Homeowners Insurance in Iowa

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

Get cheap homeowners insurance in Iowa


Home insurance is an optional — but important — product that works to keep your belongings safe in the event your home suffers damage from common incidents. A homeowners insurance policy protects your dwelling, personal property, and other buildings against a number of misfortunes, including wind damage, fire, theft, vandalism, and more.

Major discrepancies exist in homeowners insurance costs from state to state. Insurance policy costs in US states differ depending on the frequency of — and value of — home policy claims filed in that particular state, and also on the value of the belongings and home insured on the policy.

The best way to acquire an affordable homeowners insurance policy in Iowa is to view prices from multiple companies. Get an idea of home insurance rates in Iowa via the below data. Remember: your rates will vary, depending on your coverage limits.


Iowa home insurance:
  1. Homeowners rates by company
  2. By city
  3. Insurance bundling discounts


Homeowners insurance rates in Iowa by carrier

Rates for home insurance in Iowa can vary depending on the insurer you choose. Liberty offers the best deal on home insurance in Iowa — $811 per year. This compares favorably to the state average cost of $1,583, providing a $773 discount on the typical rates in the state.

Begin the hunt for affordable homeowners coverage by checking out the cheapest Iowa insurance companies, detailed below.


THE CHEAPEST HOMEOWNERS INSURANCE COMPANIES IN IOWA
Insurance CompanyAverage Yearly 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 home insurance costs: by city

Not all Iowa cities have equal homeowners insurance rates. Rates are determined based on on city-specific variables, including the number of claims filed in the immediate area, giving your ZIP code weight in deciding how much you pay.

The cheapest home insurance rates in Iowa are available in Bettendorf. The average homeowners insurance policy in Bettendorf runs only $1,352 every 12 months — $231 less than the average Iowa rate. The below table shows the best places to live in Iowa if you’re looking for cheap homeowners insurance.


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


Tip: bundle home and auto insurance in Iowa

If you're trying to save, consider purchasing both your home 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 bill. Bundling policies in Iowa may generate yearly savings of $100.


HOME AND AUTO INSURANCE BUNDLING DISCOUNTS IN IOWA
Avg. Yearly Auto Insurance Rate (No Bundle)Avg. 12-Month 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. Start shopping today!


Compare rates from top car insurance companies.

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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/)