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Find the Best Homeowners Insurance in Sioux City, IA

Your home is possibly your most valuable possession, so it’s important to be financially protected in case something goes wrong. The Sioux City Journal has partnered with ConsumerAffairs to create this guide by comparing the national ratings, local customer reviews and availability of more than 30 businesses and choosing five favorites from the top home insurance companies in Sioux City.

Companies pay ConsumerAffairs to be accredited, and the Sioux City Journal and/or ConsumerAffairs may receive compensation when you click a link, call a number or fill out a form on this site.

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Homeowners insurance coverage in Sioux City

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There are two main reasons homeowners buy homeowners insurance in Sioux City: to protect their home and belongings and to meet requirements by a mortgage lender. Homeowners insurance in Iowa covers the physical structure of your home (dwelling), your personal property and your liability in case someone is injured on your property.

When buying homeowners insurance in Sioux City, you should know what coverages are included in your policy, the risks (perils) that are covered and the amounts of coverage. A standard policy may include dwelling, personal property, other structures, personal liability, loss of use and medical payments coverages. But it doesn’t cover flood damage, so if you want flood coverage, you’ll need to make an additional purchase.

  • What homeowners insurance covers: In general, homeowners insurance reimburses you for loss or damage of your physical home and personal belongings due to risks, or perils, including fire and smoke, lightning, wind, hail, falling objects, weight of snow or ice, vandalism or theft. It also covers legal costs if you are responsible for injury of someone on your property.
  • What homeowners insurance doesn’t cover: Standard homeowners insurance usually does not cover loss or damage that is a result of flooding, water backup, mold, earth movements, infestations, lack of maintenance or neglect.

Average home insurance costs in Sioux City

In Sioux City, many residents pay between $500 and $1,000 per year for homeowners insurance. Rates depend on a variety of factors, including:

  • Location of your home in Sioux City
  • Age of your home and its building materials
  • Claims history of your home and other homes in the area
  • If you have protective devices in your home (e.g., alarm system, smoke detectors)
  • Whether you have pets
  • The types and amounts of coverage you buy
  • Your deductible
  • Your credit history

It’s smart to get homeowners insurance quotes from multiple insurance companies, but make sure you are comparing prices for the same coverages and limits. Be sure to ask about what discounts each insurer offers and find out if you qualify.

Sioux City homeowners insurance FAQ

Why is my home insurance so high?

If you think you are paying too much for homeowners insurance, it may be because your deductible is low, you live in a high-crime area, your home is getting old, you live relatively far from a fire station or another reason. It pays to review your policy regularly and shop around for the lowest price; rates can vary significantly from insurer to insurer.

What are the different types of homeowners insurance?

The special form (HO-3) is the most popular type of homeowners insurance. It insures your home against all risks except those specifically excluded, and your personal property from named perils. Basic form (HO-1) protects your home and personal belongings against a limited number of named risks. Broad form (HO-2) covers a larger number of named risks.

Can I buy homeowners insurance online in Iowa?

Yes, you can purchase homeowners insurance online in Iowa. Start by obtaining free quotes online from multiple insurers.

Can you get insurance for an unoccupied house?

Yes, insurers offer this coverage, which can be referred to as vacant property insurance or unoccupied home insurance.

Do insurance quotes hurt your credit?

No, getting insurance quotes won’t hurt your credit score. Insurers do soft credit inquiries, which do not affect your score.

Do you have to have homeowners insurance in Iowa?

No, the state of Iowa doesn’t require homeowners insurance for homeowners. However, if you have a mortgage, your lender will likely require you to carry homeowners insurance to protect its financial interest.

How are homeowners insurance companies regulated in Sioux City?

The Iowa Insurance Division regulates insurance companies in Sioux City and across Iowa.

Sioux City home insurance company information

EverQuote

EverQuote is a large online marketplace that helps connect consumers to quotes from multiple home insurers. It takes just a few minutes for Sioux City residents to put in a bit of information and start receiving pricing details. The company has processed over 35 million quote requests, according to its website. There is no cost to use EverQuote.

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Nationwide

Nationwide homeowners insurance includes coverages for dwelling, other structures, personal property, loss of use, liability and medical payments. Add-ons are available for high-value belongings, water backup, floods and more. Sioux City residents can save by bundling, being a new homeowner, having smoke detectors or being claims-free. Nationwide’s On Your Side review provides a free annual insurance assessment.

Nationwide

Farmers Homeowners Insurance

Farmers offers three customizable home insurance packages: Standard, Enhanced and Premier. Each policy comes with a Declining Deductibles feature, Claims Free Discount and claim forgiveness. Discounts are available for bundling home insurance with auto or life insurance, keeping home systems up to date, living in a home built within the past 12 years or using protective devices. Several Farmers agents are in Sioux City, including at 5406 Morningside Ave., Sioux City, IA 51106.

Farmers Homeowners Insurance

State Farm

State Farm is a leading home insurer in the U.S. Sioux City residents can visit the company’s website to learn what the company covers and doesn’t cover and to find out about home insurance discounts. State Farm has plenty of agents in the Sioux City area to provide you with a quote and help you get coverage.

State Farm

American Family Insurance

Homeowners insurance from American Family Insurance includes coverage for dwelling, detached structures, personal belongings, temporary living expenses and liability. Sioux City residents can get additional protection for water backup, equipment breakdown and siding. The company offers discounts for bundling, making automatic payments and being a loyal customer. American Family Insurance has an agent at 3126 Floyd Blvd., Sioux City, IA 51108.

American Family Insurance