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Iowa Homeowners Insurance Quotes

If you are shopping for Iowa homeowners insurance quotes, you should know the days of sacrificing coverage for a budget friendly premium are over. With Iowa homeowners can find policies that offer both protection and savings.

Our licensed agents find you best deals by comparing multiple quotes from Iowa's top providers. You'll work one-on-one with an agent until you find a policy that saves you money and gives you the peace of mind coverage you deserve.

Your time is valuable, so why waste it searching around for different homeowners insurance quotes? Let one of our dedicated agents do the comparison shopping for you. Call now and you can get the benefit of up to eight Iowa homeowners insurance quotes.

Look at our most recent Iowa homeowners insurance quotes

Want to get an idea of how much you might pay for homeowners insurance in the Hawkeye State? Take a look at the details of the last five policies written in Iowa by agents. Keep in mind factors such as square footage and location affect the premium.

Home 1Home 2Home 3Home 4Home 5
Premium Amount $965 $846 $584 $688 $964
Premium with Auto Discount$820†$719†$496†$585†$819†
Carrier Safeco Safeco Safeco Safeco Liberty Mutual
Zip 50311 52302 50317 50648 50313
Year Built 1949 2006 1989 2002 1908
Foundation type Basement Basement Slab Basement Basement
Lot Size 10,672 Sq Ft N/A 7,492 Sq Ft N/A 6,664 Sq Ft
Square Feet 1,648 Sq Ft N/A 744 Sq Ft N/A 856 Sq Ft
Bedrooms 3 N/A 3 N/A 3
Bathrooms 2.0 N/A 1.5 N/A 2.0

Primary Heat Source Central Gas Central Gas Central Gas Central Gas Central Gas
† Estimate if the homeowner had bundled coverages.

Find out if you are paying too much for homeowners insurance by comparing multiple quotes today. Just enter your ZIP code in the form above or call us directly at 1-877-919-2740 to get Iowa homeowners insurance quotes customized for you.

Home insurance rates in Iowa

Homeowners in Iowa are paying around $782.00 for home insurance as of March of 2014. Rates have increased since February when Iowa homeowners insurance premiums were approximately $750.00. The rate of $782/year reflects standard coverage and does not include flood or earthquake damage which is covered under a separate policy.

Even when average homeowners insurance premiums go down, IA homeowners should always be aware of how much they are paying for their premiums and searching for additional ways to save. With rates going up and down, homeowners should shop coverage once a year to look for a lower premium.

Discounts are another easy way to save money and the agents at are always looking for price breaks for their customers. Here are some common discounts that offer notable savings:

  • Bundling: When customers bundle their home and auto policies with one provider, they are often rewarded with discounts of up to 20%. The convenience of having your policies under one company is just an added bonus.
  • Fire safety: House fires can be devastating. Reduce your chances of one happening to your home by installing fire alarms and a sprinkler system. These items can also warrant savings of up to 5% on your premium.
  • Claims-free: Homeowners who have haven't filed a claim within the past 10 years are considered to be less of a risk to insurance providers and therefore often receive discounts of up to 20%.

Standard Iowa homeowners insurance coverage

When you buy home insurance, one thing you should now is what's included. Here are protections that typically are part of standard home insurance.

  1. Dwelling: Protects the structure of your home against damage and possible loss in the event of a covered peril such as wind, hail or fire.
  2. Other Structures: Standard IA policies provide coverage for detached buildings on your property. Fences would typically be included in this coverage.
  3. Contents/Personal Property: Offers protection for the personal items inside you home in the event they are stolen or destroyed by a covered peril. This can include items such as furniture, electronics and clothing. Some high-value items such as furs or jewelry may require additional coverage.
  4. Loss of Use: Standard Iowa homeowners insurance often provides coverage for living expenses in the event you are displaced from your home due to a covered claim. This could include hotel and restaurant bills.
  5. Personal Liability Protection: Covers you in the event that a lawsuit is filed against you for bodily injury or property damage.
  6. Medical Payments: Helps cover medical expenses that you might be held responsible for if a visitor sustains an injury on your property but doesn't sue you.

Will your homeowners insurance coverage weather Iowa's storms?

The U.S. sees about 1,000 tornadoes on average each year with the majority happening in a region deemed 'Tornado Alley.' The Hawkeye State makes up part of this region and experiences an average of 37 tornadoes each year.

These powerful twisters can destroy a home in a matter of seconds; and without a standard home insurance policy, replacement and repair would be astronomically expensive. Standard Iowa homeowners insurance policies are important because they offer wind coverage, which means your home would be covered in the event of a tornado. Hail and lightning, common in Iowa's powerful thunderstorms, are also covered by standard policies.

Earthquake and flood damage, however, are not covered by standard Iowa homeowners insurance. Homeowners need to purchase a flood policy through the National Flood Insurance Program in order to keep their homes protected from rising water. For earthquakes, homeowners can also purchase a separate policy. Mother Nature's wrath can be powerful and unexpected so it's always better to be safe than sorry.

For more information on insurance in the state of Iowa, visit the Iowa Insurance Division.