Iowa Home Owners Insurance

Iowa
Everything You Need to Know About:

Iowa Home Owners Insurance


Home Owners Insurance

If you have invested in a new home, you need to take the steps to protect it. We know it is difficult to find the best rates, best insurance company, etc. so we did some shopping for you!

What does Homeowners Insurance cover in Iowa?

Homeowners insurance will cover losses that are caused by “covered perils” according to the NAIC. It’s important to know what are considered covered peril, and what is NOT.

Learn More Here About Damage Causes that are Covered by a Homeowners Insurance Policy

Home Owners Insurance
Covered perils vs. Perils NOT covered

Which companies offer Homeowners in Iowa?

Here is the list of companies that offer homeowners insurance in Iowa. The best companies giving you the peace of mind in coverage for your home.

CompanyHomeowners Offered
Nationwideyes
Travelersyes
MetLife Inc.yes
American Internationalyes
Farmers Insuranceyes
Auto-Ownersyes
Hartfordyes
USAAyes
Progressiveyes
Liberty Mutualyes
American Familyyes
Chubbyes
State Farmyes
Allstate Corp.yes

Rating factors for Homeowners Insurance in Iowa

Here are some factors that are considered when your homeowners insurance premium is being calculated.

Homeowners Insurance Rating Factors
Credit history
Dog breed
Value of home Replacement cost
Roof condition
Insurance score
Location
Protection Class Proximity to fire station
Home liability limits
Claims
Deductible
Age of Home
Wood-burning stoves
Home-based business

Bundling Options with Homeowners insurance in Iowa

Who doesn’t like saving money? When you bundle different types of insurance products, you are likely to get a discount. You also simplify things so you don’t have to manage so many different policies. Here are some popular options you could potentially bundle with your homeowners policy.

Homeowners Insurance Bundling Options
Umbrella
RV
Life
Auto
Business
Boat
Health
Motorcycle
ATV

Best Homeowners Insurance by company in Iowa

Because insurance rates can vary so greatly from city to city, it’s important to shop around and see which Insurance Company provides the best rates according to your needs. We did the shopping for you, as listed below…but it always helps to talk with one of our agents to find out more specifics.

CityInsurance Company
GrimesNationWide
Iowa CityAmerican Family
Sioux CenterProgressive
MarionNationWide
WaverlyLiberty Mutual
Red OakLiberty Mutual
North LibertyProgressive
SpencerProgressive (ASI)
Cedar FallsLiberty Mutual
MaquoketaProgressive
EsthervilleLiberty Mutual
CliveFarmers
AltoonaTravelers
BooneTravelers
OelweinProgressive
OskaloosaState Farm
IndependenceAllstate
IndianolaProgressive
DeWittAmica
Mount PleasantChub
UrbandaleNationWide
DecorahFarmers
BondurantUSAA
Charles CityAllstate
AnamosaChub
Fort DodgeAmerican Family
ClarindaAllstate
MarshalltownFarmers
West Des MoinesFarmers
DenisonChub
AlgonaFarmers
KnoxvilleProgressive
AmesChub
Des MoinesTravelers
Webster CityAmica
DavenportAmerican Family
Storm LakeChub
BurlingtonUSAA
AtlanticProgressive (ASI)
Cedar RapidsLiberty Mutual
MuscatineProgressive
GrinnellFarmers
JohnstonTravelers
CoralvilleProgressive
CarrollTravelers
BettendorfProgressive (ASI)
NorwalkNationWide
PerryProgressive (ASI)
AsburyUSAA
CentervilleProgressive (ASI)
WaterlooState Farm
EldridgeLiberty Mutual
WashingtonLiberty Mutual
Le MarsFarmers
FairfieldTravelers
GlenwoodChub
ClintonUSAA
Mason CityAllstate
Fort MadisonChub
PellaState Farm
CrestonTravelers
KeokukProgressive (ASI)
WintersetLiberty Mutual
Orange CityAmerican Family
Pleasant HillAllstate
NewtonLiberty Mutual
WaukeeProgressive (ASI)
Clear LakeAllstate
Council BluffsChub
AnkenyTravelers
DubuqueTravelers
NevadaProgressive (ASI)
HiawathaLiberty Mutual

Best Homeowners Insurance in Iowa (by company)

The best is always a great thing! An AM Best Rating has assessed the insurance company’s creditworthiness and financial health.

A good AM Best rating means you can rely on the company to pay their claims and meet its financial obligations.

Insurance CompanyAM Best Rating
American InternationalA-
ProgressiveA+
Liberty MutualA
Farmers InsuranceA
Auto-Owners InsuranceA
AllstateA+
ChubbA
American FamilyA
MetLifeA-
State FarmA++
Hartford FinancialA+
NationwideA
TravelersA++

Discounts available for Home Owners Insurance in Iowa

These are just some ways you can save on your home owners insurance. Having these items in place can help when calculating your rate.

Available Discounts for Homeowners Insurance
Auto water shut off or leak detection
Home monitoring / Bruglar
Smoke detector (monitored)
New home discount
Bundling Multiple Polices
Upgraded plumbing
Married discount
Loyalty
Claims Free
Hail resistant roofing
Paid in full

Homeowners Insurance rates by company in Iowa

Here’s an average of what you can expect when shopping for a homeowners insurance policy. These are the averages for these companies who can provide homeowners insurance for your home.

Insurance CompanyHomeowners ($250,000)
American International$1,530
Travelers Companies Inc.$1,345
Chubb$1,322
American Family Insurance$1,425
Farmers Insurance Group$1,470
MetLife Inc.$1,315
Nationwide Mutual$1,284
Allstate$1,534
State Farm$1,391
USAA$1,534
Auto-Owners Insurance$1,293
Erie Insurance$1,483
Hartford Financial Services$1,402
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Find Out More About Homeowners Insurance In Other States!


Insurance varies greatly from state to state. Click on your state to find out more specifics about homeowners insurance.

AL AZ AR CA CO CT DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY

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Last Updated on November 11, 2021 by Shawn Christie

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