Iowa Home Insurance – Save Money Now

Are you overpaying for Iowa home insurance? The average Iowa home insurance rate is a whopping $50* per month—roughly $610 per year. If you own a home in the Hawkeye State and think $610 is too much to pay for Iowa home insurance, following these money-saving tips may save you 30 percent or more.

Iowa Home Insurance Excludes Flood Damage

The Iowa floods of 1993 and 2008 proved that flood damage is not to be taken lightly. Unfortunately, flood damage is not covered by a standard Iowa home insurance policy. Even if flood damage is brought on by a disaster that is covered by your home insurance policy, like a hurricane or rain storm, you will still need flood insurance to be covered.

3 Ways to Save on Your Policy

Here are a few money-saving tips to make your Iowa home insurance more affordable:

• Higher deductibles translate into lower premiums. Raising your deductible could reduce your premium by up to 25 percent.
• Multi-line savings: Bundle your home/renters and auto insurance with a single company and save as much as 15% on both policies.
• Ask about discounts: Discounts for home security systems, smoke detectors and fire-retardant roofing can reduce your Iowa home insurance premium.

Shop Around, Save $$

Whether you live in Des Moines, Cedar Rapids or anywhere in between, shopping around may save you a bundle on Iowa home insurance. Comparing quotes from several companies is the simplest and most effective way to reduce your premium.

Iowa home insurance is pricey, and hard-working homeowners in the Hawkeye State can’t afford to overpay. Get a free home insurance quote with InsWeb and see how much you could save.

*National Association of Insurance Commissioners, 2006