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Iowa Home Insurance

Iowa home insurance provides property damage coverage for your home. The most basic policy (HO-2) covers damages caused by fire, smoke, hail, wind, falling objects, theft, vandalism, vehicles, aircraft, frozen pipes, a sudden cracking, and overflowing steam from air conditioners and water heaters. With a more robust policy like an HO-3, bodily injury liability protection would be available. This type of coverage also protects against some more rare occurrences in a home like mold caused by condensation and other such things. Mortgage home lenders require Iowa homeowners insurance with any property still under loan. Even if you own your home outright, a good Iowa home insurance policy can protect your investment.

Iowa Home Insurance Rates

Iowa home insurance rates can be affected by many elements including living in areas with a history of tornado and heavy storm damages. When you buy Iowa home insurance, be prepared to look at the “exclusions” list for perils not covered by your policy. If you live in an area where flooding can be a problem, you will have to buy additional flood insurance, as normal Iowa home insurance does not cover damages caused by flood waters. Mold can also be a problem in Iowa. For this reason, it is important to know that maintenance related causes of mold will not be covered by your Iowa home insurance.


In most cases, Iowa home insurance rates are below the national norm. In the unfortunate case that you live in an area that has high premiums there are some things you can do to decrease your rate. For instance, most insurance companies offer discounts when you purchase more than one policy through them. You can shave dollars off your premium by also buying your car insurance through the company you buy your home insurance. Homeowners should always shop around before buying Iowa home insurance.

Iowa Division of Insurance

330 Maple St.
Des Moines, IA 50319-0065
Phone 515-281-5705
Fax 515-281-3059

For other Iowa Insurance Resources, See:

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