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On average, American homeowners pay $1,211 per year for their home insurance coverage. However, in Iowa, the average annual premium is lower at just $964 a year.
Even though the price you are paying for home insurance may seem like a lot of money, having this coverage is important because hazards like severe weather events, accidental fires, and property crimes can result in expensive losses for Iowa homeowners who are not insured.
Your home insurance policy is designed to cover you against many of the hazards you are likely to face as a property owner in Iowa. Whether you're looking at costs related to a fire, hailstorm, tornado, or a rash of burglaries, you're covered if you have a suitable Iowa homeowners insurance policy.
Let’s look at the kinds of coverage your Iowa policy can provide:
We can’t be 100% certain, but in 2016, insurance companies paid out more than $291 million in home insurance claims in the state of Iowa alone. That's a lot of unfortunate events happening to Iowa homeowners.
Insurance companies base their home insurance rates on the value of your property and how likely it is that something bad will happen. The higher the probability that a damaging event will affect your property, the more expensive your home insurance policy will be. These potentially damaging events are called "risks” or “exposures.”
Let’s take a look at how Iowa compares to the rest of the United States.
The burglary rate in Iowa is slightly lower than the national average. Insurance companies will look at crime rates in your particular ZIP code when determining how high your premiums will be.
Several insurance companies offer policy discounts to homeowners who have burglar alarms, deadbolt locks, and other security features installed in their homes. Talk to a local independent agent to learn whether you qualify for this discount.
Severe weather events, including hailstorms and heavy winds, can wreak havoc on residential properties in this state. Be sure that your home insurance provides all the coverage you need before disaster strikes.
The size of your home can affect your home insurance rates, since larger homes tend to have more personal property inside them. The estimated cost to rebuild your home will also play a large role in how much your home insurance costs.
In Iowa, the average home value is lower than the national average. This helps to keep insurance costs manageable in this state, despite its severe weather risks.
Yes! There are currently 720 independent insurance agents in Iowa who are ready to help. Did you know that independent insurance agents can work with several different insurance providers to find you the best rate for coverage? Working with these agents enables you to buy a policy that meets all your coverage needs at a price you can afford.
No single insurance company is “best” for everyone. That is why independent agents compare policies and rates from multiple companies to find you the policy that is best able to meet your coverage and budgetary needs.
National average burglary rate 4.69 per 1,000 homes
National average home value $188,900
National average home insurance cost $1,173 year
|City||Avg. home value||Burglaries / 1,000 homes||Annual insurance cost|
|West Des Moines||$248,758||2.24||$1,420|