Homeowners Insurance in Iowa

Shopping for homeowners insurance doesn’t need to be complicated. Compare rates from Iowa by city and insurance company below.

How to get affordable homeowners insurance in Iowa


Homeowners insurance may be optional, but it's important. It helps to protect your belongings in the event your house is damaged. A home insurance policy covers your home and your items in the event of a number of misfortunes, such as wind damage, fire, theft, vandalism, and more.

Unlike auto insurance, home insurance is not priced based on state-level legislation. That said, major gaps exist in home insurance rates on a state-by-state basis. Home insurance prices in states vary depending on the frequency and value of home policy claims filed in the state, and depend on the value of the dwelling and belongings being insured.

The easiest way to find a cheap home insurance policy in Iowa is to view prices from as many insurance companies as you can. Get an idea of home insurance rates in Iowa by reviewing the below data. Remember: your rates may differ, depending on your coverage limits.


Iowa home insurance:
  1. Homeowners rates by company
  2. Homeowners rates by city
  3. Bundling home and auto insurance
  4. FAQs

Home insurance prices in Iowa by insurance company

Home insurance prices in Iowa can vary depending on the insurance company you select. Liberty provides the most affordable home insurance in Iowa, at just $811 per year. This compares favorably to the state average cost of $1,583, providing a $773 discount on rates typical to the state.

Start shopping for affordable coverage by reviewing the best Iowa companies, listed below.


AFFORDABLE HOME INSURANCE COMPANIES IN IOWA
CompanyAverage Annual Rate in Iowa
Liberty$810.84
IMT$1,079.81
West Bend Mutual$1,222.84
Shelter$1,362.42
AAA$1,380.52

Iowa homeowners insurance by city

Homeowners insurance rates in Iowa differ by city. Policy rates rely on on locally specific variables such as the number of homeowners claims filed nearby, lending your ZIP code plenty of weight in deciding how much you pay.

The cheapest homeowners insurance in Iowa is found in Bettendorf. A typical home insurance term in Bettendorf totals just $1,352 annually — $231 less than the state average. The below cities have the most affordable homeowners insurance in Iowa.


AFFORDABLE HOME INSURANCE BY CITY IN IOWA
CityAverage Yearly Home Insurance Rate
Bettendorf$1,352.41
Davenport$1,363.98
Dubuque$1,373.03
Clinton$1,382.16
Marion$1,388.03

Save by bundling home and auto insurance in Iowa

If you want to save on homeowners insurance, consider purchasing both your homeowners and auto insurance policies from one company. A home and car insurance bundle in Iowa can save you a substantial sum each month on your auto insurance policy. Bundling policies in Iowa leads to an average annual savings of $100.


HOME AND AUTO INSURANCE BUNDLING SAVINGS IN IOWA
Avg. Yearly Auto Insurance Rate (No Bundle)Avg. Annual Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %
$980.00$880.00$100.0011%

A great way to save is to bundle your auto and homeowners insurance policies. Compare rates today!



Iowa home insurance FAQs


What are Iowa's non-renewal homeowners insurance laws?

There are no state laws that dictate non-renewal policy. Instead, it's specific to every individual insurance company. Typical non-renewal reasons are failure to pay premium, claims history, or physical characeristics of your home or location than deem you too high risk for your insurance provider.

Does GEICO sell homeowners insurance in Iowa?

Yes - GEICO sells homeowners insurance in Iowa.


Home insurance and tornadoes in Iowa

A tornado can hit with precious little warning. There is little one can do to get ready and the effects are usually devastating. As such, it's vital to protect your home against tornado damage in Iowa, which averages 49 tornadoes per year.*

Damage from tornadoes is typically caused by wind, so make sure your home insurance policy has windstorm protection, which is standard in most homeowners policies.

Wind protection covers the exterior and overall structure of the building. However, depending on the type of policy you have, damage to the building's interior may only be covered when it occurs as caused by exterior damage, like a window breaking. Detached structures on the property are also covered, typically about 10% of the home’s insured amount. Keep in mind that some losses caused by the storm may not be covered. For instance, if the storm that produced the tornado also causes flooding that damages your home, your home won't be covered unless you have specifically purchased flood insurance.

*Source: NOAA'S National Weather Service (https://www.spc.noaa.gov/gis/svrgis/)


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