Iowa renters insurance

Iowa renters insurance coverages

Check out the four standard coverages on nearly all Iowa renters insurance policies:

• Personal property protects your personal belongings, including furniture, clothing, and electronics whether they're inside your apartment or elsewhere
• Loss of use helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss
• Personal liability protects you financially if you're legally responsible for another person's injuries or damage to their property
• Medical payments to others pays for medical expenses due to a covered occurrence

Additional coverages

The best renters insurance in Iowa is always a policy with customized coverage. Here are some extra options for when you need more protection:

• Add a rider: Certain valuable items, like jewelry, may have specific limits on your renters policy. If your item exceeds the limit, you may be able to purchase an endorsement called a rider for your policy to cover the item for its value.
• Personal injury coverage: May pay for legal fees and damages if you’re liable for slander or defamation
• Water back-up coverage: Water that backs up through sewers or drains or discharges from a sump pump may not be covered by a standard renters policy. Water back-up coverage may pay for the damage to your belongings and water removal costs.

Learn more about all of our renters insurance coverages.

Is renters insurance required in Iowa?

Renters insurance in Iowa isn’t required by law, but your landlord or rental company may require you to have a renters policy in place. Even if it’s not required, renters insurance offers inexpensive protection for tenants renting homes, condos, and apartments across the Hawkeye State.

Discounts on Iowa renters insurance

Progressive offers several discounts to help lower the cost of renters policies in Iowa, such as:

Is renters insurance worth it in Iowa?

Renters insurance provides affordable protection for tenants in a variety of circumstances. For example:

• A fire in your building causes smoke damage to your furniture. Personal property coverage may pay to replace your damaged items, up to your coverage limit.
• A storm causes a roof leak that damages your rental home, and you must move out while repairs are made. Loss of use coverage may pay for your temporary lodging and food expenses, above what you normally spend, while you are out of your home
• Your dog bites a neighbor in your apartment complex. Personal liability coverage may pay for their medical bills and potential legal fees, up to your coverage limit.

How much is renters insurance in Iowa?

Progressive renters policies in Iowa had an average monthly price of $15.06, or $180.72 an annual policy, in 2023.^** Remember that your cost for renters insurance is determined by many components, including your location, type of residence, and claims history.

Coverage limits may also affect your renters insurance premium. Generally, the more personal property coverage you need, the more you pay for a renters policy. Use our personal property calculator to help you take a home inventory and estimate the value of your belongings.

How can I save on renters insurance in Iowa?

Take advantage of renters insurance discounts to help lower the cost of your renters policy. Progressive offers discounts for bundling multiple policies, quoting in advance, paying in full, and living in a secured or gated community.

There may also be discounts that are only available in your state or county. You can call 1-866-749-7436, or speak with an agent to help ensure you're getting all applicable discounts.

How to quote renters insurance in Iowa