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

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
  1. $78
  2. Des Moines, IA Monthly average home insurance cost
  3. The average monthly cost of home insurance in Des Moines is $78.
  4. Homeowners insurance rates can vary from one property owner to the next. Your actual rate will be based on factors like the size, value, and location of your home, the materials used in your house’s construction, and the crime rate and weather risks in the ZIP code in which your property is located.
  5. One of the most common hazards faced by homeowners in Des Moines is property crimes. With around 2,000 reported burglaries a year, this city has one of the highest burglary rates in the state. Fortunately, your homeowners insurance covers against property loss and damage to your home if you are the victim of a property crime. 

  1. $74
  2. Cedar Rapids, IA Monthly average home insurance cost
  3. The average monthly cost of home insurance in Cedar Rapids is $74.
  4. Because your homeowners insurance is completely customized to you and your house, your actual monthly premium may be higher or lower than this average rate. Insurance companies consider your home’s size, value, location, and other factors when they calculate your costs. 
  5. Severe storms in Cedar Rapids have been known to cause significant damage to area homes. Whether due to lightning strikes, high winds, hail, or toppled trees, this damage can be extremely expensive to repair. In August 2020, this city experienced a storm that brought winds of up to 90 mph. The resultant damage was so extensive that many thought the city had been hit by a tornado. Fortunately, you can expect your home insurance to cover against damage caused by severe weather events such as this one.

  1. $76
  2. Davenport, IA Monthly average home insurance cost
  3. The average monthly cost of home insurance in Davenport is $76.
  4. Of course, what you may actually be asked to pay is likely to be differ from this amount, because rates are based on specific details about your property. Your rate will be calculated according to factors like the size and age of your house, the materials used in its construction, the crime rate and weather risks in your ZIP code, your claims history, and sometimes even your credit score. 
  5. Hailstorms can pose a quite problem in Davenport, as well as throughout this state, which sees about 6,000 hail claims a year. During a storm in August 2020, Davenport residents reported hailstones as large as 2.75 inches in diameter. Hailstones that exceed 1 inch in diameter can cause significant destruction to your roof, siding, and peripheral structures. Fortunately, your homeowners insurance can cover the costs associated with repairing or replacing your damaged property.

  1. $61
  2. Sioux City, IA Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Sioux City is $61.
  4. Your house is not the same as every other house in your neighborhood. While you and your neighbors may face the same crime and weather risks, your homeowners insurance premium is also based on factors like the size, age, and value of your home, the age of your roof, your claims history, and, at times, even your credit score. Your quoted rate for Sioux City homeowners insurance may therefore be higher or lower than this average.
  5. This city sometimes sees torrential downpours, such as when a bomb cyclone brought several inches of rain to the Siouxland area in March 2019. This heavy precipitation led to flooding throughout the city. It is important to keep in mind that although homeowners insurance covers against most severe weather events, it does not cover flood damage. It is therefore a good idea to invest in a supplementary flood insurance policy through the National Flood Insurance Program (NFIP). 

  1. $107
  2. Iowa City, IA Monthly average home insurance cost
  3. The average monthly cost of home insurance in Iowa City is $107.
  4. Of course, not all Iowa City homeowners will pay the same for their home insurance. Your monthly rate is based on the crime and weather risks in your ZIP code, the age, size and value of your home, the building materials used in your house’s construction, your claims history, and more.
  5. One of the most devastating things a homeowner can experience is a house fire. In addition to damaging the structure of your house, a fire can lead to the total loss of your personal belongings, including furniture, clothing, electronics, kitchenware, and family heirlooms. Homeowners insurance can’t bring back your irreplaceable property, but it can give you peace of mind through financial compensation. You will want to be sure that your dwelling coverage is high enough to enable you to rebuild your home and that your contents coverage is high enough to cover the cost of replacing your lost or damaged property.