Iowa Renters Insurance

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

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Get cheap renters insurance in Iowa

Renters insurance isn't required, but it is important. A renters policy keeps your personal items protected. A renters insurance policy defends household items in the event of fire, smoke damage, a wind storm, vandalism or theft, and a collection of other circumstances.

Unlike car insurance, renters insurance isn't priced based on state laws. That said, there are surprisingly large differences in insurance pricing from state to state. Insurance policy rates in states differ depending on the number and value of renters claims filed in that state, and also on the value of the belongings you're covering.

Iowa renters insurance is cheaper than the nationwide average. The typical annual renters insurance rate in Iowa is $124, $61 less expensive than the national average.

The easiest way to find a cheap renters insurance policy in Iowa is to compare rates from as many insurance companies as you can. Learn how much renters insurance costs in Iowa by referencing the below tables. Individual rates may vary depending on coverage options and the value of your belongings.

Iowa renters insurance:

  1. By insurance company
  2. By city
  3. Bundling
  4. Frequently asked questions

Renters insurance prices in Iowa by insurance company

Renters insurance prices in Iowa vary based on the insurer you choose. Iowa Farm Bureau offers the most affordable renters insurance in Iowa — just $78 yearly. This beats the state mean cost of $124, providing a 37% price cut on the typical rates in the state.

Start shopping for cheap renters insurance by reviewing the cheapest Iowa insurance companies, detailed below.

CompanyAverage Annual Rate in Iowa
Iowa Farm Bureau$78.30

Iowa renters insurance costs by city

Renters insurance rates in Iowa vary by city. Policy pricing may depend on city-specific variables, including the number of local claims filed, lending your ZIP code plenty of weight in deciding how much you pay.

The cheapest renters insurance in Iowa is found in Clinton. An average renters insurance policy in Clinton costs $122 per year — $7 less than the average Iowa rate. The below cities have the most affordable renters insurance in Iowa.

CityAverage Annual Renters Insurance Rate

Iowa insurance bundling discounts: renters and auto

If you want to save on insurance, consider purchasing your renters and car insurance policies from the same company. A renters and auto insurance bundle in Iowa can lead to substantial savings on your auto insurance bill. In fact, bundling policies in Iowa may generate yearly savings of $87.

Avg. Yearly Auto Insurance Rate (No Bundle)Avg. 12-Month Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %

One of the best ways to save on auto insurance is bundling. Get started today!

Iowa renters insurance FAQs

Does Iowa require renters insurance?

The state of Iowa will not require you carry renters insurance. Your landlord or property owner you are renting from might. However, it's generally inexpensive and a good idea to buy to protect your assets.

What does Iowa renters insurance cover?

Iowa state low does not require any specific coverage for renters. However, a basic policy you can buy will typically include coverage for your contents, your liability, your additional living expenses, and any medical payments to others.

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