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IOWA HOMEOWNERS INSURANCE

The Hawkeye State is quickly setting itself apart as one of the best destinations in the Midwest to live. Whether you’re living the city life in Des Moines, Cedar Rapids or Davenport, the rural life in one of the Iowa belt’s farming towns, owning a home is a great accomplishment. It also means you need to protect your life’s biggest investment with the proper homeowners insurance coverage.

Homeowners insurance in Iowa helps ease your peace of mind, protecting your house, belongings, family and finances if you’re hit by one of the state’s many covered perils, such as tornadoes or one of the state’s ruthless hail and rainstorms.

From getting a quote to figuring out what’s covered in an Iowa home insurance policy and understanding the average cost of homeowners insurance in Iowa, here’s everything you need to know about securing the perfect policy.

What’s Covered With an Iowa Homeowners Insurance Policy?

Dwelling Coverage: This covers the actual structure of your home and the components that make it, such as the roof, siding, windows, countertops and flooring. Since it protects the actual home itself, the amount of Coverage A on your policy should be the equivalent, or slightly more, than your home’s value.

Other Structures Coverage: Everything from a white picket fence to a shed — and even a treehouse — are considered other structures. The structures must be on the homeowner’s property, though, and is typically up to 10 percent of the policy’s dwelling limit.

Personal Belongings Coverage: Coverage C is designed to protect the policyholder’s personal belongings that are kept within the home. For homeowners, this coverage can extend to items kept on the property, such as a lawnmower.

Loss of Use Coverage: Arguably the most underrated part of every homeowners insurance policy, loss of use helps to pay for things like equivalent housing and extra everyday expenses if the policyholder’s home is unable to live in after being damaged or destroyed.

Personal Liability Coverage: Protection against accidents that occur on the policyholder’s property, personal liability can provide money for medical bills and legal expenses for incidents when the policyholder is found liable. Coverage extends to incidents like dog bites, major injuries and accidental death.

Medical Payments Coverage: Similar to personal liability, medical payments to others (also called MedPay) covers minor injuries that occur on the policyholder’s property — whether or not they’re found liable for the incident. Policies usually have between $1,000 and $5,000 worth of MedPay coverage.

Which Perils Are Covered by Homeowners Insurance in Iowa?

In terms of susceptibility to Mother Nature’s wrath, Iowa’s climate makes it a unique place to be. Iowa homeowners insurance covers your home and personal belongings from perils like tornadoes, hailstorms, rainstorms and house fires.

  1. Vandalism
  2. Theft
  3. Damage caused by vehicles
  4. Damage caused by aircraft
  5. Rioting or civil disturbances
  6. Smoke damage
  7. Fire or lightning
  8. Windstorm or hail, such as a hurricane or tornado
  9. Explosions
  10. Volcanic eruptions
  11. Frozen pipes
  12. Falling objects
  13. Damage caused by heating, air conditioning or plumbing
  14. Damage due to snow, ice or sleet
  15. Damage from water heater, including cracks, burns or tears
  16. Damage from electrical currents, such as downed powerlines

How Much Is Homeowners Insurance in Iowa?

Year after year, the average cost of homeowners insurance in Iowa tends to be on par with the nation’s average, which is slightly surprising because the state is susceptible to so many perils, both natural and uncontrollable. You can even bring that cost down by getting a quote with Clovered and picking from multiple quotes, carriers and prices!

  • Average Cost of Homeowners Insurance in Iowa: $1,500 per year

How to Get the Best and Most Affordable Homeowners Insurance in Iowa

At Clovered, we’ve cut out the hours-long labor of going from site to site to find the best price. We built a free quoting tool that allows you to get multiple quotes from multiple carriers on a single page so you can get the policy you need at the price you want.

As one of the best Iowa homeowners insurance companies, we’re dedicated to getting you the best prices and providing best-in-class customer service.

You no longer have to jump from site to site to get a home insurance quote you can actually afford. Nope, with Clovered’s intuitive online quoting tool, shopping around is a way of the past. Simply put in your address, fill out some information about your home and instantly get multiple quotes from multiple carriers!