Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Iowa

Our Recommended Top 13

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Iowa Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

1806Reviewed

1088Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
Cedar Rapids

Why choose this provider?

Cedar River Insurance helps families and individuals find the best policies in Iowa. It offers a variety of personal protection plans, including homeowners' insurance. The independent company, regarded as the leading insurance provider in the Hawkeye State, furnishes personal property, medical and living expenses, and liability coverages. Its specialists also process life, flood, umbrella, and auto insurance. Additionally, they serve business owners who want to acquire BOP, general liability, and builders' risk policies. Cedar River Insurance represents multiple carriers, such as Travelers, American Modern, and Chubb.

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

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

Website
Sioux City

Why choose this provider?

Sterne Akin is the best State Farm agent who serves clients in Iowa and its neighboring metros. He has been in the industry for over 14 years, providing the best homeowners', life, health, auto, and business insurance. Akin helps homeowners insure their property in events of damage from natural disasters, fire, vandalism, or theft. He is a designated Chartered Financial Consultant and offers mutual funds, annuities, and banking. Akin also serves as a member of the Siouxland Chamber of Commerce.

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
4.9 / 5 (53)
Facebook
5.0 / 5 (5)
Yelp
4.5 / 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
Responsiveness
Friendliness
Helpfulness
Detail

Website
Cedar Falls

Why choose this provider?

Brad Jacobson is a State Farm insurance agent who has been serving Iowa for over two decades. He assists individuals and families in obtaining cheap homeowners' insurance to protect clients' properties and personal valuables, including firearms, banknotes, and silverware and goldware. He also helps customers acquire renters', life, health, auto, and motorcycle insurance. Additionally, Jacobson furnishes commercial insurance, which includes liability umbrella, BOP, and workers' compensation policies. He has been a Chartered Life Underwriter since 2001.

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
4.9 / 5 (93)
Facebook
4.8 / 5 (17)
Yelp
5.0 / 5 (1)

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

Website
Davenport

Why choose this provider?

Jorgensen Insurance Agency has been serving individuals and families in Iowa for over two decades. The company offers the best homeowners', auto, life, health, and business insurance, in addition to long-term care and disability coverage. Its homeowners' insurance policy includes various coverages, such as medical and living expenses, personal property, and liability. Its agents direct clients to additional policies like earthquake, flood, umbrella, and jewelry insurance. The Trusted Choice agency represents various carriers, including Travelers, Safeco, Progressive, and Hartford.

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 (28)
Facebook
5.0 / 5 (11)

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

Website
Des Moines

Why choose this provider?

The Insurance Specialist, Inc., caters to individuals and families in Iowa. Regarded as the best in the state, it has been in the industry for over 24 years, providing the most affordable homeowners', renters', auto, motorcycle, and business insurance policies. The Trusted Choice agency designs homeowners' insurance policies to cover clients' liability in case of accidents and damage to their property. In creating personalized policy designs, its agents recommend flood and earthquake insurance for additional coverage. To give back to the community, the company supports local organizations like the Animal Rescue League 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
4.6 / 5 (143)
Facebook
5.0 / 5 (51)

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

Website
Solon

Why choose this provider?

Ellison Insurance Agency, Inc., is a local business that serves clients in Iowa. It offers the state's best personal and commercial lines of insurance, which include policies for homeowners. These provide coverage for liability defense costs, residential property damage claims, and medical expenses for injuries to others. As an independent firm, Ellison Insurance Agency represents a variety of carriers, such as Progressive, Nationwide, and American Modern. Company president and owner Mike Krall took insurance and accounting as his major in college.

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 (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

Website
Clive

Why choose this provider?

Absolute Insurance Agency, LLC, is an independent firm that caters to clients in Iowa. It handles a variety of products, including the best homeowners', condo, life, health, auto, and business insurance. Its policies for homeowners provide coverage for the clients' repair and replacement expenses in case of vandalism, theft, or fire. These also pay for their medical and additional living expenses. Agency owner and president Jeff Eastvold has been in the insurance sector since 1991.

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
4.9 / 5 (178)
Facebook
5.0 / 5 (114)
Yelp
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

Website
Des Moines

Why choose this provider?

Tim Ford is Iowa's best insurance agent catering to clients in the Hawkeye State. He has been working for State Farm since 1996, providing homeowners', life, health, auto, and business insurance. Tim customizes homeowners' insurance policies to protect clients and their belongings from catastrophes like fire, vandalism, and theft. He has been a perennial qualifier for various State Farm awards, such as Life Honor Club and Ambassador for Life. Tim is also a member of local organizations, including the Beaverdale Neighborhood Association.

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
4.9 / 5 (118)
Facebook
4.8 / 5 (36)

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

Website
Cedar Rapids

Why choose this provider?

Mitch Valentine is the best State Farm agent serving clients in the Iowa community. He offers a selection of insurance products, including homeowners', renters', life, health, auto, and business insurance. Valentine helps homeowners protect their property from damage, providing loss of use and additional living expenses coverage. This policy also covers the client's keepsakes like jewelry and collectibles. He offers assistance with mutual funds, banking, and annuities. Valentine holds an RICP designation, helping people with retirement planning and investing needs.

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

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

Website
Des Moines

Why choose this provider?

Mauro Insurance is a family-owned company that serves Iowa. It helps individuals and families obtain cheap personal protection plans, which include homeowners' insurance. The agency creates customized coverages for clients' investment properties and personal valuables. It also furnishes life and auto insurance. In addition, it processes general and liquor liability and workers' compensation policies. The carriers it partners with include Travelers, Nationwide, Progressive, and The Hartford. Mauro Insurance has been in business for over five decades.

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

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

Website
Des Moines

Why choose this provider?

Brad Van Meter is an insurance specialist who serves clients in Iowa. He caters to individuals and families around the state, helping them acquire the best homeowners' insurance policies. He processes liability coverage to protect policyholders from financial losses caused by property damage. The agent also offers other personal protection plans, such as car, motorcycle, life, health, and renters' insurance. In addition, Brad processes workers' compensation and liability umbrella plans. He has been a part of State Farm for two decades.

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.
4.6

Website
Iowa City

Why choose this provider?

Chad Burtch ranks among the best State Farm agents serving families and individuals in Iowa. Since 2003, he has been helping clients protect their assets by providing homeowners', auto, life, health, pet, and business insurance. Burtch works closely with homeowners to determine their needs and tailor the policy based on their situation. He helps obtain liability protection in case of someone obtaining injury in their premises. Additional services include assistance in matters of banking, annuities, and mutual funds. Burtch holds various designations, including FSS and FSCP.

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
4.9 / 5 (388)
Facebook
4.9 / 5 (170)
Yelp
4.5 / 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
Responsiveness
Friendliness
Helpfulness
Detail

Website
Iowa City

Why choose this provider?

Relion Insurance Solutions is the best independent agency serving clients in Iowa. It provides a variety of the best products, including homeowners', auto, life, and long-term care insurance, in addition to general liability and workers' compensation coverage. Its agents tailor these policies to protect their valuable assets and help them plan for the unexpected. They design cheap homeowners' insurance that covers the policyholder's medical expenses, personal liability, property damage, and loss of use. The company represents multiple carriers, including Hagerty, Integrity, Nationwide, Progressive, and Travelers.

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.
4.6

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

FAQs

  • 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.

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