The Best Home Insurance in Iowa for 2025

Chubb, USAA and Amica are among the best home insurance companies in Iowa, according to our analysis.

To help you find the best home insurance in Iowa, we gathered and analyzed data from insurance companies across the state. These are the insurers that earned 4.5 stars or more.

Rates are based on a sample homeowner with no recent claims, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

» MORE: The best home insurance companies

Below are more details about the best homeowners insurance companies in Iowa.

Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

Chubb caters to affluent homeowners, offering coverage that often costs extra elsewhere. For example, the company’s policies include extended replacement cost coverage for the structure of your home. This is useful in case it costs more than your dwelling limit to rebuild after a disaster. Chubb’s standard policies also cover water damage from backed-up sewers and drains.

Policyholders may be eligible for the company’s HomeScan service, which uses infrared cameras to look for issues behind the walls of your home.

» READ MORE:Chubb homeowners insurance review

Amica shines when it comes to customer service. It gets far fewer complaints than expected for an insurer of its size, according to the National Association of Insurance Commissioners. Amica also earned high marks in two recent J.D. Power surveys about home insurance and customer satisfaction.

The company stands out for its range of coverage options. For example, you can customize your policy with extra coverage above your dwelling limit. You may also want to add coverage for identity theft or damage from backed-up drains.

» READ MORE: Amica homeowners insurance review

If you want to do business with companies that prioritize sustainability, consider Cincinnati Insurance. In recent years, the insurer has reduced fossil fuel emissions from both its facilities and company vehicles. When you buy Cincinnati home insurance, you may be able to add a “green upgrade” endorsement. With this coverage, you can use eco-friendly materials to repair or rebuild your home after a claim.

The company offers several other options, including comprehensive coverage for high-value homes. You may be able to add coverage for things like identity theft, personal cyber attacks or certain types of water damage.

» READ MORE: Cincinnati homeowners insurance review

State Farm stands out for its long list of coverage options. Its policies generally include extra dwelling coverage in case it costs more than expected to rebuild your home.

You may be able to add coverage for things like identity theft and water damage from backed-up drains. Another option may be to add an inflation guard rider to your policy. This automatically increases your policy limits to keep up with rising costs.

State Farm offers a free Ting smart plug to home insurance policyholders as a perk. This device monitors your home’s electrical network to help prevent fires.

» READ MORE: State Farm homeowners insurance review

Country Financial has a few levels of homeowners insurance to help you choose the package that’s best for you. You can also add extra coverage for the structure of your home, in case your policy limit isn’t enough to cover the cost of rebuilding.

Country Financial sells homeowners insurance through local representatives. The company receives far fewer complaints than expected.

» READ MORE: Country Financial homeowners insurance review

Allstate offers many ways to customize your policy, including replacement cost coverage for your personal property and coverage for water damage caused by backed-up drains. Other options may include home-sharing coverage and reimbursement for replacing damaged items with energy-efficient versions.

You may also have the option to upgrade your policy with the Enhanced Package. One benefit of this package is Deductible Rewards, which takes $100 off your deductible when you sign up, plus an additional $100 off for each year you go without filing a claim. If you do file a claim, your rates won’t go up.

» READ MORE: Allstate homeowners insurance review

American Family is notable for offering broader coverage for your home’s structure than many insurers do. If you insure your home up to its replacement cost, American Family will automatically add extended replacement coverage to your policy.

American Family offers a lot of extras you can add to your policy. For instance, you can buy coverage in case a major appliance breaks down or an underground utility line needs repairs. Discounts may be available for installing smart-home devices, bundling multiple policies or setting up automatic payments.

» READ MORE:American Family homeowners insurance review

USAA sells homeowners insurance to active military members, veterans and their families. If that’s you, you may want to consider USAA. The company offers some perks that are specific to members of the military, like deductible-free coverage for military uniforms and equipment.

USAA homeowners insurance has certain features that many insurers charge extra for. For example, USAA covers your personal belongings on a replacement cost basis. That means you’ll get enough money to buy brand-new replacements for damaged items. Many companies pay only what your items are worth at the time of the claim.

» READ MORE: USAA homeowners insurance review

The average annual cost of home insurance in Iowa is $2,505. That's 19% more than the national average of $2,110.

In most U.S. states, including Iowa, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.

In Iowa, those with poor credit pay an average of $4,520 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 80% more than what those with good credit pay.

» MORE: Does your credit score affect home insurance rates?

How much you pay for homeowners insurance in Iowa depends on where you live. For instance, the average cost of home insurance in Des Moines is $2,470 per year, while homeowners in Sioux City pay $2,790 per year, on average.

» MORE: What’s the average cost of homeowners insurance?

Here are the insurers we found with average annual rates below the Iowa average of $2,505.

» MORE: The cheapest homeowners insurance

Here are a few of the most common risks Iowa homeowners face, along with ways to insure your home against them.

Tornadoes and derechos

Home insurance generally covers wind damage from tornadoes and derechos. However, your policy may have a separate wind and hail deductible, typically between 1% and 5%. If your house has $250,000 worth of dwelling coverage and a 1% deductible for wind claims, you’d have to pay for the first $2,500 of wind damage yourself.

There also may be limits to how much your insurer will pay for debris removal. Review your policy carefully and reach out to your insurance agent with questions.

Flooding

Standard homeowners insurance typically doesn't cover flooding. Homeowners in flood-prone areas may need to purchase separate flood insurance. Remember that while you can purchase flood coverage at any time, there’s typically a 30-day waiting period before the insurance takes effect.

To check your flood risk, start by looking up your address on the Federal Emergency Management Agency's flood maps. However, FEMA’s maps don’t always capture all types of flood risk. You may want to check another source, like First Street, a private company that models climate hazards. Enter your address at the top of the page to see your home’s flood risk rating on a scale of 1 to 10.

» MORE: Do you need flood insurance?

Winter weather

Homeowners insurance generally covers damage caused by winter storms, but some types of damage may require extra coverage. For instance, you’ll typically need a separate flood insurance policy to cover damage caused by snowmelt.

» MORE: Home insurance calculator: Estimate your rate

The Iowa Insurance Department regulates the insurance industry for the state, oversees agent licensing and is a resource if you have a dispute with your insurer.

If you need to file a complaint, you can do so on the department's website. You can also print the form and file it via email, fax or mail. Questions? Reach out to the Insurance Consumer Advocate at 515-654-6538.

How we rate homeowners insurance

NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as consumer experience, coverage, discounts and financial strength.

In our research, we analyzed:

View our complete homeowners insurance rating methodology.