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iowa homeowners insurance

There's no denying it: Living in Iowa can be downright heavenly (where have we heard that before?). So it's no surprise how many homeowners can be found in the Hawkeye State — as of the last census, Iowa's homeownership rate was above 70 percent, well beyond the national average. Of course, just as important as where you make your home is how you protect it down the road.

Get Iowa homeowners insurance from Esurance with customizable coverage limits, a flexible payment schedule, and much more for your home and family. Get your free quote online and see how easy it is to save on top-quality coverage.

discounts on iowa homeowners insurance

Iowa is known for its agricultural charms — from real crops to more surreal beauties, like the world's largest strawberry (made of fiberglass!) in Strawberry Point. What could be sweeter? Well, saving money on your Iowa home insurance, whether you're in Des Moines, Sioux City, or elsewhere in the Hawkeye State. That's why we offer an assortment of easy-to-nab discounts.

Welcome Home discount

Just for buying your Iowa homeowners insurance from Esurance, we'll give you a nice discount on your premium for the first 2 policy terms.

Already insure your favorite 4 wheels with Esurance? Awesome! By bundling your Iowa home and auto policies, you'll save big with our Multi-Policy discount.

Our other discounts include:

  • Smoke-Free discount
  • Claim-Free discount
  • Preferred Buyer discount
  • Hail Resistant Roof discount
  • Future Effective Date discount
  • DIY Inspection discount
  • Loyal Customer discount
  • Home Safety Features discount
  • New Home discount

standard home coverages in the hawkeye state

A great homeowners policy should protect more than just the structure of your home. Coverage from Esurance also safeguards your financial future, your family's liability, and even your visitors.

Explore a sampling of the options we offer Iowans.

Dwelling protection

Your state averages an extraordinary 35 tornadoes per year, one of the highest rates in the U.S. Such weather-related risks could wreck your house, calling for costly repairs you can't ignore. Fortunately, your policy protects you from damages due to wind, hail, fire, and more, and even pays for repairs following a covered loss.

Other coverages that come standard with an Esurance policy include:

  • Guest medical protection
  • Personal property protection
  • Additional living expense coverage
  • Other structures coverage

additional coverage options

You want the best for your home and belongings. Optional coverages from Esurance can help you further customize your policy.

Eco upgrade

Iowa has become known in recent years for its green efforts. For instance, Iowa City scooped up a prestigious award from ICLEI USA, a nonprofit that promotes sustainability, for reducing its greenhouse gas emissions. So it makes sense you'd want to run an energy-efficient Iowa household too.

If an appliance in your home breaks due to a covered incident, eco upgrade coverage will upgrade you to a snazzy new ENERGY STAR qualified product. It's environmentally-friendly and even saves you a ton of green.

Building codes coverage

If a covered risk damages your house beyond repair, you could potentially be forced you to rebuild. And if newer codes require rebuilding that exceeds the limits of your regular home policy, what do you do? This coverage can help toward paying the difference.

Esurance also offers optional protection like identity theft expense coverage and additional coverage on jewelry, watches, and furs (in case you've got some tucked away for those Iowa winters).

Related links

5 things burglars want to steal from your home
Find out how you can protect your belongings and ward off potential burglars.

7 money-saving maintenance tips
Save time and money by doing these simple everyday tasks at home.

Wonder if you could be saving on homeowners insurance?

get your free quote online

or call 1-866-439-5633