There’s much more to life in Iowa today than the image depicted in “American Gothic.” Well known for corn, a rural lifestyle and the Hawkeyes, Iowans enjoy a distinct quality of life in the Corn Belt. Whether you live in west Iowa near Sioux City, in Des Moines or on the eastern side of the state near Dubuque, Safeco offers insurance coverage for your home in the heartland of America. When considering about home insurance coverage in Iowa, keep in mind how the climate and acts of nature in the Midwest has the ability adversely affect your home and property. Make sure your home in Iowa is properly covered. Get your Iowa home insurance quote today.
With standard coverage to help pay for repairs or to rebuild your home and other buildings on your property, Safeco Essential™ offers Iowa homeowners an affordable blend of home insurance coverage and value.
For Iowa homeowners looking for more than our standard level of coverage, Safeco New Quality-Plus™ offers additional coverage and higher limits than Safeco Essential™.
For Iowa homeowners who need additional coverage for extensive assets and treasured belongings, Safeco Optimum™ offers increased levels of protection.
Our highest level of home insurance coverage available, Safeco Ultra™ includes the most coverage enhancements and the highest limits for homes in Iowa.
All Safeco Iowa homeowners insurance policies come packed with standard coverage to help pay for repairs or to rebuild your home and other buildings on your property. In addition to our many popular coverage options, Iowans have the flexibility to choose even more types of home insurance coverage.
Get an additional 25% or 50% more protection than the limit stated in your policy. In the event of a major or total loss to your home, extended dwelling coverage will help pay for unexpected repair or rebuilding costs that exceed the amount covered by your base Iowa homeowners insurance policy.
Coverage for property, merchandise and liability related to some types of home-based businesses such as music lessons, tutoring and accounting can be added to your Iowa homeowners policy.
Get liability coverage for home day care services provided in your home for up to three people.
If your farm is not your main source of income and meets certain eligibility requirements, incidental farming coverage helps cover the cost of damage to your farm property, tools and equipment and for animal collisions. Your home insurance liability coverage is extended to your hobby farm and adds medical payments for farm employees. Ask your Safeco agent if hobby farm insurance is right for you and your farm.
Protection for nonphysical injuries like libel and slander are not part of a standard home insurance policy. Add personal offense coverage personal offense coverage to help protect yourself against libel and slander liability.
Heavy spring rainfall and snowmelt that overwhelms creeks, rivers and drainage systems is the main cause of flooding in Iowa. Heavy rain in the winter can also result in flooding when the frozen ground can’t absorb the excess moisture.
Is flood damage covered by homeowners insurance in Iowa?
Flood damage is not covered by a standard homeowners insurance policy. To insure your home against flood damage, you need to purchase flood insurance backed by the National Flood Insurance Program. Learn more about floods on the Flood Smart website.
Thunderstorms bring high winds, hail and lightning. Lightning can start fires and cause electrical surges that damage home electronics. Lightning and high winds can knock over trees and tree branches that can cause damage to your home or your neighbor’s home and property. Hail is capable of causing significant damage to roofing, skylights and windows.
Does home insurance cover lightning strikes and hail damage?
The cost to repair common lightning and wind damage associated with thunderstorms is covered as part of a typical home insurance policy, as is the cost to repair common hail damage to your roof, siding and personal belongings.
Being on the northeast edge of Tornado Alley, Iowans are familiar with the devastating power of tornadoes. Iowa had an average of 51 tornadoes touch down a year in the period between 1991 and 2010.
Is tornado damage covered by home insurance?
A standard home insurance policy typically covers the cost to repair damage caused by a tornado.
As opposed to the twirling wind of a tornado, the wind of a derecho moves in a straight line with a force strong enough to damage homes and structures in its path.
Does home insurance cover windstorm damage?
Most standard home insurance policies typically cover the cost to repair damage to your home caused by a windstorm.
With an average annual snowfall of two to three feet and below freezing temperatures, winter weather in Iowa has the potential to cause damage to your home and property.
Cold winter temperatures can:
Heavy, wet snow can:
Is home damage caused by winter weather covered?
Your home insurance policy typically helps cover the cost to repair common winter weather damage to your roof, plumbing and personal belongings.
Does home insurance cover wildfire damage in Iowa?
Your home insurance policy typically covers the cost to repair common wildfire damage to your home and personal belongings.