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Best Homeowners Insurance Agencies in Cedar Rapids

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BANKIOWA Insurance, LLC logo
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BANKIOWA Insurance, LLC

2701 Edgewood Parkway Southwest, Cedar Rapids, IA 52404
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  • Renter's Insurance
  • Multiple Policy Types
  • Fire
  • Condos

Business Description

BANKIOWA Insurance, LLC. discusses insurance policy options with residents and business property owners in Cedar Rapids and the surrounding communities. The company provides current and comprehensive homeowners' insurance policy to protect the clients' property against the ever-present risk of hail and tornado in the area. Other risks such as fire and sewer or drain backup are also accounted for in the policy. The company offers insurance policies to both homeowners and renters.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Cedar River Insurance logo
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Cedar River Insurance

1918 Saint Andrews Court Northeast, Cedar Rapids, IA 52402
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

Cedar River Insurance is a Cedar Rapids-based independent insurance agency that is committed to providing the right homeowners' insurance for its clients. It offers a homeowners' insurance policy that covers property repairs, lost valuables, liabilities, and medical and living expenses. Insurance agents also assist with additional coverages that include automobile, earthquake, flood, jewelry, and personal umbrella insurance. Cedar River Insurance has business insurance plans for non-profits, contractors, apartment building owners, and hotels.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (31)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Helpfulness
Detail
Insurance Gurus LLC logo
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Insurance Gurus LLC

2310 Johnson Avenue Northwest, Cedar Rapids, IA 52405
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  • Renter's Insurance
  • Flood
  • Condos

Business Description

Insurance Gurus LLC is an insurance agency in Cedar Rapids that shops insurance policies for its customers. Among the company's products is homeowners insurance that safeguards the house, other structures, and personal belongings from huge financial losses. The insurance policies also provide coverages for additional living expenses, liability protection, and medical payments. They also offer a personal liability umbrella for their homeowners policies. Insurance Gurus LLC is a Trusted Choice independent insurance agency and partnered with several top-rated insurance carriers.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.8 / 5 (39)
Facebook
5.0 / 5 (6)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Mitch Valentine - State Farm Insurance Agent logo
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Mitch Valentine - State Farm Insurance Agent

1520 Midland Court Northeast, Cedar Rapids, IA 52402
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  • Renter's Insurance
  • Multiple Policy Types

Business Description

Mitch Valentine - State Farm Insurance Agent provides insurance assistance to individuals residing in Cedar Rapids, Marion, Hiawatha, and the surrounding areas. Insurance products include auto, pet, home, renters, business, motorcycle, and life. Insurance agents are licensed to give service throughout the state of Iowa. Its four-person team is equipped to give individuals pieces of advice relating to any claiming, billing, and insurance inquiries. Clients can book appointments during evenings and Saturdays.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (125)
Facebook
5.0 / 5 (17)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
SFD Insurance logo
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SFD Insurance

631 9th Street, Marion, IA 52302
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  • Multiple Policy Types

Business Description

Sheets Forrest Draper Insurance is an insurance agency that has been in the industry since 1902. It provides its services in the Cedar Rapids area. Included in the company's insurance plans is home insurance. This type of insurance has multiple coverage options, including property, homeowner's liability, renters, and more. It is a member of the Marion Chamber of Commerce, the Marion Economic Development Company, and the Rotary and Independent Insurance Agents of Iowa.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (34)
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
The Accel Group - Cedar Rapids logo
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The Accel Group - Cedar Rapids

3100 Oakland Road Northeast, Cedar Rapids, IA 52406
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

The Accel Group is an independent insurance agency founded in 1936 with a location in Cedar Rapids. The agency has insurance experts who can help clients find homeowners' insurance policies to protect against risks, small or large. Home insurance can financially protect a property owner against property damage, natural disasters, personal liabilities, medical expenses, personal injury, and off-premises theft. Policies can also include coverage for personal property, fine art, jewelry, collectibles, collectible cars, and wine collections.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.6 / 5 (10)
Facebook
4.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

Introduction

Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.

What determines the price of homeowners insurance premium?

The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

What is the difference between home warranty and homeowners insurance?

Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

Does Geico offer homeowners insurance?

Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

How long does homeowners warranty insurance last?

Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

Does homeowners insurance cover water heaters?

Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

Are RVs covered under homeowners insurance?

Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

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