Iowa Homeowners Insurance

Living in the Heartland of America

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.

Iowa Home Insurance Choices

Safeco Essential™

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.

Safeco New Quality-Plus™

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™.

Safeco Optimum™

For Iowa homeowners who need additional coverage for extensive assets and treasured belongings, Safeco Optimum™ offers increased levels of protection.

Safeco Ultra™

Our highest level of home insurance coverage available, Safeco Ultra™ includes the most coverage enhancements and the highest limits for homes in Iowa.

Iowa Home Insurance Discounts

Safeco offers several ways for Iowans to lower your homeowners insurance bill. Talk to your local Safeco insurance agent about ways to save with Iowa home insurance discounts.

Iowa Home Insurance Coverage Options

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.

Above and Beyond

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.

Home Business

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.

Home Day Care

Get liability coverage for home day care services provided in your home for up to three people.

Hobby Farm Insurance

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.

Libel and Slander

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.

Severe Weather and Acts of Nature in Iowa

Flooding in Iowa

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, Lightning and Hail

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.

Tornadoes in Iowa

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.

Derechos and Windstorms in Iowa

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.

Winter Weather in Iowa

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:

  • Freeze and burst pipes
  • Damage gutters and shingles

Heavy, wet snow can:

  • Overload and collapse your roof

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.

Wildfires in Iowa

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.

© 2014 Liberty Mutual Insurance, 175 Berkeley Street, Boston, Massachusetts, 02116

Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria. 36 USC 220506