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2025

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Best Homeowners Insurance Agencies in Iowa

Our Recommended Top 13

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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

Best Homeowners Insurance Agencies Serving Iowa
Cedar Rapids

Expertise.com Rating

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.

Best Homeowners Insurance Agencies Serving Iowa
Cedar Rapids

Expertise.com Rating

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.

Best Homeowners Insurance Agencies Serving Iowa
Des Moines

Expertise.com Rating

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.

Best Homeowners Insurance Agencies Serving Iowa
Des Moines

Expertise.com Rating

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.

Best Homeowners Insurance Agencies Serving Iowa
Des Moines

Expertise.com Rating

Review Sources

Google
4.6 (143)
Facebook
5.0 (51)

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.

Best Homeowners Insurance Agencies Serving Iowa
Iowa City

Expertise.com Rating

Review Sources

Google
4.9 (388)
Facebook
4.9 (170)
Yelp
4.5 (3)

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.

Best Homeowners Insurance Agencies Serving Iowa
Iowa City

Expertise.com Rating

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.

Best Homeowners Insurance Agencies Serving Iowa
Solon

Expertise.com Rating

Review Sources

Google
5.0 (4)

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.

Best Homeowners Insurance Agencies Serving Iowa
Des Moines

Expertise.com Rating

Review Sources

Google
4.9 (118)
Facebook
4.8 (36)

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.

Best Homeowners Insurance Agencies Serving Iowa
Cedar Falls

Expertise.com Rating

Review Sources

Google
4.9 (93)
Facebook
4.8 (17)
Yelp
5.0 (1)

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.

Best Homeowners Insurance Agencies Serving Iowa
Sioux City

Expertise.com Rating

Review Sources

Google
4.9 (53)
Facebook
5.0 (5)
Yelp
4.5 (3)

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.

Best Homeowners Insurance Agencies Serving Iowa
Clive

Expertise.com Rating

Review Sources

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

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.

Best Homeowners Insurance Agencies Serving Iowa
Davenport

Expertise.com Rating

Review Sources

Google
5.0 (28)
Facebook
5.0 (11)

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.

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Cedar River Insurance
1918 Saint Andrews Court Northeast, Cedar Rapids, IA 52402
Mitch Valentine - State Farm Insurance Agent
1520 Midland Court Northeast, Cedar Rapids, IA 52402
Brad Van Meter - State Farm Insurance Agent
4229 Fleur Dr, Des Moines, IA 50321
Mauro Insurance
4314 SW 9th St, Des Moines, IA 50315-3961
The Insurance Specialists, Inc
514 East Euclid Avenue, Des Moines, IA 50313
Chad Burtch - State Farm Insurance Agent
1929 Keokuk Street, Iowa City, IA 52240
Relion Insurance Solutions
24 Westside Drive, Iowa City, IA 52246
Ellison Insurance Agency, Inc.
132 East Main Street, Solon, IA 52333
Tim Ford - State Farm Insurance Agent
2217 Beaver Ave, Des Moines, IA 50310
Brad Jacobson - State Farm Insurance Agent
4919 University Avenue, Cedar Falls, IA 50613
Sterne Akin - State Farm Insurance Agent
5704 Sunnybrook Drive, Sioux City, IA 51106
Absolute Insurance Agency, LLC
7400 University Avenue, Clive, IA 50325
Jorgensen Insurance Agency
2304 Jersey Ridge Road, Davenport, IA 52803

Iowa Homeowners Insurance Agency FAQs

  • Iowa?

    Iowa?

  • Iowa?

    Iowa?

  • When can individuals apply for the Iowa FAIR Plan?

    Individuals can apply for the Iowa FAIR Plan if they cannot purchase homeowners' insurance in the private market due to their claim histories. However, applicants cannot qualify for this type of plan if their dwelling has unsafe or high-risk conditions, is vacant or in foreclosure, or has defective plumbing and heating systems.

  • Is the Iowa FAIR plan renewable?

    Yes. Individuals and families can renew their Iowa FAIR plan three times every year. However, the plan may not be renewed in the fourth year because policyholders are advised to shop around for homeowners' insurance in the standard marketplace. If homeowners' insurance is not available for them, then they can reapply for a new FAIR plan.

  • In Iowa, when is bundling auto and homeowners' insurance a wrong move?

    Combining homeowners' and auto insurance could be a mistake if you have specialized insurance needs in Iowa. For example, high-risk homeowners and individuals with SR-22 insurance filing requirements are not eligible for the discounts. It is not a good idea to bundle insurance policies if you are benefiting from loyalty discounts and already have a great deal from a carrier that only offers one type of insurance.

  • What is the average cost of homeowners' insurance in Iowa?

    Homeowners' insurance in Iowa ranges from $1,400 to $1,530. Individuals and families can reduce their monthly or yearly insurance premiums if they bundle multiple policies and invest in home protection devices such as smoke detectors, burglar and fire alarm systems, and hail-resistant roofs. They can also obtain discounts if they pay their insurance in full.

  • What factors affect homeowners' insurance rates in Iowa?

    In Iowa, homeowners' insurance rates depend on policyholders' insurance scores, credit histories, claims, and deductibles. They can pay higher insurance premiums if they own dogs and their houses are old and located in high-risk areas. The rate also depends on the properties' roof condition and if they have wood-burning stoves or home-based businesses.

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