Homeowners Insurance in Waukee, IA

Find out where you can get affordable coverage near you, what to look for, and more in in Waukee, Iowa.

Christine Lacagnina Written by Christine Lacagnina
Christine Lacagnina
Written by Christine Lacagnina

Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.

paul martin Reviewed by Paul Martin
paul martin
Reviewed by Paul Martin

Paul Martin is the Director of Education and Development for Myron Steves, one of the largest, most respected insurance wholesalers in the southern U.S.

Luxury Property on Sunny Day of Summer. How to Find the Best Homeowners Insurance in Waukee, Iowa.

The estimated median house or condo value in Waukee is considerably higher than the state of Iowa overall. House and condo values average $273,469 in Waukee, compared to the statewide average of $158,900. Since your property is so valuable, it's critical to protect it with enough homeowners insurance. 

An independent insurance agent in Waukee can help you get equipped with all the homeowners insurance you need to protect your investment. They'll get you the coverage required to tackle losses after many different disasters. But for starters, here's a closer look at homeowners insurance in Waukee, Iowa. 

What Is Homeowners Insurance?

Homeowners insurance is a policy intended to reimburse homeowners for many different types of losses related to property disasters. Many incidents are covered, including vandalism, fires, hail, falling objects, wind, and more. Your home insurance also covers your personal liability if you get sued and temporary losses of use of your home.

What Does Homeowners Insurance Cover in Waukee, IA?

You can expect most home insurance policies to come with the same core coverages, which are:

  • Contents coverage: If a covered disaster like a fire damages or destroys your furniture, clothing, collections, silverware, etc., your home insurance can reimburse you for the loss.
  • Additional living expenses: If a covered disaster like a fire or explosion damages your home so badly that you must stay somewhere else during the repair process, your home insurance can reimburse you for extra costs like lodging, meals, etc.
  • Dwelling coverage: If a covered disaster like a lightning strike damages your home's structure, your homeowners insurance can help reimburse you for repair or rebuilding. 
  • Liability coverage: If a third party sues you for bodily injury or property damage, your home insurance can help cover your legal expenses, like attorney fees.

A local independent insurance agent in Waukee can help you find a homeowners insurance policy with all the coverages you need to feel like your home is adequately protected.

What's Not Covered by Homeowners Insurance in Waukee, IA?

Like every other type of coverage, homeowners insurance also has its exclusions. 

Home insurance in Waukee, IA does not cover:

  • Lawsuits related to dishonest, malicious, or intentional acts by you
  • Costs related to routine maintenance for the home
  • Damage caused by nuclear fallout or war
  • Damage caused by natural floods or earthquakes
  • Damage caused by insects, termites, or other pests

Talk with your independent insurance agent in Waukee about adding separate flood insurance and earthquake insurance policies to your home insurance. Since these natural disasters are excluded from home insurance, you might want to add these coverages before it's too late.


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How Much Does Homeowners Insurance Cost in Waukee, IA?

In Iowa, residents pay lower than the current national average rate for their homeowners insurance. While the national average is $1,211 per year, coverage in Iowa costs just $964 annually, on average. An independent insurance agent in Waukee can certainly help you get set up with an affordable policy from a local carrier.

The Most Common Home Disasters in Waukee, IA

Iowa has a specific set of home disasters that occur more commonly than others. These are:

  1. Flooding and water damage
  2. Severe storms and lightning damage
  3. Tornadoes
  4. Severe ice storms and freezing
  5. Burglary and other property crimes

With flooding and water damage being the most common home disaster in Iowa, that's all the more reason to consider getting a flood insurance policy ASAP. Home insurance can cover many of these other disasters, including burglary and tornadoes. 

Cheap Homeowners Insurance Near Me

It's important to spend a little more money on your homeowners insurance so that you get a policy with high enough coverage limits to cover an entire claim. Paying a bit more for your premiums can also mean you get a lower deductible and don't have to pay as much out of pocket before getting reimbursement for a claim.

Spending more than the bare minimum on your home insurance is also a good way to get matched to a reputable carrier. But don't just judge an insurance company by their rates alone, be sure to look up customer reviews before you buy a policy from them. Your independent insurance agent in Waukee can also recommend local carriers with a long history of customer satisfaction and successful claims history.

Who Are the Best Homeowners Insurance Companies in Waukee, IA?

We're here to help simplify your homeowners insurance journey even further. Check out just a few of our top recommendations for quality, affordable homeowners insurance companies in Waukee, IA below.

Top Homeowners Insurance Companies in Waukee, IA Star Rating
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Why Work with an Independent Insurance Agent in Waukee, IA?

There's no such thing as a one-size-fits-all homeowners insurance policy. With a wide variety of products and options at your disposal, you can put together a solid home insurance package that's custom-built for you and your family.

An independent insurance agent can help you choose the right policies and options to meet your specific coverage needs. Because they're independent, these agents can work with several of the best homeowners insurance companies in Iowa to find you the right coverage at a great price.

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