,101 |
| Douds | $1,093 |
| Dougherty | $1,166 |
| Dow City | $1,299 |
| Dows | $1,190 |
| Drakesville | $1,100 |
| Dubuque | $1,054 |
| Dumont | $1,142 |
| Duncombe | $1,274 |
| Dundee | $1,146 |
| Dunkerton | $1,135 |
| Dunlap | $1,393 |
| Durango | $1,075 |
| Durant | $1,050 |
| Dyersville | $1,139 |
| Dysart | $1,175 |
| Eagle Grove | $1,175 |
| Earlham | $1,169 |
| Earling | $1,386 |
| Earlville | $1,156 |
| Early | $1,263 |
| East Peru | $1,228 |
| Eddyville | $1,121 |
| Edgewood | $1,161 |
| Elberon | $1,210 |
| Eldon | $1,119 |
| Eldora | $1,195 |
| Eldridge | $1,053 |
| Elgin | $1,101 |
| Elk Horn | $1,354 |
| Elk Run Heights | $1,109 |
| Elkader | $1,140 |
| Elkport | $1,162 |
| Elliott | $1,403 |
| Ellston | $1,246 |
| Ellsworth | $1,206 |
| Elma | $1,143 |
| Ely | $1,073 |
| Emerson | $1,396 |
| Emmetsburg | $1,210 |
| Epworth | $1,096 |
| Essex | $1,425 |
| Estherville | $1,199 |
| Evansdale | $1,105 |
| Everly | $1,214 |
| Exira | $1,334 |
| Exline | $1,142 |
| Fairfax | $1,071 |
| Fairfield | $1,079 |
| Farley | $1,100 |
| Farnhamville | $1,302 |
| Farragut | $1,459 |
| Fayette | $1,141 |
| Ferguson | $1,209 |
| Fertile | $1,175 |
| Floris | $1,117 |
| Floyd | $1,172 |
| Fonda | $1,282 |
| Fontanelle | $1,265 |
| Forest City | $1,172 |
| Fort Atkinson | $1,119 |
| Fort Dodge | $1,233 |
| Fort Madison | $1,147 |
| Fostoria | $1,190 |
| Fredericksburg | $1,121 |
| Fremont | $1,174 |
| Fruitland | $1,096 |
| Galt | $1,199 |
| Galva | $1,221 |
| Garber | $1,166 |
| Garden City | $1,171 |
| Garden Grove | $1,188 |
| Garnavillo | $1,132 |
| Garner | $1,175 |
| Garrison | $1,185 |
| Garwin | $1,168 |
| George | $1,205 |
| Gibson | $1,122 |
| Gifford | $1,189 |
| Gilbert | $1,142 |
| Gilbertville | $1,129 |
| Gilman | $1,167 |
| Gilmore City | $1,231 |
| Gladbrook | $1,170 |
| Glenwood | $1,328 |
| Glidden | $1,267 |
| Goldfield | $1,182 |
| Goodell | $1,186 |
| Goose Lake | $1,048 |
| Gowrie | $1,279 |
| Graettinger | $1,207 |
| Grafton | $1,207 |
| Grand Junction | $1,189 |
| Grand Mound | $1,031 |
| Granger | $1,121 |
| Granville | $1,170 |
| Gravity | $1,363 |
| Gray | $1,251 |
| Greeley | $1,173 |
| Greene | $1,171 |
| Greenfield | $1,245 |
| Greenville | $1,206 |
| Grimes | $1,095 |
| Grinnell | $1,162 |
| Griswold | $1,451 |
| Grundy Center | $1,147 |
| Guernsey | $1,115 |
| Guthrie Center | $1,308 |
| Guttenberg | $1,156 |
| Halbur | $1,268 |
| Hamburg | $1,463 |
| Hamilton | $1,144 |
| Hamlin | $1,333 |
| Hampton | $1,168 |
| Hancock | $1,445 |
| Hanlontown | $1,185 |
| Harcourt | $1,275 |
| Hardy | $1,210 |
| Harlan | $1,406 |
| Harper | $1,113 |
| Harpers Ferry | $1,106 |
| Harris | $1,251 |
| Hartford | $1,171 |
| Hartley | $1,218 |
| Hartwick | $1,162 |
| Harvey | $1,125 |
| Hastings | $1,401 |
| Havelock | $1,254 |
| Haverhill | $1,186 |
| Hawarden | $1,159 |
| Hawkeye | $1,135 |
| Hayesville | $1,106 |
| Hazleton | $1,154 |
| Hedrick | $1,117 |
| Henderson | $1,408 |
| Hiawatha | $1,070 |
| Highlandville | $1,133 |
| Hills | $1,118 |
| Hillsboro | $1,120 |
| Hinton | $1,200 |
| Holland | $1,155 |
| Holstein | $1,243 |
| Holy Cross | $1,124 |
| Homestead | $1,124 |
| Honey Creek | $1,514 |
| Hopkinton | $1,126 |
| Hornick | $1,251 |
| Hospers | $1,179 |
| Houghton | $1,164 |
| Hubbard | $1,173 |
| Hudson | $1,111 |
| Hull | $1,177 |
| Humboldt | $1,218 |
| Humeston | $1,154 |
| Huxley | $1,104 |
| Ida Grove | $1,251 |
| Imogene | $1,433 |
| Independence | $1,124 |
| Indianola | $1,166 |
| Inwood | $1,194 |
| Ionia | $1,165 |
| Iowa City | $1,080 |
| Iowa Falls | $1,170 |
| Ira | $1,174 |
| Ireton | $1,159 |
| Irwin | $1,363 |
| Jamaica | $1,268 |
| Janesville | $1,131 |
| Jefferson | $1,195 |
| Jesup | $1,108 |
| Jewell | $1,203 |
| Johnston | $1,080 |
| Joice | $1,167 |
| Jolley | $1,305 |
| Kalona | $1,085 |
| Kamrar | $1,208 |
| Kanawha | $1,192 |
| Kellerton | $1,235 |
| Kelley | $1,100 |
| Kensett | $1,193 |
| Keokuk | $1,159 |
| Keosauqua | $1,163 |
| Keota | $1,112 |
| Kesley | $1,133 |
| Keswick | $1,104 |
| Keystone | $1,164 |
| Killduff | $1,179 |
| Kimballton | $1,335 |
| Kingsley | $1,213 |
| Kinross | $1,095 |
| Kirkman | $1,361 |
| Kirkville | $1,164 |
| Kiron | $1,242 |
| Klemme | $1,187 |
| Knierim | $1,287 |
| Knoxville | $1,135 |
| La Motte | $1,056 |
| La Porte City | $1,113 |
| Lacona | $1,157 |
| Ladora | $1,136 |
| Lake City | $1,264 |
| Lake Mills | $1,167 |
| Lake Park | $1,250 |
| Lake View | $1,252 |
| Lakota | $1,193 |
| Lamoni | $1,214 |
| Lamont | $1,151 |
| Lanesboro | $1,353 |
| Langworthy | $1,084 |
| Lansing | $1,087 |
| Larchwood | $1,199 |
| Larrabee | $1,184 |
| Latimer | $1,209 |
| Laurel | $1,168 |
| Laurens | $1,242 |
| Lawler | $1,140 |
| Lawton | $1,248 |
| Le Claire | $1,037 |
| Le Grand | $1,191 |
| Le Mars | $1,149 |
| Ledyard | $1,188 |
| Lehigh | $1,272 |
| Leighton | $1,133 |
| Leland | $1,179 |
| Lenox | $1,331 |
| Leon | $1,187 |
| Letts | $1,098 |
| Lewis | $1,499 |
| Liberty Center | $1,193 |
| Libertyville | $1,096 |
| Lidderdale | $1,347 |
| Lime Springs | $1,126 |
| Linden | $1,195 |
| Lineville | $1,142 |
| Linn Grove | $1,205 |
| Lisbon | $1,050 |
| Little Cedar | $1,154 |
| Little Rock | $1,206 |
| Little Sioux | $1,390 |
| Livermore | $1,219 |
| Logan | $1,397 |
| Lohrville | $1,267 |
| Lone Rock | $1,174 |
| Lone Tree | $1,108 |
| Long Grove | $1,045 |
| Lorimor | $1,298 |
| Lost Nation | $1,066 |
| Lovilia | $1,160 |
| Low Moor | $1,061 |
| Lowden | $1,048 |
| Lu Verne | $1,178 |
| Luana | $1,092 |
| Lucas | $1,180 |
| Luther | $1,179 |
| Luxemburg | $1,123 |
| Luzerne | $1,161 |
| Lynnville | $1,169 |
| Lytton | $1,302 |
| Macksburg | $1,238 |
| Madrid | $1,163 |
| Magnolia | $1,398 |
| Malcom | $1,187 |
| Mallard | $1,244 |
| Malvern | $1,395 |
| Manchester | $1,120 |
| Manilla | $1,330 |
| Manly | $1,190 |
| Manning | $1,351 |
| Manson | $1,294 |
| Mapleton | $1,293 |
| Maquoketa | $1,095 |
| Marathon | $1,221 |
| Marble Rock | $1,198 |
| Marcus | $1,182 |
| Marengo | $1,110 |
| Marion | $1,050 |
| Marne | $1,437 |
| Marquette | $1,118 |
| Marshalltown | $1,152 |
| Martelle | $1,050 |
| Martensdale | $1,191 |
| Martinsburg | $1,121 |
| Mason City | $1,174 |
| Masonville | $1,122 |
| Massena | $1,449 |
| Matlock | $1,205 |
| Maurice | $1,175 |
| Maxwell | $1,143 |
| Maynard | $1,162 |
| McCallsburg | $1,132 |
| McCausland | $1,070 |
| McClelland | $1,504 |
| McGregor | $1,123 |
| McIntire | $1,161 |
| Mechanicsville | $1,047 |
| Mediapolis | $1,168 |
| Melbourne | $1,163 |
| Melcher-Dallas | $1,135 |
| Melrose | $1,156 |
| Melvin | $1,250 |
| Menlo | $1,322 |
| Meriden | $1,181 |
| Merrill | $1,195 |
| Meservey | $1,202 |
| Middle | $1,121 |
| Middle Amana | $1,121 |
| Middletown | $1,159 |
| Miles | $1,044 |
| Milford | $1,201 |
| Millersburg | $1,155 |
| Millerton | $1,140 |
| Milo | $1,179 |
| Milton | $1,094 |
| Minburn | $1,160 |
| Minden | $1,457 |
| Mineola | $1,392 |
| Mingo | $1,189 |
| Missouri Valley | $1,388 |
| Mitchellville | $1,130 |
| Modale | $1,394 |
| Mondamin | $1,433 |
| Monmouth | $1,058 |
| Monona | $1,086 |
| Monroe | $1,174 |
| Montezuma | $1,141 |
| Monticello | $1,069 |
| Montour | $1,176 |
| Montpelier | $1,107 |
| Montrose | $1,181 |
| Moorhead | $1,351 |
| Moorland | $1,266 |
| Moravia | $1,105 |
| Morley | $1,074 |
| Morning Sun | $1,179 |
| Morrison | $1,158 |
| Moscow | $1,081 |
| Moulton | $1,110 |
| Mount Auburn | $1,179 |
| Mount Ayr | $1,229 |
| Mount Pleasant | $1,125 |
| Mount Sterling | $1,074 |
| Mount Union | $1,109 |
| Mount Vernon | $1,051 |
| Moville | $1,253 |
| Murray | $1,271 |
| Muscatine | $1,065 |
| Mystic | $1,101 |
| Nashua | $1,157 |
| Nemaha | $1,256 |
| Nevada | $1,112 |
| New Albin | $1,096 |
| New Hampton | $1,135 |
| New Hartford | $1,183 |
| New Liberty | $1,062 |
| New London | $1,119 |
| New Market | $1,381 |
| New Providence | $1,204 |
| New Sharon | $1,166 |
| New Vienna | $1,153 |
| New Virginia | $1,200 |
| Newell | $1,240 |
| Newhall | $1,142 |
| Newton | $1,151 |
| Nichols | $1,129 |
| Nodaway | $1,352 |
| Nora Springs | $1,181 |
| North Buena Vista | $1,163 |
| North English | $1,123 |
| North Liberty | $1,069 |
| North Washington | $1,138 |
| Northboro | $1,432 |
| Northwood | $1,170 |
| Norwalk | $1,170 |
| Norway | $1,118 |
| Oakland | $1,486 |
| Oakville | $1,176 |
| Odebolt | $1,253 |
| Oelwein | $1,128 |
| Ogden | $1,180 |
| Okoboji | $1,242 |
| Olds | $1,136 |
| Olin | $1,070 |
| Ollie | $1,097 |
| Onawa | $1,331 |
| Onslow | $1,076 |
| Oran | $1,159 |
| Orange City | $1,160 |
| Orchard | $1,155 |
| Orient | $1,292 |
| Osage | $1,122 |
| Osceola | $1,237 |
| Oskaloosa | $1,139 |
| Ossian | $1,101 |
| Otley | $1,194 |
| Oto | $1,281 |
| Ottosen | $1,221 |
| Ottumwa | $1,092 |
| Oxford | $1,081 |
| Oxford Junction | $1,081 |
| Oyens | $1,215 |
| Pacific Junction | $1,390 |
| Packwood | $1,096 |
| Palmer | $1,292 |
| Palo | $1,124 |
| Panama | $1,397 |
| Panora | $1,297 |
| Park View | $1,057 |
| Parkersburg | $1,185 |
| Parnell | $1,152 |
| Patterson | $1,212 |
| Paullina | $1,193 |
| Pella | $1,110 |
| Peosta | $1,110 |
| Percival | $1,436 |
| Perry | $1,188 |
| Persia | $1,399 |
| Peru | $1,228 |
| Pierson | $1,216 |
| Pilot Grove | $1,183 |
| Pilot Mound | $1,228 |
| Pisgah | $1,389 |
| Plainfield | $1,171 |
| Plano | $1,102 |
| Pleasant Hill | $1,112 |
| Pleasant Valley | $1,055 |
| Pleasantville | $1,155 |
| Plover | $1,259 |
| Plymouth | $1,186 |
| Pocahontas | $1,235 |
| Polk City | $1,073 |
| Pomeroy | $1,295 |
| Popejoy | $1,185 |
| Portsmouth | $1,424 |
| Postville | $1,106 |
| Prairie City | $1,173 |
| Prairieburg | $1,066 |
| Prescott | $1,314 |
| Preston | $1,032 |
| Primghar | $1,197 |
| Princeton | $1,037 |
| Prole | $1,170 |
| Promise City | $1,144 |
| Protivin | $1,112 |
| Pulaski | $1,105 |
| Quasqueton | $1,143 |
| Quimby | $1,201 |
| Radcliffe | $1,171 |
| Rake | $1,210 |
| Ralston | $1,319 |
| Randalia | $1,149 |
| Randall | $1,191 |
| Randolph | $1,465 |
| Raymond | $1,122 |
| Readlyn | $1,139 |
| Reasnor | $1,166 |
| Red Oak | $1,403 |
| Redding | $1,237 |
| Redfield | $1,151 |
| Reinbeck | $1,134 |
| Rembrandt | $1,215 |
| Remsen | $1,184 |
| Renwick | $1,201 |
| Rhodes | $1,170 |
| Riceville | $1,175 |
| Ricketts | $1,266 |
| Ridgeway | $1,114 |
| Ringsted | $1,192 |
| Rippey | $1,198 |
| Riverside | $1,103 |
| Riverton | $1,452 |
| Robins | $1,071 |
| Rock Falls | $1,160 |
| Rock Rapids | $1,183 |
| Rock Valley | $1,164 |
| Rockford | $1,160 |
| Rockwell | $1,201 |
| Rockwell City | $1,286 |
| Rodney | $1,262 |
| Roland | $1,156 |
| Rolfe | $1,253 |
| Rose Hill | $1,170 |
| Rowan | $1,193 |
| Rowley | $1,158 |
| Royal | $1,199 |
| Rudd | $1,202 |
| Runnells | $1,119 |
| Russell | $1,171 |
| Ruthven | $1,217 |
| Rutland | $1,211 |
| Ryan | $1,106 |
| Sabula | $1,041 |
| Sac City | $1,285 |
| Saint Anthony | $1,197 |
| Saint Charles | $1,190 |
| Saint Donatus | $1,065 |
| Saint Lucas | $1,151 |
| Saint Marys | $1,176 |
| Saint Olaf | $1,120 |
| Saint Paul | $1,166 |
| Salem | $1,140 |
| Salix | $1,262 |
| Sanborn | $1,204 |
| Saylorville | $1,081 |
| Scarville | $1,166 |
| Schaller | $1,258 |
| Schleswig | $1,253 |
| Searsboro | $1,166 |
| Selma | $1,090 |
| Sergeant Bluff | $1,244 |
| Seymour | $1,133 |
| Shambaugh | $1,370 |
| Shannon City | $1,330 |
| Sharpsburg | $1,333 |
| Sheffield | $1,169 |
| Sheldahl | $1,137 |
| Sheldon | $1,173 |
| Shell Rock | $1,131 |
| Shellsburg | $1,145 |
| Shenandoah | $1,369 |
| Sherrill | $1,101 |
| Sibley | $1,232 |
| Sidney | $1,426 |
| Sigourney | $1,102 |
| Silver City | $1,382 |
| Sioux Center | $1,151 |
| Sioux City | $1,240 |
| Sioux Rapids | $1,211 |
| Slater | $1,095 |
| Smithland | $1,253 |
| Soldier | $1,251 |
| Solon | $1,059 |
| Somers | $1,279 |
| South Amana | $1,129 |
| South English | $1,094 |
| Spencer | $1,153 |
| Sperry | $1,165 |
| Spillville | $1,130 |
| Spirit Lake | $1,231 |
| Spragueville | $1,024 |
| Springbrook | $1,087 |
| Springville | $1,057 |
| St. Ansgar | $1,142 |
| Stanhope | $1,159 |
| Stanley | $1,134 |
| Stanton | $1,419 |
| Stanwood | $1,047 |
| Steamboat Rock | $1,190 |
| Stockport | $1,179 |
| Stockton | $1,060 |
| Storm Lake | $1,228 |
| Story City | $1,158 |
| Stout | $1,161 |
| Stratford | $1,177 |
| Strawberry Point | $1,145 |
| Stuart | $1,304 |
| Sully | $1,172 |
| Sumner | $1,148 |
| Superior | $1,238 |
| Sutherland | $1,190 |
| Swaledale | $1,192 |
| Swan | $1,165 |
| Swea City | $1,153 |
| Swedesburg | $1,142 |
| Swisher | $1,081 |
| Tabor | $1,450 |
| Tama | $1,168 |
| Teeds Grove | $1,044 |
| Templeton | $1,260 |
| Terril | $1,192 |
| Thayer | $1,259 |
| Thompson | $1,190 |
| Thor | $1,202 |
| Thornburg | $1,125 |
| Thornton | $1,206 |
| Thurman | $1,442 |
| Tiffin | $1,071 |
| Tingley | $1,235 |
| Tipton | $1,045 |
| Titonka | $1,195 |
| Toddville | $1,070 |
| Toeterville | $1,173 |
| Toledo | $1,173 |
| Tracy | $1,125 |
| Traer | $1,172 |
| Treynor | $1,487 |
| Tripoli | $1,145 |
| Troy Mills | $1,133 |
| Truesdale | $1,252 |
| Truro | $1,197 |
| Udell | $1,114 |
| Underwood | $1,507 |
| Unionville | $1,097 |
| University Heights | $1,082 |
| University Park | $1,161 |
| Urbana | $1,149 |
| Urbandale | $1,100 |
| Ute | $1,278 |
| Vail | $1,285 |
| Van Horne | $1,164 |
| Van Meter | $1,173 |
| Van Wert | $1,200 |
| Varina | $1,273 |
| Ventura | $1,161 |
| Victor | $1,127 |
| Villisca | $1,390 |
| Vincent | $1,223 |
| Vining | $1,190 |
| Vinton | $1,171 |
| Volga | $1,152 |
| Wadena | $1,137 |
| Walcott | $1,035 |
| Walford | $1,124 |
| Walker | $1,114 |
| Wall Lake | $1,299 |
| Wallingford | $1,200 |
| Walnut | $1,447 |
| Wapello | $1,175 |
| Washington | $1,123 |
| Washta | $1,218 |
| Waterloo | $1,123 |
| Waterville | $1,087 |
| Watkins | $1,150 |
| Waucoma | $1,109 |
| Waukee | $1,103 |
| Waukon | $1,084 |
| Waverly | $1,112 |
| Wayland | $1,174 |
| Webb | $1,235 |
| Webster | $1,104 |
| Webster City | $1,193 |
| Weldon | $1,184 |
| Wellman | $1,097 |
| Wellsburg | $1,155 |
| Welton | $1,059 |
| West Bend | $1,216 |
| West Branch | $1,056 |
| West Burlington | $1,150 |
| West Chester | $1,109 |
| West Des Moines | $1,099 |
| West Liberty | $1,080 |
| West Point | $1,167 |
| West Union | $1,111 |
| Westfield | $1,240 |
| Westgate | $1,146 |
| Westside | $1,274 |
| Wever | $1,161 |
| What Cheer | $1,130 |
| Wheatland | $1,041 |
| Whiting | $1,282 |
| Whittemore | $1,198 |
| Whitten | $1,186 |
| Williams | $1,175 |
| Williamsburg | $1,116 |
| Williamson | $1,160 |
| Wilton | $1,074 |
| Windsor Heights | $1,087 |
| Winfield | $1,139 |
| Winterset | $1,207 |
| Winthrop | $1,138 |
| Wiota | $1,397 |
| Woden | $1,193 |
| Woodbine | $1,443 |
| Woodburn | $1,216 |
| Woodward | $1,128 |
| Woolstock | $1,187 |
| Worthington | $1,096 |
| Yale | $1,299 |
| Yarmouth | $1,117 |
| Yorktown | $1,371 |
| Zearing | $1,148 |
| Zwingle | $1,080 |
Home and auto insurance bundling in Iowa
How can you get cheap homeowners insurance in Iowa? One way is by bundling your home and auto insurance policies.
| Average annual rate (without bundling) | Average annual rate (with bundling) | Yearly savings (in $) | Yearly savings (in percent) |
|---|---|---|---|
| $1,533 | $1,421 | $112 | 7.3% |
Home insurance discounts in Iowa
Using the discounts provided by your insurer is another way by which you can buy cheap Iowa homeowners insurance. But ensure to check which discounts you qualify for.
| Insurer | Bundling Discounts | Loyalty Discounts | Military Discounts | New Home Credit Discounts | Claim-Free Discounts | Protective Devices Discounts |
|---|---|---|---|---|---|---|
| Farmers | ✓ | ✓ | - | ✓ | ✓ | ✓ |
| Allstate | ✓ | ✓ | - | ✓ | ✓ | - |
| State Farm | ✓ | - | - | - | ✓ | ✓ |
| USAA | ✓ | ✓ | ✓ | - | ✓ | ✓ |
| Nationwide | ✓ | - | - | ✓ | ✓ | ✓ |
| Liberty Mutual | ✓ | - | - | - | - | - |
| Amica | ✓ | - | - | ✓ | ✓ | ✓ |
| Chubb | ✓ | - | - | ✓ | ✓ | ✓ |
| American Family | ✓ | ✓ | - | ✓ | - | ✓ |
| Lemonade | ✓ | ✓ | - | - | - | ✓ |
Comparing common features across top companies
Are you trying to buy the best homeowners insurance in Iowa? Then check whether your insurer offers these features.
| Insurer | Identity Theft Protection | Valuable Possessions | Water Backup | Other Structures Coverage | Dwelling /Personal Property Replacement |
|---|---|---|---|---|---|
| Farmers | Optional | ✓ | No | Optional | Optional |
| Allstate | Optional | Optional | Optional | ✓ | Optional |
| State Farm | Optional | Optional | Optional | ✓ | Optional |
| USAA | ✓ | Optional | No | ✓ | ✓ |
| Nationwide | Optional | Optional | Optional | ✓ | Optional |
| Liberty Mutual | Optional | Optional | Optional | ✓ | Optional |
| Amica | Optional | Optional | Optional | ✓ | Optional |
| Chubb | Optional | Optional | ✓ | ✓ | ✓ |
| American Family | ✓ | Optional | Optional | ✓ | No |
| Lemonade | ✓ | Optional | Optional | ✓ | ✓ |
Common causes of home insurance claims in Iowa
These are a few reasons that lead to home insurance claims in Iowa.
- Tornadoes: Iowa is close to Tornado Alley, where most tornadoes occur. In Iowa, there were around 54 tornadoes in2019, resulting in one fatality and two injuries.
- Flooding: It often happens in Iowa. Flooding between Iowa and its neighbor, Nebraska, caused damages worth more than $4 billion and around $1 billion in claims in 2019.
- Blizzards: These are common in Iowa during the winter months. Due to the weight of the snow and ice, blizzards can cause damage to your home. Also, the melting of snow can cause flooding.
Does homeowners insurance cover flooding in Iowa?
Flood damage doesn’t get covered by a standard home insurance policy. So you must buy flood insurance via a private insurer or FEMA’s National Flood Insurance Program (NFIP). The coverage from private flood insurance companies may differ; however, NFIP flood insurance provides the following coverage.
- Your home's structure - $250,000
- Personal property - $100,000
Does homeowners insurance cover tornadoes in Iowa?
The state experiences around 50 tornadoes a year. So, having coverage for tornado damage is crucial. Wind usually leads to tornado damage, so ensure your home insurance includes windstorm coverage, which is standard in most homeowners insurance policies.
The coverage protects your home’s exterior and overall structure. But interior damage to the building may include coverage only if exterior damage cause it, such as a window breaking. Detached structures on the property also get covered, typically for 10% of the home’s insured value. Be mindful that your home won’t get protection for some storm-related losses. For instance, unless you have flood insurance, your home will not get coverage if the tornado also causes flooding that damages it.
Factors that affect home insurance rates in Iowa
Do you want to buy affordable homeowners insurance in Iowa? Then check for these factors before buying one.
- Your location: Factors such as your ZIP Code, the area's theft rate, and the volume of claims your area can influence the cost of homeowners insurance in Iowa.
- Replacement cost: The cost of home insurance in Iowa varies depending on local labor and the rate of construction materials.
- Age/condition: Newer properties are cheaper to insure than older ones.
- Claims history: If you regularly file claims, insurers consider you a risk. Then expect your insurance premiums to increase.
- Credit history: Most insurers will check your credit score before providing home insurance coverage. If your credit score is poor, you should expect to pay more for Iowa home insurance.
- Dog breed: Many insurers consider certain dog breeds 'dangerous'. If your insurer considers your dog in this way, the price of Iowa home insurance will increase.
Tips for buying homeowners insurance
Are you looking to find the best home insurance in Iowa? Then follow these tips!
- Assess your rebuilding costs: Talk with a builder or an insurance agent to know how much it would cost to rebuild your house with inexpensive building materials and local labor.
- Review the advantage of replacement cost over actual cash value: Purchasing replacement cost insurance for your house and other belongings may be essential.
- Consider add-on coverage for your expensive items: If you have costly items like high-end electronics, athletic gear, musical instruments, or old antiques, it is best to buy personal property coverage.
- Evaluate your liability coverage needs: Determine your minimum liability insurance limit.
- Assess coverage gaps: Many home insurers provide high coverage limits for landscaping elements like trees and bushes.
- Check financial ratings: Most home insurance companies will have ratings from organizations like AM Best and Standard & Poor's. For instance, some companies won't let you apply for a mortgage if your insurer doesn't have a minimum 'A' financial strength rating.
- Check for discounts: Ensure to use all the discounts the insurer offers that you qualify for.
- Compare quotes from various insurance companies: Iowa homeowners insurance premiums may differ depending on your chosen insurer. To find the best home insurance policy in Iowa, you must compare quotes from several insurers.
How to get Iowa home insurance with Way.com
The average home insurance cost in Iowa is around $1,533 yearly. With natural disasters often hitting the state, it is best to have a strong home insurance policy to cover your damages. So, the insurance rates can go high. However, you can find affordable homeowners insurance in Iowa. But how is that possible? That’s where Way.com can help you!
You must use our website or app to find quotes from all insurers in Iowa. Then you must compare all the home insurance quotes in Iowa and buy a policy with the cheapest rate. Do you need additional help? Then our home insurance agents in the state will help you. They will help you understand Iowa home insurance laws, the most complex insurance terms, discounts, and coverages.
FAQs
What is the average home insurance cost in Iowa?
On average, homeowners in Iowa costs around $1,533 yearly.
How much is homeowners insurance a month in Iowa?
On average, Iowa home insurance costs around $128 a month.
Is homeowners insurance required in Iowa?
No, the state law doesn’t mandate having one. However, your mortgage company will almost certainly require it to obtain a loan.
Is it mandatory to buy home insurance in the US?
No. Although not required by law, there are a few other reasons to insure your home. If you have a mortgage on it, your lender will require you to possess a home insurance policy until you pay off the loan. Be mindful that lenders have the legal right to ask borrowers to have home insurance that covers the mortgage amount.
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