Best Homeowners Insurance in Iowa


Enter your ZIP code to get started

Shield

Free. Simple. Secure.

Key Takeaways

blueCheck icon

Based on our 2025 research, the top three home insurance providers in Iowa are American Family, State Farm and Nationwide.

blueCheck icon

American Family offers the best overall home insurance for most Iowa homeowners. For those with newer homes, State Farm could be a more suitable option.

blueCheck icon

To choose the best option, determine your coverage needs, research costs and company details, and compare multiple quotes.

Compare Home Insurance Rates

Ensure you're getting the best rate for your home insurance. Compare quotes from the top insurance companies.

Why do we need ZIP code?

Who Are the Best Home Insurance Companies in Iowa?

The best home insurance companies in Iowa are American Family, State Farm, Nationwide, Farmers and Farm Bureau. American Family excels in both affordability and customer service, while Nationwide offers the best coverage options. Compare all our top picks below.

American Family93113
State Farm90324
Nationwide83241
Farmers74435
Farm Bureau68552

*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.

Best Homeowners Insurance Companies by Category

Our rankings reflect the best overall providers, but what’s best for you may differ based on your home type or personal needs. Below, we highlight the top insurers across major categories.

American Family93Overall
American Family93Older Homes
American Family93Newer Homes
American Family93High-Fire-Risk Areas
American Family93Bad Credit
American Family93With Claims History

Best Iowa Home Insurance Reviews

Explore our top home insurance picks in Iowa, showing leaders in affordability, customer service and diverse coverage options.

American Family: Best for Affordability

American Family is the cheapest provider for home insurance in Iowa, and is ranked the best provider in all our study categories. Additionally, the provider has strong customer service scores, ranking around the industry average for both home insurance customer satisfaction and claims satisfaction according to J.D. Power. It also offers hidden water damage coverage, which addresses damage caused by leaks from within plumbing, heating, air conditioning systems, fire sprinklers, or home appliances that are hidden from view.

Data filtered by:Results filtered by:
Select
Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Credit Tier:Below Fair
Select
Claims History:1 claim in past 5 years
Newer Homes$63$752
Newer Homes in High-Fire-Risk Areas$63$752
Older Homes in High-Fire-Risk Areas$111$1,336
Older Homes$111$1,336

State Farm: Best for Customer Service

State Farm may not be the most affordable on our list, but it leads in customer service among Iowa home insurance companies. It has a strong availability of local agents and ranks seventh for customer satisfaction overall, according to J.D. Power. State Farm also offers unique add-ons like underground utility coverage and extended replacement cost reimbursement to cover potential increases in repair costs.

Data filtered by:Results filtered by:
Select
Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
Select
Deductible:1000
Select
Credit Tier:Good
Select
Claims History:Claim free for 5+ years
Newer Homes in High-Fire-Risk Areas$99$1,189
Newer Homes$99$1,189
Older Homes$165$1,983
Older Homes in High-Fire-Risk Areas$165$1,983

Nationwide: Best for Coverage

For new homeowners in Iowa, Nationwide is the most affordable option for home insurance. It also offers the strongest coverage options in the state. These include its Brand New Belongings® and Better Roof Replacement® coverages, which helps provide reimbursement for lost personal items and roof damage in the case of a covered loss. Nationwide's customer service is also strong, ranking eighth overall and fifth in claims satisfaction, according to J.D. Power.

Data filtered by:Results filtered by:
Select
Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
Select
Deductible:1000
Select
Credit Tier:Good
Select
Claims History:Claim free for 5+ years
Newer Homes$54$649
Newer Homes in High-Fire-Risk Areas$59$705
Older Homes$148$1,773
Older Homes in High-Fire-Risk Areas$161$1,927

How to Find the Best Home Insurance in Iowa

Use our simple guide to help you understand home insurance options and choose the coverage that fits your needs.

  1. 1

    Determine your coverage needs

    Before choosing a home insurance policy, decide on the coverage level you need. Consider risk factors, the value of your home and your personal belongings.

  2. 2

    Research costs and discounts

    Figure out how much home insurance costs in Iowa to see if providers truly offer savings. Also, check for discounts you qualify for to maximize your savings.

  3. 3

    Find the best providers for you

    After researching coverage and costs, narrow your search for the best and cheapest home insurance in Iowa. Use personal research to evaluate customer service ratings, pricing specific to your needs and suitable coverage add-ons.

  4. 4

    Compare multiple providers through all means

    With your research complete, compare providers and check quotes through various methods, as online estimates may differ from those given by brokers or agents over the phone.

Best Homeowners Insurance in Iowa: Bottom Line

American Family, State Farm, and Nationwide are the best-rated homeowners insurance providers in Iowa. While we recommend these providers, researching and comparing options can help you find the best fit for your needs.

Best Home Insurance in Iowa: FAQ

To help you choose wisely, we've answered common questions about home insurance providers in Iowa.

Which company is best for home insurance in Iowa?

Who has the most affordable homeowners insurance in Iowa?

How do you get the best homeowners insurance in Iowa?

How We Decided the Best Home Insurance in Iowa: Our Methodology

We rated the best homeowners insurance providers in Iowa using this methodology:

  • Affordability (55%): Providers scored higher if they were more affordable across various factors. We also evaluated the range of discounts offered.
  • Customer satisfaction (30%): Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
  • Coverage (15%): We assessed the number of add-on options, unique features and availability by state.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.


Copyright © 2025 MoneyGeek.com. All Rights Reserved