Expertise.com
2024

Last updated:

Best Homeowners Insurance Agencies in Waterloo

Our Recommended Top 14

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 Waterloo 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.

52

Reviewed

36

Curated

14

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
Waterloo, IA
  • Renter's Insurance
  • Multiple Policy Types

Why choose this provider?

Rudolf Insurance Consultants serves the Waterloo metro area and assists clients with homeowners insurance policies. This agency offers assistance with shopping for policies, selecting coverage, and making claims when assets are damaged or destroyed. Rudolf Insurance Consultants works with many homeowners but can also assist clients who need renters insurance to protect their personal property or rental insurance for their dwelling only. Aside from homes, this agency insures automobiles, recreational vehicles, guns, jewelry, and art pieces.

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 (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

Website
622 West 4th Street, Waterloo, IA 50701
  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers
  • Condos

Why choose this provider?

The Sinnott Agency, Inc. has been serving families and individuals with their insurance needs since 1923. This independent insurance agency services Waterloo and nearby areas. Its professionals offer homeowners' insurance services that provide financial protection and risk management. The home policy's coverage options include mobile home, condo, schedule property, and renters' insurance plans. This local business also provides other insurance solutions for automobiles, motorcycles, boats, recreational vehicles, and general liability.

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
4.9 / 5 (30)
Facebook
5.0 / 5 (28)
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.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1700 8th St SW, Waverly, IA 50677
  • Multiple Policy Types

Why choose this provider?

Peoples Insurance Agency is active in the Waterloo metro area and provides clients with a complete assortment of services to assist them with homeowners insurance and sell policies to them that fit their needs. Its property and casualty insurance coverage options can protect customers if their homes are damaged by disasters or vandalism, or if they face lawsuits because someone got hurt on their property. Peoples Insurance Agency offers health and disability insurance plans as well.

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.
4.1
Facebook
4.1 / 5 (71)

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.
2.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1010 East Mitchell Avenue, Waterloo, IA 50702
  • Renter's Insurance
  • Multiple Policy Types
  • Condos

Why choose this provider?

Yarwood Insurance Agency provides auto and home insurance options to clients in Waterloo and the rest of the region. The team of agents caters to clients looking for a homeowners insurance policy that will suit their needs and budget. The agents review the specific situation of the client to determine the type of coverage they need to safeguard their houses and personal belongings against disasters and losses. The offers plans for homeowners insurance, renters insurance, and condo insurance.

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.
4.0
Google
4.0 / 5 (7)

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
4200 University Avenue, West Des Moines, IA 50266
  • Multiple Policy Types

Why choose this provider?

LMC Insurance & Risk Management has been active for over 150 years and gives clients access to a comprehensive assortment of services to protect them from loss if their homes are destroyed or their belongings are damaged. It offers homeowners insurance policies secured by trusted insurance carriers and provides clients with quotes offered by these carriers. LMC Insurance & Risk Management also responds to needs that clients have if they experience issues with policies or want to make claims.

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
213 East San Marnan Drive, Waterloo, IA 50702
  • Multiple Policy Types

Why choose this provider?

Steve Hubbard is a State Farm Insurance agent who offers his services in the Waterloo area. Steve provides auto insurance, life insurance, home insurance, and renters insurance. The agency's homeowners insurance plans cover the reparation and replacement of the items inside a home. They also cover clients' homes from threats like lightning, wind, fire, theft, or vandalism. The policies additionally cover liability claims or lawsuits against the owner of the property.

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 (24)
Facebook
5.0 / 5 (15)

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
3222 Kimball Avenue, Waterloo, IA 50702
  • Renter's Insurance
  • Multiple Policy Types
  • Condos

Why choose this provider?

BANKIOWA Insurance, LLC. offers personal and commercial insurance solutions to clients in areas around Waterloo. The agents guide clients on getting a comprehensive homeowners' insurance policy to protect their private residences and personal belongings in case of common risks in the area such as hail and tornados. Other risks that are covered in the insurance policy include fire and sewer or drain backup. The independent insurance agency partners with multiple insurance carriers to provide customized insurance plans for each client.

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)
Google
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

Website
Waterloo, IA
  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

Why choose this provider?

Jerry Holbrook Insurance Grimes Johnston West Des Moines is an agency that sells homeowners insurance policies. It provides clients with quotes for insurance policies that can cover their homes, personal property, and personal liabilities associated with their property. These policies can also cover medical expenses and living expenses following disasters. Jerry Holbrook Insurance Grimes Johnston West Des Moines assists clients when they need to make damage claims to their insurance carriers too.

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 (24)

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
4919 University Avenue, Cedar Falls, IA 50613
  • Multiple Policy Types

Why choose this provider?

Brad Jacobson - State Farm Insurance Agent protects the assets and properties of homeowners in and around the Cedar Valley. A homeowners insurance agency, it provides policies that safeguard the dwellings and surrounding structures within the properties of its clients. It also offers coverages that secure the contents of properties from damages caused by natural calamities, theft, and accidents. In the event that a house becomes inhabitable, the insurance agency also offers provisions for clients' temporary living expenses. Brad Jacobson has been in business for over 25 years.

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 (65)
Facebook
4.7 / 5 (12)

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
611 Ansborough Avenue, Waterloo, IA 50701
  • Fire
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Flood

Why choose this provider?

Elliott Hartman Insurance Services offers insurance options to individuals, families, and businesses in Waterloo and the surrounding communities since 1959. The company helps homeowners safeguard their private residences and personal belongings against disasters such as water damage from accidents or heaters or cooling systems, snow or ice damage, frozen pipes or plumbing, and fire and smoke. Other disasters that the policy covers include lightning, windstorms, and hailstorms. The policy also covers burglary, theft, vandalism, and break-in damage.

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.
4.3
Google
4.3 / 5 (12)

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
3418 Lafayette Road, Evansdale, IA 50707
  • Renter's Insurance
  • Multiple Policy Types
  • Condos

Why choose this provider?

Morris & Associates is a homeowners' insurance agency in Evansdale that also assists families in Waterloo with their insurance needs. The agency's team of insurance agents offers homeowners different types of coverage to ensure the protection of their homes and personal possessions against losses caused by natural disasters and unfortunate events such as theft and property vandalism. Other than homeowners' insurance, Morris & Associates also provides condo and renters insurance as well as auto and life insurance policies.

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.
4.4
Google
4.4 / 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

Website
1010 East Mitchell Avenue, Waterloo, IA 50702
  • Multiple Policy Types

Why choose this provider?

Matt Hennig- State Farm Insurance Agent has been serving State Farm clients since 2008. This Waterloo-based insurance agent has over 18 years of experience providing financial services and insurance solutions, including homeowners' insurance. Matt Hennig gives a variety of coverage options to ensure home protection against natural disasters and other events. Home insurance covers the damage caused by lightning, wind or hail, theft, and vandalism. He also provides auto, property, business, health, and life insurance products.

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.
4.8
Facebook
5.0 / 5 (13)
Google
4.5 / 5 (10)

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
6600 University Avenue, Des Moines, IA 50324
  • Multiple Policy Types

Why choose this provider?

Smith-Kenyon Insurance sells homeowners insurance policies. Its founder has more than 30 years of experience consulting clients about insurance and he and his team help them to shop through policies offered by various carriers at different rates. The agency also services policies by being available to help clients when they have issues with their terms and responding to their needs when they want to file claims. Smith-Kenyon Insurance offers renters insurance and special property insurance coverage too.

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 (12)

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
3022 Airport Boulevard, Waterloo, IA 50703
  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers
  • Flood
  • Fire
  • Earthquake
  • Condos

Why choose this provider?

PDCM Insurance has provided personal and business insurance options for clients in Waterloo and the surrounding communities for a century. The agents cater to both new clients looking to get a homeowners insurance policy and existing policyholders who want to manage their accounts by changing their policy or filing for a claim, such as accidents or incident reports. The homeowners insurance policies cover the client's house and personal items against misfortunes ranging from minor theft to major natural disasters.

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.
4.5
Google
4.7 / 5 (39)
Facebook
4.3 / 5 (12)
Yelp
1.0 / 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

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.
  • In Waterloo, should you apply for the Iowa FAIR Plan Association (Plan) immediately or shop around first?

    Individuals and families in Waterloo are encouraged to shop around first when choosing homeowners' insurance. Through this, they can look for more flexible coverage and better insurance premiums. The Iowa FAIR Plan Association (Plan) must be their last resort because this type of policy only provides basic hail, wind, fire, and lightning coverage.

  • Does homeowners' insurance in Waterloo cover stolen jewelry and valuable items?

    In Waterloo, basic homeowners' insurance may cover the replacement costs of stolen jewelry or valuable items up to a certain limit. However, if individuals own expensive jewelry or art collections, they can obtain an additional valuable item plus endorsement policy to protect them from out-of-pocket expenses in case of theft.

  • Can you reimburse identity fraud expenses using your homeowners' insurance in Waterloo?

    Yes. If you become a victim of identity fraud, you can use your homeowners' insurance to reimburse expenses for clearing your name and addressing issues on your medical identification, Social Security, and credit card numbers. Your identity fraud expense reimbursement coverage can cover travel expenses (up to $1,000 a week for up to five weeks), reasonable attorneys' fees, and access to consumer fraud specialists.

  • Does homeowners' insurance in Waterloo cover the replacement or repair cost of a broken television?

    It depends on the situation. Homeowners' insurance in Waterloo may cover the replacement or repair cost of a broken television if it is damaged due to unforeseen perils like theft, fire, and natural disasters. However, it may not be covered if the damage is caused by electrical or mechanical failure. Individuals can purchase a separate equipment breakdown coverage to prevent out-of-pocket expenses.

  • If you have bundled homeowners' and auto insurance in Waterloo, can you cancel your auto insurance policy?

    Yes. You may cancel your auto insurance policy in Waterloo anytime even if your homeowners' and auto insurance are bundled. However, you have to speak with your insurance agent or agency to inform them that you want to cancel one of your policies. You also must be aware that you may lose your multi-policy discount.

  • 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.

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