Renters Insurance in Iowa

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

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How to find cheap renters insurance in Iowa


Renters insurance is an optional — but important — product that works to keep your belongings safe in the event your rental property suffers damage from common incidents. A renters policy defends personal items from smoke or fire damage, a wind storm, theft, vandalism, and a number of other misfortunes.

There are relatively large gaps in average renters insurance prices by state. Renters insurance prices by state differ based on the value of — and frequency of — renters insurance claims submitted in that state, and depend on the value of the belongings being insured.

Iowa renters insurance is less expensive than the national average. The average annual cost of renters insurance in Iowa is $124, $61 less expensive than in other states.

The easiest way to acquire a cheap renters insurance policy in Iowa is to shop around and compare rates from as many insurance companies as possible. Get an idea of typical renters insurance rates in Iowa by reviewing the below data. Your rates may vary, depending on your coverage limits and the valuation of your belongings.


Iowa renters insurance:
  1. Rates by company
  2. Rates by city
  3. Insurance bundling discounts
  4. Frequently asked questions


Renters insurance prices in Iowa by company

Prices for renters insurance in Iowa can vary depending on the insurance company you use. Iowa Farm Bureau underwrites the most affordable renters insurance in Iowa, at only $78 per year. This compares favorably to Iowa's average cost of $124, offering a 37% price break on the typical rates in the state.

Start searching for renters insurance by checking out the cheapest Iowa renters insurance carriers, listed below.

Insurance CompanyAverage Annual Rate in Iowa
Iowa Farm Bureau$78.30

Another option to consider is Lemonade. With coverage averaging $8 a month, Lemonade offers instant and affordable coverage. Click below to get started.

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Iowa renters insurance costs: by city

Not all Iowa cities have the same renters insurance rates. Rates are determined based on local variables such as the number of claims filed nearby, lending your ZIP code plenty of weight in deciding how much you pay.

The cheapest renters insurance rates in Iowa are in Clinton. The average renters insurance policy in Clinton runs only $122 every 12 months — $7 less than the state average. Reference the below table to see the cheapest cities in Iowa for renters insurance.

Average Annual Renters Insurance Rate


How to save: bundle renters and auto insurance in Iowa

If you want to save on insurance, consider holding your car and renters policies with the same insurance company. A renters and auto insurance bundle in Iowa can save you a substantial sum each month on your auto insurance bill. In fact, bundling policies in Iowa may generate a yearly discount of $87.

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

One of the best ways to save on auto insurance is to bundle your policies. Compare rates today!


Compare rates from top car insurance companies.

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Iowa renters coverage 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 mandate renters insurance. However, it's generally inexpensive and a good idea.

What does Iowa renters insurance cover?

Iowa state law does not require 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.