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.
Best Homeowners Insurance in Iowa
Updated: June 21, 2025
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Key Takeaways
Based on our 2025 research, the top three home insurance providers in Iowa are American Family, State Farm and Nationwide.
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.
To choose the best option, determine your coverage needs, research costs and company details, and compare multiple quotes.
Who Are the Best Home Insurance Companies in Iowa?
| American Family | 93 | 1 | 1 | 3 |
| State Farm | 90 | 3 | 2 | 4 |
| Nationwide | 83 | 2 | 4 | 1 |
| Farmers | 74 | 4 | 3 | 5 |
| Farm Bureau | 68 | 5 | 5 | 2 |
*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 Family | 93 | Overall |
| American Family | 93 | Older Homes |
| American Family | 93 | Newer Homes |
| American Family | 93 | High-Fire-Risk Areas |
| American Family | 93 | Bad Credit |
| American Family | 93 | With 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:
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
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Deductible:1000
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Credit Tier:Below Fair
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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:
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Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
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Deductible:1000
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Credit Tier:Good
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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:
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Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
Select
Deductible:1000
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Credit Tier:Good
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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
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
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
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
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?
American Family is the best homeowners insurance provider in Iowa. It offers top affordability, customer service, and extensive coverage options. State Farm, Nationwide, Farmers and Farm Bureau are also great options in Iowa.
Who has the most affordable homeowners insurance in Iowa?
The most affordable homeowners insurance in Iowa varies based on your individual circumstances. The average cost of homeowners insurance in Iowa is $4,547 annually.
How do you get the best homeowners insurance in Iowa?
To find the best home insurance in Iowa, decide on your coverage needs, research costs and providers and compare multiple options.
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, 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.