The 3 Best Iowa Homeowners Insurance Companies

State Farm writes 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 its standard policy that covers events such as weather-related damage, vandalism and theft, State Farm extends add-on options. It’s possible to choose coverage that protects against personal injury and liability or 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. 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.

You can supplement a standard Allstate policy with add-on coverages designed to meet your needs. Iowa residents can increase protection for home offices, musical instruments, sports equipment, yards and gardens, or electronic data. Other specialty 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 as a result of having your identity stolen.

You can save more than 30 percent on your annual Iowa homeowners insurance premium through Allstate’s multiple discount opportunities. Bundling your insurance policies, installing safety and security 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 special calculators designed to answer questions you may have 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 factors such as the age of your home have on your annual premium rate.

Discounts from Nationwide include up to 30 percent off based on the age of your home, 20 percent for bundling auto and home insurance policies, 15 percent for installing protective devices like a smoke alarm, 15 percent for being over the age of 60, and 5 percent for being married. You can also receive discounts if you bought your home within the last 12 months or live within a gated community.

Nationwide 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 its baseline policy, Nationwide has add-on personal umbrella liability insurance and protection against flooding, a valuable feature for Iowa residents. Its unique Brand New Belongings policy option gives you money to replace your damaged or destroyed personal property with the newest, latest versions.