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Iowa Homeowners Insurance

As a resident of the Hawkeye State, you are no stranger to Iowa's unpredictable weather conditions. From flood, to tornadoes, to blizzards—you've seen it all.

Undoubtedly, you will want to protect your home from potential weather hazards, as well as damaged caused by fire, vandalism and other catastrophes.

Here at InsureMe, our goal is to help you find the right Iowa homeowner's insurance for your treasured abode. Just enter your information to the right and receive up to five free quotes on Iowa homeowner's insurance!

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Do I have to buy Iowa homeowner's insurance?

The State of Iowa does not require you to purchase Iowa homeowner's insurance—but your lender might.

If you finance the purchase of your home, your financial institution or broker may require you to purchase some form of Iowa homeowner's insurance. This protects the lender's investment in the event that your home is damaged or destroyed.

Once your loan is paid off, you may cancel your Iowa homeowner's insurance, but doing so puts your home at great risk for loss.

What kind of Iowa homeowner's insurance should I buy?

There are multiple forms of Iowa homeowner's insurance, however the three most common forms are known as basic, broad and special.

Basic:  Protects your dwelling from 11 basic perils such as fire, lightning, wind, hail and theft.

Broad:  Protects your dwelling from the basic 11 perils plus six more. Additional perils include weight of snow or ice, collapse of structure and damage from household appliances.

Special:  Protects your home from all perils, except for damage or loss caused by flood or earthquake.

Should I buy flood insurance in addition to my Iowa homeowner's insurance?

The Iowa Insurance Division (I.I.D) recommends that all Iowans, even those living in low-risk areas, purchase flood insurance to protect themselves. In fact, the I.I.D. reports that the average cost to repay a disaster home loan is about 12 times as expensive as an annual flood insurance premium.

In addition to your Iowa homeowner's insurance, ask your agent about purchasing flood insurance. If you agent is unable to sell you a policy, contact the National Flood Insurance Program (NFIP) at (888) CALL-FLOOD.

What determines the premium for Iowa homeowner's insurance?

According to the Insurance Information Institute (I.I.I.), the premium for your Iowa homeowner's insurance is likely to be based up on the following factors:

  • The square footage of your home
  • The square footage of any other structures on your property
  • Building costs in your area
  • The amount of crime in your area
  • The likelihood of natural disasters in your area
  • How far your property is from the nearest fire department

How can I save money on Iowa homeowner's insurance?

There are a variety of things you can do to lower your Iowa homeowner's insurance premium.

The I.I.I. suggests doing the following:

Inquire about Discounts—insuring your vehicle with the same company or installing an anti-theft device in your home may warrant a discount on your Iowa homeowner's insurance.

Ask about Group Plans—insuring your home through a group plan, such as one offered by your employer, may be less expensive than purchasing an individual Iowa homeowner's insurance policy.

Buy the Right Amount—insuring your home for the replacement cost will save you money in the long run. Chances are your home and the contents therein will be more expensive to replace than what you bought them for.

Evaluate Your Policy—reviewing your policy every year will ensure that you're not paying for coverage you no longer need. For example, if you sold Grandma's china last year, you will want to cancel the coverage you have for it and pocket the change.

The Number One Way to Save on Iowa Homeowners Insurance is to Shop Around!

Comparing quotes is the best way to save on Iowa homeowner's insurance! Simply enter your information to the right and receive up to five free quotes on Iowa homeowner's insurance today!

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