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Home insurance is important for your family because it provides financial protection in the event of property damage and liability for all injuries and damages caused by members of your family. Theft, fire, windstorm, and liability are all covered by most homeowner’s insurance policies. While most homeowner’s insurance policies do cover these types of damages, other damages are not covered by most policies. Flood, earthquake, and neglect damages are some damages that are not covered by most policies, and must be obtained separately.

While you are not required by law to have homeowner’s insurance in the state of Iowa, most home mortgages require some basic type of coverage. In Iowa there are three basic types of homeowner’ insurance to consider:

• Basic – Includes protection from 11 different types of hazards including fire, lightning, hail, windstorm, and theft
• Broad – Includes coverage for six additional hazards not included in the basic protection – building collapse, weight damage from ice or snow, and damage from home appliances
• Special – Includes coverage for all hazards except for flood and earthquake

Non-smokers and multiple policy holders can receive great discounts on their homeowner’s insurance. Additionally, installing extra security measures as well as a great number of other things can grant additional discounts with your homeowner’s insurance. An insurance agent can help you understand any additional discounts, and help you decide what type of insurance is best for your needs.

Our customers shop from Des Moines, Cedar Rapids, Davenport, Sioux City, Waterloo, Iowa City, Council Bluffs, Dubuque, Ames, and many other great cities in America’s Heartland to find affordable home insurance from the top rated insurance companies. You will find our referral network of Iowa agents and brokers the easiest way to find and compare rates for the coverage you need.