{"id":324444,"date":"2025-11-07T22:43:21","date_gmt":"2025-11-08T03:43:21","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=85679"},"modified":"2025-11-07T22:43:21","modified_gmt":"2025-11-08T03:43:21","slug":"best-in-iowa","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-iowa\/","title":{"rendered":"The Best Homeowners Insurance Companies in Iowa"},"content":{"rendered":"\n<p>Reviews.com knows that many Iowa homeowners want to find home insurance coverage that fits their needs and budget in a market where premiums have risen since 2022 due to severe convective storm losses, higher reinsurance costs, and inflation in replacement costs. Our review takes the guesswork out of finding the best homeowners insurance in Iowa by combining the latest official statewide premium benchmarks with recent market trend indicators and insurer service considerations. We evaluated each insurance provider for pricing context, customer service signals, coverage options, available discounts, digital capabilities, and financial strength. To ground our price context, we use the National Association of Insurance Commissioners\u2019 latest official average (policy year 2022) for Iowa and the United States, and we note that current (2024\u20132025) premiums are running materially above 2022 levels based on the U.S. Bureau of Labor Statistics insurance CPI and private quote-based trackers (<a href=\"https:\/\/content.naic.org\">NAIC<\/a>; <a href=\"https:\/\/fred.stlouisfed.org\/series\/CUUR0000SEHC01\">BLS\/FRED<\/a>; <a href=\"https:\/\/www.policygenius.com\">Policygenius<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-picks\" title=\"Our Top Picks\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 5 Best Homeowners Insurance Companies in Iowa&nbsp;<\/h2>\n\n\n\n<ul><li><a href=\"#usaa\" rel=\"nofollow\" class=\"achor-toggles\"><strong>USAA<\/strong><\/a><strong>:<\/strong> Best for Military-Centric Options<\/li><li><a href=\"#allstate\" rel=\"nofollow\" class=\"achor-toggles\"><strong>Allstate<\/strong><\/a><strong>:<\/strong> Best Coverage Options<\/li><li><a href=\"#american-family\" rel=\"nofollow\" class=\"achor-toggles\"><strong>American Family<\/strong><\/a><strong>:<\/strong> Best 24\/7 Service<\/li><li><a href=\"#farmers\" rel=\"nofollow\" class=\"achor-toggles\"><strong>Farmers<\/strong><\/a><strong>:<\/strong> Best for Savings<\/li><li><a href=\"#nationwide\" rel=\"nofollow\" class=\"achor-toggles\"><strong>Nationwide<\/strong><\/a><strong>: <\/strong>Best for Unique Discounts<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"comparison\" title=\"Comparison\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Compare the Best Homeowners Insurance Companies in Iowa<\/h2>\n\n\n\n<p>We began our research into the best homeowners insurance companies in Iowa by anchoring price context to the latest official statewide average from the <a href=\"https:\/\/content.naic.org\">NAIC (2022 data)<\/a> and layering in current trend indicators from the <a href=\"https:\/\/fred.stlouisfed.org\/series\/CUUR0000SEHC01\">BLS insurance CPI<\/a> and private quote-based trackers such as the <a href=\"https:\/\/www.policygenius.com\">Policygenius Home Insurance Pricing Trends index<\/a>. We also considered recent customer satisfaction research (see <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">J.D. Power press releases<\/a>), coverage\/discount breadth, digital service and claims capabilities, and current financial strength verification guidance. Our investigation revealed that USAA, Allstate, American Family, Farmers, and Nationwide are among the top insurance providers in Iowa for home coverage.<\/p>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Premium*<\/strong><\/td><td><strong>AM Best Financial Strength<\/strong><\/td><td><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">J.D. Power Overall Customer Satisfaction<\/a><\/td><\/tr><tr><td>USAA**<\/td><td>Benchmark: IA 2022 avg ~$1.25k\u2013$1.35k<\/td><td><a href=\"https:\/\/ratings.ambest.com\/\">Verify current FSR<\/a><\/td><td><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">See latest<\/a>**<\/td><\/tr><tr><td>Allstate<\/td><td>Benchmark: IA 2022 avg ~$1.25k\u2013$1.35k<\/td><td><a href=\"https:\/\/ratings.ambest.com\/\">Verify current FSR<\/a><\/td><td><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">See latest<\/a><\/td><\/tr><tr><td>American Family<\/td><td>Benchmark: IA 2022 avg ~$1.25k\u2013$1.35k<\/td><td><a href=\"https:\/\/ratings.ambest.com\/\">Verify current FSR<\/a><\/td><td><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">See latest<\/a><\/td><\/tr><tr><td>Farmers<\/td><td>Benchmark: IA 2022 avg ~$1.25k\u2013$1.35k<\/td><td><a href=\"https:\/\/ratings.ambest.com\/\">Verify current FSR<\/a><\/td><td><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">See latest<\/a><\/td><\/tr><tr><td>Nationwide<\/td><td>Benchmark: IA 2022 avg ~$1.25k\u2013$1.35k<\/td><td><a href=\"https:\/\/ratings.ambest.com\/\">Verify current FSR<\/a><\/td><td><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">See latest<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>Information sources include the NAIC\u2019s latest official Homeowners Insurance Report (2022 data) and current trend indicators from the BLS insurance CPI and Policygenius\u2019 quote-based price index. Actual 2024\u20132025 premiums are typically higher than 2022 averages due to market-wide increases (<a href=\"https:\/\/content.naic.org\">NAIC<\/a>; <a href=\"https:\/\/fred.stlouisfed.org\/series\/CUUR0000SEHC01\">BLS\/FRED<\/a>; <a href=\"https:\/\/www.policygenius.com\">Policygenius<\/a>).<\/em><\/p>\n\n\n\n<p><em>*NAIC\u2019s average is a statewide historical benchmark (earned premium per insured housing unit) and not a quote for a specific home. Company-level premiums vary by risk profile, coverage selections, and market conditions.<\/em><\/p>\n\n\n\n<p><em>**Not officially ranked by J.D. Power due to eligibility restrictions.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"usaa\" title=\"Best for Military-Centric Options\"><\/span>\n    \n\n\n<h3 class=\"wp-block-heading\">USAA<\/h3>\n\n\n\n<p>USAA makes the top of our list for best homeowners insurance providers in Iowa for its member-focused service model, digital-first tools, and financial strength backed by large policyholder surplus. Eligibility is limited to qualifying current and former military members and their families. USAA\u2019s app and site support digital claims (including eFNOL and photo documentation), remote inspections for eligible losses, and fast payments\u2014capabilities increasingly common across leading carriers as they scale AI-assisted and self-service claims workflows (<a href=\"https:\/\/www.mckinsey.com\">McKinsey 2024 Global Insurance Report<\/a>; <a href=\"https:\/\/www.accenture.com\/us-en\/insights\/insurance\/technology-vision\">Accenture Insurance Technology Vision 2024<\/a>).<\/p>\n\n\n                                                \n\n\n<section id=\"usaa\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">USAA<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Military-Centric Options<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                For Iowa homeowners who qualify for coverage, USAA pairs competitive coverage with robust digital tools, including eFNOL, photo estimating, and fast digital payments\u2014features that help speed recovery after wind, hail, or tornado losses.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.dpbolvw.net\/click-5941215-10998643?sid=\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">Benchmark IA 2022 avg ~$1.25k\u2013$1.35k*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">Verify at <a href=\"https:\/\/ratings.ambest.com\/\">AM Best<\/a><\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">See <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">latest results**<\/a><\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                For Iowa homeowners who qualify for coverage, USAA pairs competitive coverage with robust digital tools, including eFNOL, photo estimating, and fast digital payments\u2014features that help speed recovery after wind, hail, or tornado losses.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Military eligibility; strong member-focused service<\/li>\n                            <li>Digital claims tools (eFNOL, photo estimates, fast pay)<\/li>\n                            <li>Financial strength; verify current rating at AM Best<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Bundle &amp; save<\/li>\n<li>Claims-free<\/li>\n<li>Protective devices (smart sensors increasingly recognized)<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul>\n<li>Auto insurance<\/li>\n<li>Renters insurance<\/li>\n<li>Landlord insurance<\/li>\n<li>Life insurance<\/li>\n<li>Health insurance<\/li>\n<li>Annuities<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>**USAA is not officially ranked by J.D. power due to eligibility restrictions. <\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"allstate\" title=\"Best Coverage Options\"><\/span>\n    \n\n\n<h3 class=\"wp-block-heading\">Allstate<\/h3>\n\n\n\n<p>Allstate is a contender for best homeowners insurance in Iowa thanks to broad coverage customization and discount options. In addition to standard homeowners protections, Allstate supports digital self-service, virtual claims handling for many losses, and device-based prevention programs that can earn savings (e.g., leak detection). As industry pricing has risen, carriers that clearly explain savings opportunities and offer prevention-linked credits have seen better customer reception (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\" rel=\"noopener\" target=\"_blank\">J.D. Power 2024 study on telematics engagement<\/a>).<\/p>\n\n\n                                                \n\n\n<section id=\"allstate\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Allstate<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best Coverage Options<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                We chose Allstate for its wide range of endorsements, prevention-linked discounts, and digital claims tools that can shorten cycle times after wind or water losses in Iowa.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/d.agkn.com\/pixel\/2267\/?che=[cachebuster]&#038;col=345361,859480,11659822&#038;l1=https:\/\/www.allstate.com\/landingpages\/lsp\/Affiliate-home-desktop.html?CID=AFF-REV-HO-074205-200616&#038;campaign=444490000074205&#038;clickid={clickid}&#038;source={irpid}&#038;subsource={sharedid}&#038;IRCmpID={ircid}&#038;rvitemid=325257-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">Benchmark IA 2022 avg ~$1.25k\u2013$1.35k*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">Verify at <a href=\"https:\/\/ratings.ambest.com\/\">AM Best<\/a><\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">See <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">latest results<\/a><\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                We chose Allstate for its wide range of endorsements, prevention-linked discounts, and digital claims tools that can shorten cycle times after wind or water losses in Iowa.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Strong coverage customization and endorsements<\/li>\n                            <li>Prevention-linked discounts (e.g., smart leak sensors)<\/li>\n                            <li>Digital tools for claims and policy management<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li><a href=\"https:\/\/www.naic.org\/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&#038;COCODE=17230&#038;:refresh\" rel=\"noopener\" target=\"_blank\">Higher-than-average NAIC complaint index<\/a><\/li>\n                                    <li>Customer satisfaction varies by study\/year; verify latest J.D. Power results<\/li>\n                                    <li><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\" rel=\"noopener\" target=\"_blank\">Mixed industry claims satisfaction signals in recent years<\/a><\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li><a href=\"https:\/\/www.allstate.com\/support\/paperless-epayments.aspx\" target=\"_blank\" rel=\"noopener\">Easy Pay Plan<\/a><\/li>\n<li>Early signing discount<\/li>\n<li>Welcome &amp; loyalty<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Auto insurance<\/li>\n<li>Renters insurance<\/li>\n<li>Condo insurance<\/li>\n<li>Motorcycle insurance<\/li>\n<li>Business insurance<\/li>\n<li>Life insurance<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"american-family\" title=\"Best 24\/7 Service\"><\/span>\n    \n\n\n<h3 class=\"wp-block-heading\">American Family<\/h3>\n\n\n\n<p>American Family (AmFam) is known for around-the-clock customer support and helpful mobile tools. In Iowa, AmFam offers broad coverage options and endorsements plus smart\u2011home partnerships that can help reduce water and fire risk. Many carriers now pair prevention with incentives\u2014such as credits for installing leak detection or electrical monitoring\u2014consistent with industry shifts toward prevention-linked pricing and services (<a href=\"https:\/\/www2.deloitte.com\/us\/en\/pages\/financial-services\/articles\/insurance-industry-outlook.html\">Deloitte 2025 Insurance outlook<\/a>).<\/p>\n\n\n                                                \n\n\n<section id=\"american-family\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">American Family<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best 24\/7 Service<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Many home insurers offer 24\/7 claims, but AmFam extends 24\/7 support across customer needs. Policyholders can call <a href=\"https:\/\/www.amfam.com\/contact\" rel=\"noopener\" target=\"_blank\">1-800-692-6326<\/a> any time and use digital self-service for claims and policy changes.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=315496-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">Benchmark IA 2022 avg ~$1.25k\u2013$1.35k*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">Verify at <a href=\"https:\/\/ratings.ambest.com\/\">AM Best<\/a><\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">See <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">latest results<\/a><\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Many home insurers offer 24\/7 claims, but AmFam extends 24\/7 support across customer needs. Policyholders can call <a href=\"https:\/\/www.amfam.com\/contact\" rel=\"noopener\" target=\"_blank\">1-800-692-6326<\/a> any time and use digital self-service for claims and policy changes.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>24\/7 customer support and claims<\/li>\n                            <li>Mobile tools and remote claim options<\/li>\n                            <li>Prevention-focused discounts (smart home devices)<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Premiums can run higher than some standardized quotes<\/li>\n                                    <li><a href=\"https:\/\/www.naic.org\/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&#038;COCODE=10386&#038;:refresh\" rel=\"noopener\" target=\"_blank\">Higher-than-average overall NAIC complaint index<\/a><\/li>\n                                    <li>Confirm current financial strength rating and outlook<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Safe, Secure, Smart Home<\/li>\n<li>Generational discount<\/li>\n<li>Renovated home discount<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Auto insurance<\/li>\n<li>Pet insurance<\/li>\n<li>Umbrella insurance<\/li>\n<li>Life insurance<\/li>\n<li>RV &amp; camper insurance<\/li>\n<li>Travel insurance<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"farmers\" title=\"Best for Savings\"><\/span>\n    \n\n\n<h3 class=\"wp-block-heading\">Farmers<\/h3>\n\n\n\n<p>Farmers offers three levels of homeowners coverage (Standard, Enhanced, Premier) with optional endorsements to tailor protection. Although standardized quotes sometimes show higher premiums in Iowa, Farmers\u2019 broad discount slate and mitigation incentives may help offset costs. Ask about roof coverage terms (e.g., ACV vs. replacement cost and roof age\/material rules) and whether upgrading to impact\u2011resistant or <a href=\"https:\/\/ibhs.org\">IBHS FORTIFIED<\/a> standards could reduce wind\/hail loss risk and potentially earn credits where available.<\/p>\n\n\n                                                \n\n\n<section id=\"farmers\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Farmers<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Savings<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Despite higher standardized quotes in some Iowa profiles, Farmers made our list for its extensive discounts and roof-related options that can help manage wind and hail exposure.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=317128-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">Benchmark IA 2022 avg ~$1.25k\u2013$1.35k*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">Verify at <a href=\"https:\/\/ratings.ambest.com\/\">AM Best<\/a><\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">See <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">latest results<\/a><\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Despite higher standardized quotes in some Iowa profiles, Farmers made our list for its extensive discounts and roof-related options that can help manage wind and hail exposure.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Three-tier plans to align price and protection<\/li>\n                            <li>Numerous discounts; mitigation incentives available<\/li>\n                            <li>Local agents and digital claims capabilities<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Confirm current AM Best rating and any outlook changes<\/li>\n                                    <li>Customer satisfaction varies by year\/region; verify latest<\/li>\n                                    <li>Digital experience perceptions vary across studies<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Non-smoker<\/li>\n<li>New home<\/li>\n<li>Green certifications<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Auto insurance<\/li>\n<li>RV insurance<\/li>\n<li>Life insurance<\/li>\n<li>Business insurance<\/li>\n<li>Pet insurance<\/li>\n<li>Collectible auto insurance<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"nationwide\" title=\"Best for Unique Discounts\"><\/span>\n    \n\n\n<h3 class=\"wp-block-heading\">Nationwide<\/h3>\n\n\n\n<p>Nationwide rounds out our list for its distinctive discount options and broad set of coverages. While customer satisfaction results vary across studies and years, Nationwide\u2019s unique credits (such as smart\u2011home and gated\u2011community savings) and strong coverage options can be attractive. Like peers, Nationwide has expanded digital self-service and virtual claim capabilities that speed routine claims in wind\/hail\u2011prone regions.<\/p>\n\n\n                                                \n\n\n<section id=\"nationwide\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Nationwide<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Unique Discounts<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Nationwide offers several uncommon discounts\u2014like savings for smart-home features and gated communities\u2014alongside a wide range of homeowners endorsements.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=316830-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">Benchmark IA 2022 avg ~$1.25k\u2013$1.35k*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">Verify at <a href=\"https:\/\/ratings.ambest.com\/\">AM Best<\/a><\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">See <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">latest results<\/a><\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Nationwide offers several uncommon discounts\u2014like savings for smart-home features and gated communities\u2014alongside a wide range of homeowners endorsements.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Wide range of coverage options and endorsements<\/li>\n                            <li>Unique discounts (smart-home, gated community)<\/li>\n                            <li>Digital self-service and remote claims options<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Customer satisfaction varies by study\/year; verify latest<\/li>\n                                    <li><a href=\"https:\/\/www.naic.org\/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&#038;COCODE=23787&#038;:refresh\" rel=\"noopener\" target=\"_blank\">Higher-than-average NAIC complaint index<\/a><\/li>\n                                    <li>Mobile\/manufactured homes may be restricted; verify eligibility<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Gated community<\/li>\n<li>Smart home<\/li>\n<li>Home renovation<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Auto insurance<\/li>\n<li>Snowmobile insurance<\/li>\n<li>Boat insurance<\/li>\n<li>Pet insurance<\/li>\n<li>Dental insurance<\/li>\n<li>Umbrella insurance<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"average-cost\" title=\"Average Cost\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Average Cost of Homeowners Insurance in Iowa<\/h2>\n\n\n\n<p>According to the <a href=\"https:\/\/content.naic.org\">NAIC\u2019s Homeowners Insurance Report (2022 data)<\/a>, Iowa\u2019s latest official average homeowners expenditure is roughly $1.25k\u2013$1.35k per year. The U.S. average for 2022 is modestly higher, reflecting higher-cost coastal and catastrophe\u2011exposed states (<a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-homeowners-and-renters-insurance\">Insurance Information Institute summary<\/a>). Since 2022, premiums have continued to rise: the <a href=\"https:\/\/fred.stlouisfed.org\/series\/CUUR0000SEHC01\">BLS \u201ctenants\u2019 and household insurance\u201d CPI index<\/a> shows significant increases through 2024\u20132025, and private quote-based trackers report double\u2011digit year\u2011over\u2011year homeowners premium increases during 2023\u20132024 in many Midwestern states (<a href=\"https:\/\/www.policygenius.com\">Policygenius Price Index<\/a>). While we considered price context, we also reviewed coverage, discounts, digital claims capabilities, and third\u2011party indicators to determine our top companies.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-3-cheapest-companies\" title=\"Top 3 Cheapest Homeowners Insurance Companies\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Cheapest Homeowners Insurance Companies in Iowa<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Home Insurance Company<\/strong><\/td><td><strong>Average Annual Premium*<\/strong><\/td><\/tr><tr><td>West Bend<\/td><td>$676<\/td><\/tr><tr><td>Pekin<\/td><td>$698<\/td><\/tr><tr><td>IMT<\/td><td>$881<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Figures shown reflect a historical standardized quote set and may not match NAIC averages. Use as directional only. Current 2024\u20132025 premiums in Iowa are generally higher than 2022 benchmarks per <a href=\"https:\/\/fred.stlouisfed.org\/series\/CUUR0000SEHC01\">BLS insurance CPI<\/a> and <a href=\"https:\/\/www.policygenius.com\">Policygenius<\/a> trend data.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-3-most-expensive-companies\" title=\"Top 3 Most Expensive Homeowners Insurance Companies\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Most Expensive Homeowners Insurance Companies in Iowa<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Home Insurance Company<\/strong><\/td><td><strong>Average Annual Premium*<\/strong><\/td><\/tr><tr><td>Motorists<\/td><td>$1,870<\/td><\/tr><tr><td>Farmers<\/td><td>$1,845<\/td><\/tr><tr><td>Celina<\/td><td>$1,810<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Figures shown reflect a historical standardized quote set and may differ from NAIC statewide averages. For current market context, see <a href=\"https:\/\/content.naic.org\">NAIC (2022 official)<\/a>, the <a href=\"https:\/\/fred.stlouisfed.org\/series\/CUUR0000SEHC01\">BLS insurance CPI<\/a>, and <a href=\"https:\/\/www.policygenius.com\">Policygenius<\/a>.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"guide\" title=\"Guide\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Key Things to Know about Homeowners Insurance in Iowa<\/h2>\n\n\n\n<p>Home insurance needs vary by location, and Iowa\u2019s recent severe weather underscores why coverage details matter. In May 2024, an EF4 tornado struck Greenfield, causing catastrophic damage (<a href=\"https:\/\/www.weather.gov\">NWS Des Moines<\/a>). In June 2024, the USGS documented record and near\u2011record river crests across northwest Iowa following extreme rainfall (<a href=\"https:\/\/www.usgs.gov\">USGS<\/a>). Nationally, 2024 saw a record number of billion\u2011dollar disasters, with multiple severe storm and flood events affecting the Midwest (<a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA<\/a>). These conditions drive underwriting changes (e.g., roof eligibility rules, separate wind\/hail deductibles), reinforce the need for flood and sewer\/sump backup protection, and elevate the value of resilient roofing and mitigation credits such as <a href=\"https:\/\/ibhs.org\">IBHS FORTIFIED<\/a> and community flood discounts via FEMA\u2019s <a href=\"https:\/\/www.fema.gov\">CRS<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Home Insurance Coverage Options<\/h3>\n\n\n\n<p>Beyond standard homeowners protections, consider endorsements and companion policies that address Iowa\u2019s most common risks and evolving insurer terms:<\/p>\n\n\n\n<ul><li><strong>Tornadoes and severe storms:<\/strong> Iowa experienced an EF4 tornado in Greenfield on May 21, 2024 (<a href=\"https:\/\/www.weather.gov\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">NWS event survey<\/a>). Confirm wind\/hail coverage, roof settlement basis (Replacement Cost vs ACV), and whether a separate wind\/hail deductible applies.<\/li><li><strong>Water damage:<\/strong> River flooding across northwest Iowa set records in June 2024 (<a href=\"https:\/\/www.usgs.gov\">USGS<\/a>). Standard home policies exclude flood; purchase separate <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/what-is-flood-insurance\/\">flood insurance<\/a> (NFIP or private). Add a sewer\/sump backup endorsement to cover pump failure or back\u2011ups\u2014common during heavy rain.<\/li><li><strong>Snow and ice damage:<\/strong> Winter storms can cause ice dams, tree\/limb damage, and power outages. Damage from ice\/snow is typically covered, but you may need endorsements for refrigerated food spoilage or higher limits for additional living expense (ALE).<\/li><\/ul>\n\n\n\n<p>Prevention-linked discounts have expanded since 2022. Ask about credits for impact\u2011resistant or <a href=\"https:\/\/ibhs.org\">FORTIFIED roofs<\/a>, smart leak\/electrical monitoring, and community flood mitigation via <a href=\"https:\/\/www.fema.gov\">CRS<\/a> (up to 45% NFIP premium discounts for Class 1 communities). Insurers have also accelerated digital self\u2011service and virtual claim options, which can simplify documentation and speed smaller claims (<a href=\"https:\/\/www2.deloitte.com\/us\/en\/pages\/financial-services\/articles\/insurance-industry-outlook.html\">Deloitte 2025 outlook<\/a>; <a href=\"https:\/\/www.mckinsey.com\">McKinsey<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"faq\" title=\"Homeowners Insurance FAQ\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Homeowners Insurance FAQ<\/h2>\n\n\n<div id=\"block_61f43a23ec2b1\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is homeowners insurance required in Iowa?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">While homeowners insurance is not legally required in Iowa, your mortgage lender may require it. Iowa operates under a competitive rate-filing regime for property insurance (<a href=\"https:\/\/www.legis.iowa.gov\/docs\/code\/515A.pdf\">Chapter 515A<\/a>), and claims handling is governed by the Unfair Insurance Trade Practices Act (<a href=\"https:\/\/www.legis.iowa.gov\/docs\/code\/507B.pdf\">Chapter 507B<\/a>). Check your lender\u2019s conditions and ensure your policy meets any coverage and deductible requirements.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_61f43a31ec2b2\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How can I get cheaper home insurance in Iowa?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Shop multiple carriers and ask about prevention-linked savings. Examples include credits for impact-resistant or <a href=\"https:\/\/ibhs.org\/fortified\/\">IBHS FORTIFIED<\/a> roofs, smart leak\/electrical sensors, and bundling. If you need flood insurance, check whether your community participates in FEMA\u2019s <a href=\"https:\/\/www.fema.gov\/floodplain-management\/community-rating-system\">CRS<\/a> program, which can significantly reduce NFIP premiums at the community level. Remember that statewide averages from the <a href=\"https:\/\/content.naic.org\/publications\/homeowners-insurance-report\">NAIC (2022)<\/a> are historical; current (2024\u20132025) prices are generally higher, as indicated by the <a href=\"https:\/\/fred.stlouisfed.org\/series\/CUUR0000SEHC01\">BLS insurance CPI<\/a> and <a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/homeowners-insurance-pricing-trends\/\">Policygenius<\/a> tracker.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_61f43a4aec2b3\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Do I need to buy flood insurance in Iowa?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">You might. Standard homeowners insurance excludes flood. If your property is in a FEMA Special Flood Hazard Area and you have a mortgage with a federally regulated lender, flood insurance is required. Even outside mapped zones, consider flood coverage, especially in areas affected by Iowa\u2019s June 2024 river flooding (<a href=\"https:\/\/www.usgs.gov\/news\/featured-story\/usgs-measures-record-flooding-northwestern-iowa\">USGS<\/a>). The NFIP generally offers up to $250,000 for building and $100,000 for contents, with limited basement coverage (<a href=\"https:\/\/www.floodsmart.gov\/coverage\">FEMA FloodSmart\u2014What\u2019s covered<\/a>). Community participation in FEMA\u2019s <a href=\"https:\/\/www.fema.gov\/floodplain-management\/community-rating-system\">CRS<\/a> can reduce NFIP premiums.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"methodology\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>We evaluated companies using current third\u2011party indicators for customer experience and financial stability, official pricing benchmarks, and coverage\/discount breadth. For pricing context we relied on the <a href=\"https:\/\/content.naic.org\">NAIC (latest official 2022 statewide averages)<\/a>, and for recent movement we cited the <a href=\"https:\/\/fred.stlouisfed.org\/series\/CUUR0000SEHC01\">BLS insurance CPI<\/a> and the <a href=\"https:\/\/www.policygenius.com\">Policygenius Home Insurance Pricing Trends<\/a> index. We also highlighted technology-enabled service and claims capabilities that have expanded across carriers since 2022 (e.g., eFNOL, virtual inspections).<\/p>\n\n\n\n<p>To compare home insurance companies across the board, we considered the following factors:<\/p>\n\n\n\n<ul><li>Customer Ratings \u2014 We reviewed the latest J.D. Power homeowner-relevant press releases and study updates (1,000\u2011point scale) rather than older 2021 results; see <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">J.D. Power press releases<\/a> for current-year findings.<\/li><li>Coverage and Discounts \u2014 We evaluated coverage breadth and emerging savings opportunities such as <a href=\"https:\/\/ibhs.org\">FORTIFIED roof incentives<\/a>, smart\u2011home credits, and community flood discounts via <a href=\"https:\/\/www.fema.gov\">CRS<\/a>.<\/li><li>Confidence \u2014 We direct readers to verify each carrier\u2019s current financial strength rating and outlook using <a href=\"https:\/\/ratings.ambest.com\/\">AM Best\u2019s Ratings Center<\/a> and, where applicable, other agencies. Ratings can change; confirm the issuing legal entity and latest action.<\/li><li>Customer Experience \u2014 We reviewed complaint signals (e.g., NAIC complaint index) and insurers\u2019 digital capabilities (e.g., eFNOL, remote inspections) that can reduce claim cycle times.<\/li><\/ul>\n\n\n\n<p>Price context reflects the NAIC\u2019s latest official statewide average (2022) supplemented by contemporaneous indicators (BLS insurance CPI; Policygenius quote-based trends). These are benchmarks and should be used for comparative purposes only. Your quotes may be different.<\/p>\n\n\n\n<p>The coverage limits for home insurance rates reflect the following coverage and limits:<\/p>\n\n\n\n<ul><li>Coverage A, Dwelling: $250,000<\/li><li>Coverage B, Other Structures: $25,000<\/li><li>Coverage C, Personal Property: $125,000<\/li><li>Coverage D, Loss of Use: $50,000<\/li><li>Coverage E, Liability: $300,000<\/li><li>Coverage F, Medical Payments: $1,000<\/li><\/ul>\n\n\n\n<p>The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required). Note that some Iowa carriers are using percentage wind\/hail deductibles and roof surface payment schedules after recent severe storm seasons; review these terms with your agent.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Reviews.com knows that many Iowa homeowners want to find home insurance coverage that fits their needs and budget in a market where premiums have risen since 2022 due to severe convective storm losses, higher reinsurance costs, and inflation in replacement costs. Our review takes the guesswork out of finding the best homeowners insurance in Iowa [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":354617,"parent":1691,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"page-templates\/template-refresh.php","meta":[],"categories":[1268],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Best Iowa Homeowners Insurance Companies of 2021 | Reviews.com<\/title>\n<meta name=\"description\" content=\"Our review of the home insurance providers in Iowa includes evaluations based on customer reviews, financial strength ratings, premium averages, and more.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-iowa\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Best Iowa Homeowners Insurance Companies of 2021 | Reviews.com\" \/>\n<meta property=\"og:description\" content=\"Our review of the home insurance providers in Iowa includes evaluations based on customer reviews, financial strength ratings, premium averages, and more.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-iowa\/\" \/>\n<meta property=\"og:site_name\" content=\"Reviews.com\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Reviewscom\/\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.reviews.com\/wp-content\/uploads\/2020\/09\/GettyImages-673000282.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1440\" \/>\n\t<meta property=\"og:image:height\" content=\"960\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@Reviews\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-iowa\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.reviews.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Insurance\",\"item\":\"https:\/\/www.reviews.com\/insurance\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Homeowners\",\"item\":\"https:\/\/www.reviews.com\/insurance\/homeowners\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"The Best Homeowners Insurance Companies in Iowa\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.reviews.com\/#website\",\"url\":\"https:\/\/www.reviews.com\/\",\"name\":\"Reviews.com\",\"description\":\"Your Guide to the Best Services\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.reviews.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Best Iowa Homeowners Insurance Companies of 2021 | Reviews.com","description":"Our review of the home insurance providers in Iowa includes evaluations based on customer reviews, financial strength ratings, premium averages, and more.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-iowa\/","og_locale":"en_US","og_type":"article","og_title":"Best Iowa Homeowners Insurance Companies of 2021 | Reviews.com","og_description":"Our review of the home insurance providers in Iowa includes evaluations based on customer reviews, financial strength ratings, premium averages, and more.","og_url":"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-iowa\/","og_site_name":"Reviews.com","article_publisher":"https:\/\/www.facebook.com\/Reviewscom\/","og_image":[{"width":1440,"height":960,"url":"https:\/\/www.reviews.com\/wp-content\/uploads\/2020\/09\/GettyImages-673000282.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_site":"@Reviews","twitter_misc":{"Est. reading time":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"BreadcrumbList","@id":"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-iowa\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.reviews.com\/"},{"@type":"ListItem","position":2,"name":"Insurance","item":"https:\/\/www.reviews.com\/insurance\/"},{"@type":"ListItem","position":3,"name":"Homeowners","item":"https:\/\/www.reviews.com\/insurance\/homeowners\/"},{"@type":"ListItem","position":4,"name":"The Best Homeowners Insurance Companies in Iowa"}]},{"@type":"WebSite","@id":"https:\/\/www.reviews.com\/#website","url":"https:\/\/www.reviews.com\/","name":"Reviews.com","description":"Your Guide to the Best Services","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.reviews.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/pages\/324444"}],"collection":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/users\/345"}],"replies":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/comments?post=324444"}],"version-history":[{"count":0,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/pages\/324444\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/pages\/1691"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/media\/354617"}],"wp:attachment":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/media?parent=324444"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/categories?post=324444"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/tags?post=324444"},{"taxonomy":"post_author","embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/post_author?post=324444"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}