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Best Homeowners Insurance Agencies in Waterloo

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BANKIOWA Insurance, LLC logo
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BANKIOWA Insurance, LLC

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

Business Description

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
Brad Jacobson - State Farm Insurance Agent logo
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Brad Jacobson - State Farm Insurance Agent

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

Business Description

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
Elliott Hartman Insurance Services logo
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Elliott Hartman Insurance Services

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

Business Description

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
Jerry Holbrook Insurance Grimes Johnston West Des Moines logo
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Jerry Holbrook Insurance Grimes Johnston West Des Moines

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

Business Description

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
LMC Insurance & Risk Management logo
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LMC Insurance & Risk Management

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

Business Description

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
Matt Hennig - State Farm Insurance Agent logo
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Matt Hennig - State Farm Insurance Agent

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

Business Description

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
Morris & Associates Insurance and Services logo
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Morris & Associates Insurance and Services

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

Business Description

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
pdcm.com logo
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pdcm.com

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

Business Description

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.
4.7
Google
4.7 / 5 (39)
Facebook
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
Peoples Insurance Agency logo
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Peoples Insurance Agency

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

Business Description

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Rudolf Insurance Consultants logo
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Rudolf Insurance Consultants

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

Business Description

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
Smith-Kenyon Insurance logo
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Smith-Kenyon Insurance

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

Business Description

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
Steve Hubbard - State Farm Insurance Agent logo
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Steve Hubbard - State Farm Insurance Agent

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

Business Description

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
The Sinnott Agency, Inc. logo
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The Sinnott Agency, Inc.

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

Business Description

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)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Yarwood Insurance Agency logo
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Yarwood Insurance Agency

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

Business Description

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
Back to Providers

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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