How does your city measure up to the national average?

National average burglary rate 3.76 per 1,000 people

National average home value $269,000

National average home insurance cost $1,211 year

CityAvg. home valueBurglaries / 1,000 ResidentsAnnual insurance cost
Cedar Falls$195,9503.07$1,115
Cedar Rapids$143,6007.04$891
Council Bluffs$127,6506.96$795
Des Moines$134,30010.99$933
Iowa City$219,1004.11$1,284
Sioux City$115,7007.38$728
West Des Moines$248,7582.24$1,420

Commonly Asked Questions about Homeowners Insurance in Iowa

The average cost of Iowa homeowners insurance is $964 per year, which is less expensive than the national annual figure of $1,211. To find your exact pricing, get multiple quotes through a qualified adviser.

Each carrier uses various items when quoting your homeowners coverage. Here are some simple ways to get the best home insurance rates in Iowa:

  • Keep your claims history clean for as long as possible
  • Only file the larger losses that you can't handle
  • Ask for multiple policy discounts 
  • Make home updates

When searching for the best home insurance in Iowa, it's important to obtain quotes from several carriers. Fortunately, a licensed independent agent has access to dozens of markets at once so you can save time and money. Plus, they do the shopping for free, making it a no-brainer.

Iowa homeowners insurance rates are calculating using risk exposures in your area. Take a peek at what carriers use when quoting your home coverage:

  • Replacement cost of dwelling
  • Coverages selected
  • Past claims reported
  • Local crime rates
  • Disasters reported in the area

Yes, you will have the opportunity to choose among 720 Iowa independent insurance agencies currently in operation. A trusted adviser will walk you through the process and quote with multiple markets for free, making it super-simple.

In Iowa, the best carrier for your homeowners insurance is relative. However, there are some that stand out from the rest. Selective, Safeco, Travelers, and West Bend insurance companies come highly rated for excellent claims handling and customer service. 

Do You Know What Your Iowa Home Insurance Covers?

Find the Best Homeowners Insurance in Your City