Homeowners Insurance in Iowa

Get Great Coverage for Home Insurance in Iowa

With its beautiful rolling plains and vast cornfields, Iowa is a staple of the American Midwest. While you take in all the natural beauty the Hawkeye State has to offer, protecting your home here should be a top priority. And with Iowa residents facing risks throughout the year like tornadoes, wildfires and snowstorms, having the right homeowners insurance is essential.

So, if you’re looking for homeowners insurance in Iowa, The Hartford is here to help. The AARP^® Homeowners Insurance Program from The Hartford¹ provides insurance coverage to Iowa homeowners and their properties to help give them peace of mind when the unexpected happens. With flexible coverages and affordable home insurance rates, The Hartford can help get you the protection you need at a great price. To learn more, get a homeowners insurance quote online or call The Hartford’s representatives at 877-422-2345.

IA Home Insurance Coverage

Standard homeowners insurance policies from The Hartford come with a wide array of coverages to help keep you protected.

Property Damage

Dwelling coverage is the part of your homeowners insurance policy that helps protect your home and its attached structures, like an attached garage.

Personal Property

Personal property coverage helps pay to repair or replace your personal belongings, such as furniture or clothing, after a covered loss.

Personal Liability

If you’re found legally responsible for someone else’s injury or property damage, personal liability coverage can help protect you. This coverage can help cover the person’s medical expenses or your legal costs.

Other Structures

Other structures coverage helps protect structures that aren’t directly attached to your home, like a shed. So, if a tree falls on your detached garage, this coverage can help pay the costs to repair it.

Temporary Living Expenses

If you’re not able to live in your home temporarily after it’s damaged by a covered loss, loss of use coverage can help pay for your living expenses.

Medical Payments

Medical payments coverage helps pay for someone else’s medical costs up to your policy limits if they get injured on your property.²

Additional Coverage Recommendations

Other home insurance coverages you may consider adding to your policy for more protection are:

“New for Old” Protection,^‡‡ which helps replace your destroyed belongings with new ones of the same quality.
Reimbursement for replacing locks if your keys get lost or stolen. This coverage pays up to $500 to replace locks, with a $100 deductible.
Identity fraud expense coverage, which reimburses you for out-of-pocket expenses up to certain limits to help you recover after fraud or identity theft. See your policy for specific limits.
Disappearing Property Deductible,^‡‡ which reduces your deductible every year when you go three consecutive years without having an insurance loss.
Equipment breakdown coverage to help cover your repair or replacement costs if your appliances or electronics have a mechanical or electrical breakdown. It also provides coverage if you want to make “green” upgrades. It pays up to 125% of your cost to replace any covered equipment with items that are similar, but more energy efficient or environmentally friendly. Keep in mind that this does not include normal wear and tear.
Valuable items blanket for extra protection on certain valuables after a covered loss occurs. For example, if your insured jewelry gets destroyed in a house fire, this coverage can help cover the costs to replace it.

It’s important to know that flood insurance isn’t included in standard homeowners insurance policies. To get coverage, you’ll have to purchase a separate insurance policy through the National Flood Insurance Program (NFIP).***

Is Homeowners Insurance Required in Iowa?

Iowa state law doesn’t require homeowners insurance. However, if you have a mortgage on your home, your lender may require you to have it.

How Much Does Iowa Homeowners Insurance Cost?

Wondering how much homeowners insurance rates cost? The average cost of homeowners insurance in Iowa is $1,688 a year, or $141 a month.³ This is slightly less than the national average of $1,759 per year.⁴ Insurance companies look at different factors when determining home insurance rates, so you may pay more or less than the average. For example, the cost you pay for homeowners insurance may be influenced by your:

Location
Home’s age
Claims history
Coverage limits
Deductible

Get a Quote for Homeowners Insurance in Iowa

When it comes to protecting the investment you’ve made in your property, you need a home insurance company you can count on. There are many homeowners insurance companies out there, but not all of them are the same. The Hartford has the only home insurance program endorsed by AARP. Since 1984, the AARP Homeowners Insurance Program from The Hartford has offered flexible coverages, great savings and expert service to individuals and their families. With our high ratings for customer and claims service, you can count on us to have your back when the unexpected happens.

To learn more about the savings and benefits available to you, get a homeowners insurance quote online or call The Hartford’s representatives at 877-422-2345.

Last Updated: July 8, 2024

² Medical benefits are calculated on the basis of usual, customary, and reasonable charges.

³^,⁴ Bankrate, “Average homeowners insurance cost in June 2024.”

*** This is an optional coverage and may not be available in all states.