IOWA RENTERS INSURANCE
As a renter in Iowa, you can choose from many different options of Iowa renters insurance. But that may mean you need to jump from site to site searching for the best price. With Clovered’s intuitive online quoting tool, finding the best renters insurance in Iowa is easier than ever!
Whether you’re renting in Cedar Rapids, Des Moines, Davenport, Sioux City or one of the other amazing towns in The Hawkeye State, getting the best renters insurance in Iowa has never been easier. We partner with many of the state’s top companies to provide cheap renters insurance for nearly everyone in the state.
What’s Covered With an Iowa Renters Insurance Policy?
From how much is renters insurance in Iowa to what it covers and everything in between, this is what you need to know about your renters insurance in Iowa.
Personal Belongings Coverage: As a renter, you have belongings and you need them to be protected in the event of a hurricane, break-in or other peril. Renters tend to undervalue their belongings, so make sure you calculate the cost of your clothes, electronics and all other personal items you keep on the property.
Loss of Use Coverage: If the rental unit you live in gets damaged or destroyed and you’re forced to leave your home temporarily, loss of use coverage can help with the costs of finding a new home, storage unit to store your belongings, gas and food that you wouldn’t have otherwise spent and even boarding for your pets.
Personal Liability Coverage: Accidents happen. It’s a fact of life. Personal liability can protect your financial wellbeing if a guest of another person is injured on your property and you’re found liable. This coverage is typically $100,000 and goes toward covering medical bills and legal expenses for things like dog bites and major injuries.
Medical Payments Coverage: Medical payments to others covers the more minor injuries that occur on your property. Unlike liability coverage, the injury doesn’t have to have been your fault. MedPay, as it’s often called, usually provides $1,000 to $5,000 that can be used for things like X-rays, physical therapy and doctor visits relating to the injury.
How Much Is Renters Insurance in Iowa?
Iowa renters insurance is well below the national average. The average cost of renters insurance in Iowa is about $125 per year, which is nearly $50 below the national average.
That’s incredibly cheap when you consider the average renters insurance policy in Iowa provides you with about $30,000 worth of coverage for all your personal belongings, another $100,000 in liability coverage, and may even add some loss of use coverage that kicks in if a covered peril unexpectedly forces you from your home.
- Average Renters Insurance in Iowa Cost: $125 per year
Is Renters Insurance Required in Iowa?
By law, renters insurance is not required in Iowa. However, if you’re renting a house or apartment from a landlord who doesn’t own a slew of rental properties, they may be allowed to add a clause in the lease that requires you to maintain adequate coverage. Still, it’ll only set you back about $11 per month, so it’s well worth it.
How to Get Cheap Renters Insurance in Iowa
If you’re looking for cheap renters insurance in Iowa, you don’t have to settle for the average cost. Simply get a quote from Clovered and we’ll pair you with multiple policies that sufficiently cover you and your belongings. Simply choose the price you want to pay and your policy will go into effect immediately!