The 3 Best Iowa Homeowners Insurance Companies

Iowa’s harsh weather conditions create an increased risk of property damage due to hazards like flooding and frozen pipes. However, annual premiums in the Hawkeye state average just $919, according to the Insurance Information Institute, well below the national average of $1,173.

Iowa residents need to keep in mind that flood insurance is not included in a standard policy, so opting for a provider that has the right balance of easily customizable coverage and an affordable baseline is key. To help you find a company that matches what you’re looking for, we’ve outlined our top picks for homeowners insurance in Iowa. We’ve also included an convenient online quote tool so you can instantly compare policies and prices in one place:

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Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.

State Farm

State Farm is a great choice for Iowa homeowners insurance because the company offers affordable, customizable coverage options for just about any type of dwelling or living situation. State Farm extends policies for single-family homes, condos, farms/ranches, and manufactured homes, so regardless of what type of Iowa residence you’re looking to insure, you can find what you’re looking for with State Farm.

In addition to their standard policy, State Farm extends add-on options to protect against personal injury and liability, and offers increased protection for home businesses and in-home day care centers.

State Farm’s Discount Double Check feature guarantees that you’re receiving every premium deduction you’re eligible for, so you can cut out the guesswork. Discount offerings include those for bundling policies, installing security devices like deadbolts and fire alarms, owning a home monitoring system, building your roof with impact-resistant materials, and opting for higher deductibles. State Farm also provides special discounts on home automation and security systems to customers, so you can save twice and increase the security of your home.

Allstate

Allstate offers flexible policy coverage options, multiple discount opportunities, and best-in-class educational resources and tools. A standard Allstate policy can be supplemented with add-on coverages tailored to meet the needs of your specific circumstances. Iowa residents can increase protection of assets like home offices, musical instruments, sports equipment, yards and gardens, or electronic data.

Other speciality options include Claim RateGuard, which ensures that your policy won’t go up just because you file a claim, and Identity Restoration coverage of up to $25,000 of expenses you may incur after having your identity stolen.

You can save more than 30% on your annual Iowa homeowners insurance premium through Allstate’s multiple discount opportunities — bundling your insurance policies, installing protective devices, insuring a new or recently renovated home, signing up for automatic payments, and going claim-free can maximize your savings. Additional price breaks are awarded to retirees over the age of 55 and new Allstate customers.

Allstate sees to it that you’re in good hands by offering a customer-focused online resource center. You can access videos, articles, checklists, and specialty calculators designed to answer any question they may regarding owning your Iowa home. The resource center also features innovative tools like Allstate’s Premium Gauge, which allows you to view the direct impact that different factors, such as the age of your home or installing a security device, have on your annual premium rate.

Nationwide

Nationwide gives Iowa homeowners access to comprehensive policies at an affordable price, along with a superior claims department, and numerous ways to reduce annual premium rates. Discounts from Nationwide include up to 30% off based on the age of your home, 20% for bundling auto and home insurance policies, 15% for installing protective devices like a smoke alarm, 15% for being over the age of 60, and 5% just for being married.

Nationwide also provides policyholders with a free On Your Side review, which keeps you educated on the specifics of your insurance policy and helps you choose the right level of coverage for your budget and home.

In addition to their baseline policy, Nationwide has add-on personal umbrella liability insurance and protection against flooding, a valuable feature for Iowa residents. Their unique Brand New Belongings policy option gives you funds to replace your damaged or destroyed personal property with the newest, latest versions, which can be a huge stress relief in the wake of a disaster.