Homeowners

You've worked hard to get what you have, and you deserve to know that the investment you've made in your home, furniture and personal belongings is secure. Whether you own your home or condominium, or rent a house or an apartment, there's an Iowa Mutual Homeowners Policy designed with the protection you need.

Several options are available to protect your home. Your Iowa Mutual agent will tailor a policy to meet your unique coverage needs and financial requirements.

 

Both Standard and Premier coverages are available. Consult your Iowa Mutual agent for details.

Iowa Mutual’s Standard Homeowners Coverage

• Covers most common home perils, including fire, theft, vandalism and windstorm

• Covers personal property, including clothing, furniture and appliances
• Covers damage to additional structures on premises
• Provides additional living expenses
• Covers personal liability
• Covers medical payments to others

Available Optional Coverage

• Provides replacement cost on contents
• Covers jewelry, furs, silver, collectibles and antiques
• Covers earthquake
• Covers water backup (sewer and drains)
• Covers eligible watercraft

Automatic features

• Guaranteed replacement cost protection for home
• Replacement cost protection for personal property (Higher limits on specified personal property)
• Freezer coverage: Up to $500 for food spoilage
• Personal injury
• Water back-up coverage: $2,500* (higher limits are available)
• Medical payments related to injury of others
• Inflation guard
• Outboard motor liability
• Liability coverage
• Limited business coverage
• Identity theft coverage up to $15,000

Requirements

• HO-3/ HO-5: $80,000 minimum
• Homes built since 1950 with required updates completed within the last 15 years
• Insured to full replacement cost
• Protection class 1-8 (Suburban Protection Plan applies)
• No solid fuel heaters or free-standing fireplaces
• No more than one loss in the last three years

• 5% New Business Claim-free Discount All coverage within a new account must be loss-free for three years.*
• 15% Multi-policy Discount (10% IL) Applies to a new or renewed account and must include both a Homeowners policy (excluding HO-4) and a Personal Auto policy.
• 20% IM Special Discount Additional credit if requirements are met.
• 5% Renewal Discount Applies to monoline or package policies after the first policy period.
• 5% Renewal Claim-free Discount Additional credit for accounts having zero loss in the previous three-year period.*

Applicable when eligibility requirements are met to Standard, Premier and Ultimate Personal Auto, Motorcycle, All-terrain Vehicles, Comprehensive Personal Liability, Dwelling, Homeowners and Personal Inland Marine.

*Claims under UM/UM or physical damage other than collision are not included in the claims-free discount calculation.

 

No coverage is provided by this website. This website only illustrates coverages offered under Iowa Mutual Homeowners program. It is not a statement of all policy coverages, provisions, conditions or changes. Certain deductibles, provisions and limits may apply. Please see your group agent for a complete listing of policy coverages and provisions. If there is a conflict between this website and the policy, the policy provisions shall prevail.