“I lost all of my belongings in an apartment fire last year. RentalInsurance.org got me a cheap plan that covered all my stuff. I never have to worry about losing my things again!”

Veronica, New York

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Iowa Renters Insurance

Many people think that insurance, any kind of insurance, is difficult to obtain and incredibly expensive. In Iowa, the Iowa Insurance Division has worked hard this past decade to improve the communication between policy holder and insurance agent to make Iowa renters insurance easy to understand, to obtain and to submit a claim with. Today, you can insure the contents of your home for as little as $10 a month! RentalInsurance.org makes this process easy and secure. Enter your zip code and complete the form to get free, no obligation quotes from agents in your area.

For anyone who rents an apartment, condo, trailer or rental home, you are not eligible for Homeowners insurance; this is only for the homeowner. Your landlord probably has insured the building and the property where you live. The contents of your dwelling is your responsibility and just as important to you as the home owner. This is the reason that substantial coverage was developed for the renter.

Renters insurance, also known as apartment insurance, is much simpler than Homeowners and also less expensive. Iowa renters insurance was made affordable so that tenants could also attain adequate coverage of their possessions in case of an emergency. There are three types of renters insurance: basic or standard, broad form, and comprehensive. These three types of policies will protect your home from fire, ice, snow, theft, acts of vandalism, smoke damage, wind or hail damage, electrical surges, plumbing damage, falling objects, or explosions. With the comprehensive policy, flood damage is also included, which, in the plains of Iowa, could be significant. It will also include separate coverage on more expensive items that you own. Speak with a rental agent to determine which policy would be best for your belongings.

The low cost of a rental policy does not mean that it is not complete. If you have had to leave your dwelling, Iowa renters insurance will reimburse you for days in a hotel and incidentals that you need. There are no worries when the actual tragedy occurs.

In order to compare quotes from different companies, you will need to know what you have in your rented apartment or condo. If you have never attempted this, it is time to take a complete inventory of your possessions so you can get the right quote. The average is cost of a tenant’s possessions is somewhere around $20,000. The average insurance premium in Iowa is less than $200 a year, which is lower than much of the country. For as little as $17 a month, you can secure you and your families possession from a catastrophe! Whether you live in Le Mars, Ames or Dubuque you will find the right policy for your situation.