Updated: December 4, 2024
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Auto-Owners stands out as the top home insurance company in Iowa, tailored to cater to varied individual needs. Our analysis leveraged a $100,000 dwelling coverage benchmark to gather quotes. The appropriate dwelling coverage level is crucial to determining your premium; understanding this is paramount.
Moreover, MoneyGeek also examined the cheapest home insurance in Iowa, focusing on budget friendliness without compromising service quality.
In Iowa, Auto-Owners is the top choice for homeowners insurance, achieving a MoneyGeek score of 99 out of 100 and offering a competitive premium of $837 per year. It stands out for its exceptional service and affordability, especially for budget-conscious homeowners and those with special needs like veterans or owners of expensive homes. The runner-up, American Family, also offers reliable coverage with a score of 94 out of 100 and an annual premium of $857.
In Iowa, Auto-Owners emerges as the most affordable homeowners insurance provider, offering comprehensive coverage at just $837 per year. This blend of cost-effectiveness and quality makes it an excellent choice for budget-conscious homeowners without sacrificing service. Meanwhile, American Family is a noteworthy runner-up, providing competitive service for those considering alternative options.
In Iowa, Auto-Owners is the best homeowners insurance provider for customer service, earning a MoneyGeek score of 99 out of 100. For homeowners seeking alternative options, American Family is the runner-up with a score of 94 out of 100.
Why Trust MoneyGeek? Our research utilizes information from the Iowa Department of Insurance and Quadrant Information Services, pinpointing top homeowners insurance for Iowa residents.
Home insurance rates in Iowa represent the latest quotes as of July 2024.
Discover that Auto-Owners offers the best home insurance in Iowa, according to an evaluation by MoneyGeek. These rankings highlight Iowa's premier home insurance providers. Take a look at the best overall homeowners insurance providers in Iowa below.
In Iowa, homeowners have a myriad of options with differing cost and service experiences.
In Iowa, Auto-Owners Insurance scores best in affordability, with an annual premium of $837. Consider the guaranteed replacement cost, which provides full home rebuilding costs, regardless of policy limits. Additionally, the equipment breakdown coverage offers protection against mechanical failures that home warranties might not cover.
Auto-Owners is the top pick for providing the best home insurance in Iowa based on service quality. The providers highlighted below represent the finest in Iowa, showcasing exceptional service quality that sets the precedent for homeowners insurance.
Valuing service quality in a home insurance provider is key for homeowners seeking reliable and responsive support, especially during stressful times such as after a damaging storm.
Auto-Owners Insurance delivers exceptional service in Iowa, reflected in their impressive customer satisfaction score of 62 out of 65. Homeowners can expect a high-quality experience at an average annual premium of $837.
Building ordinance or law is an add-on coverage that adapts your home to meet current building codes during repairs, which can be critical after a loss. Equipment breakdown coverage protects against sudden malfunctions, ensuring homeowners aren't out of pocket for essential appliances or system repairs.
Auto-Owners tops the list for budget-conscious homeowners. Below are the best and cheapest homeowners insurance providers in Iowa tailored for those on a budget.
Auto-Owners Insurance has an exceptional affordability score of 75 out of 75. While searching for the average cost of home insurance in Iowa, consider that the cheapest premiums don't always equate to the best service. Opting for a provider that offers a balance between cost and service is crucial. For instance, a company with a higher premium may offer better assistance during a claim, making a stressful situation easier.
Auto-Owners Insurance in Iowa boasts a perfect affordability score of 75, with an average annual premium of $837. Homeowners on a budget will find this blend of value hard to beat.
Homeowners can save even more thanks to a range of available discounts, including Bundle and Protective Device discounts, which offer savings for bundling policies and installing safety devices, respectively. Guaranteed Replacement Cost coverage ensures your home's full rebuilding cost, while Scheduled Personal Property provides extra protection for valuable items.
Auto-Owners is the top choice in Iowa for homeowners with expensive homes. These providers ensure the best coverage, including up to $1 million in dwelling coverage, for high-end properties.
Auto-Owners boasts an affordability score of 52 out of 55. Premiums for luxury homes can be higher due to increased coverage needs. Hence, it's critical to choose an insurer that delivers a mix of great price and service.
Auto-Owners Insurance is the leading provider of home insurance for expensive homes in Iowa, with an affordability score of 52 out of 55. Homeowners can expect an average annual premium of $4,582.
Expensive homes can benefit from additional savings, such as the protective device discount, which offers savings for installed safety features like smoke detectors and security systems, helping reduce the cost of necessary broader coverage. Auto-Owners offers a variety of add-on coverages for added protection.
Auto-Owners offers the best home insurance in Iowa for those with new homes. Take a look at the best and cheapest homeowners insurance providers in Iowa for those with new homes below.
With an affordability score of 49 and a perfect service score of 30, Auto-Owners Insurance provides Iowa homeowners with an excellent balance of cost and service for new homes.
Auto-Owners Insurance rises as the optimal home insurance provider for Iowa's new homeowners, with an average annual premium of $1,311. Home insurance savings come through unique perks, like the responsible payment discount, rewarding consistent timely payments and the automatic backup generator discount, benefiting those who proactively mitigate power loss risks.
For veterans and military members in Iowa, Auto-Owners stands out with the highest MoneyGeek score. Offering tailored coverage, their policy comes with an impressive annual premium of $837. Explore the best and cheapest homeowners insurance providers in Iowa for veterans and military families below:
The ideal homeowners insurance for veterans appreciates the particular challenges they face, including the possibility of frequent moves and deployment. This understanding is key to ensuring their home and possessions are fully protected, regardless of the circumstances. Visit homeowners insurance for veterans for more information.
Auto-Owners excels as the top home insurance choice for veterans in Iowa, with an affordability score of 55 out of 55 and a customer claims satisfaction rate of 18 out of 30, accompanied by an average annual premium of $837.
Veterans may appreciate Auto-Owner's reasonably rare discounts for responsible payment, which rewards a history of on-time payments, and a discount for having an automatic backup generator, which ensures readiness and protection against power outages.
Your choice in homeowners insurance should be tailored to satisfy your specific coverage requirements and financial constraints. The following steps will guide you in securing the homeowners insurance that best fits your unique needs.
Determine the extent of protection you require for your dwelling and possessions. Begin by taking an inventory of your home's contents, its replacement costs and any unique valuation considerations. A thorough understanding will guide you in determining how much home insurance coverage you need.
Embark on evaluating prospective insurers. Look into their financial strength, customer service reputation and any endorsements or complaints. Read reviews and gather first-hand accounts if possible.
Once you've identified potential insurers, analyze the specifics of their policies. Examine deductibles, coverage types and exclusions. Equally important is to investigate the rates — compare home insurance quotes to find competitively priced options that don't compromise on your coverage needs.
Make sure you're conversant with the terms of your policy, such as actual cash value vs. replacement cost, and understand how claims are processed.
For tailored guidance, engage with an independent insurance agent. They can assist in finding a match for your unique requirements. Their expertise can be invaluable in navigating the complexities of homeowners insurance, ensuring you make the best decision for your home.
Flood insurance is not mandated for Iowa homeowners by law. Still, obtaining flood insurance in Iowa can be a wise investment for those in flood-prone areas.
Selecting the best homeowners insurance provider in Iowa is a personal choice, tailored to your unique coverage needs and budget. To aid in your decision-making, here are some frequently asked questions about Iowa's top homeowners insurance options.
The best overall home insurance provider in Iowa is Auto-Owners Insurance, with a MoneyGeek score of 99 out of 100, charging an average annual premium of $836. For more details, please see the section titled best overall home insurance in Iowa.
Auto-Owners Insurance also offers the cheapest homeowners insurance in Iowa, with an average annual premium of $837. Homeowners may lower their premiums further if they qualify for discounts.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
