Car And Home Insurance Bundles In Iowa 2024

As a former insurance agent who has bundled home and auto insurance with various providers, I’ve found State Farm to excel in overall satisfaction.

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Written by Bob Phillips
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Looking for the best home and auto insurance bundles in Iowa that are also affordable? You’ve come to the right place. With my background as an insurance agent for over 15 years, I’ve helped many find the perfect coverage at a great price.

In this guide, I’ll share insights to help you avoid these pitfalls. We’ll analyze comparison charts, customer reviews, and my personal experiences to present a detailed overview of the best and most economical home and auto bundle companies in Iowa. By the end of this guide, you’ll have the tools to make an informed decision that protects your home and vehicle without overspending.

Best Home And Auto Insurance Bundles In Iowa, 2024

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Best Overall - State Farm
allstateicon-logo
Best Runner-Up - Allstate
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Cheapest - Farmers
Best Insurance Bundles, Iowa, 2024

Compare The Best Home And Car Insurance Bundles In Iowa

Overall Rating Best For A.M. Best Rating J.D. Power Rating Average Bundle Cost Get A Quote
State Farm
4.9

Overall

A++

838

$1,931

Instant Quote
Allstate
4.8

Runner-Up

A+

809

$2,063

Instant Quote
Farmers
4.5

Cheapest

A

813

$1,927

Instant Quote
Nationwide
4.7

Add-On Captions

A+

797

$2,098

Instant Quote
GEICO
4.6

Discounts

A++

801

$2,170

Instant Quote
Scroll to see comparisons

The Best Home And Auto Insurance Bundles in Iowa


Best Overall

Overall Rating
4.9

Key Statistics

9/10 Affordability
10/10 Customer Reviews
8/10 Claim Payouts
9/10 Coverage Level

Why We Like Them

State Farm is considered the top provider of home and auto insurance in Iowa due to its outstanding financial stability and competitive pricing. Both A.M. Best and S&P Global Ratings have assigned State Farm high ratings, highlighting its strong financial standing. This assurance means policyholders can trust State Farm to meet their obligations promptly. Additionally, State Farm offers below-average annual premiums for many drivers, making it an economically beneficial choice for Iowa residents residents.

State Farm’s leading position is underscored by its financial stability, affordability, and extensive coverage options, coupled with personalized service. Whether you’re looking for auto, home, or life insurance, or coverage for recreational vehicles such as ATVs or RVs, State Farm provides solutions tailored to individual preferences. Additionally, their community-oriented approach ensures accessible support, whether you choose to customize your quote online or consult with a local agent.

State Farm’s reputation as the best in Iowa residents is reinforced by its unwavering dedication to delivering outstanding customer experiences. With an outstanding rating of 838 from J.D. Power, State Farm consistently surpasses policyholder expectations, highlighting its commitment to achieving high levels of customer satisfaction.

Securing the best home and auto bundle insurance company in Iowa is vital for your financial well-being. The right insurer provides complete coverage for your home and car, your most valuable assets. Bundling can help you save a lot, simplify managing your insurance, and give you the ease of one provider.

Benefits & Drawbacks

Benefits
  • Affordable bundles
  • Excellent customer care
  • Financial stability
Drawbacks
  • No gap insurance coverage
  • Lengthy claims process
  • Limited discount availability

Best Runner-Up

Overall Rating
4.8

Key Statistics

9/10 Affordability
9/10 Customer Reviews
9/10 Claim Payouts
9/10 Coverage Level

Why We Like Them

For home and auto bundle insurance in Iowa residents, Allstate is a strong choice due to its competitive pricing. Allstate offers considerable savings opportunities through its bundle discounts, enabling Iowa residents to save up to 25% by bundling their home and auto policies.

Allstate offers the unique HostAdvantage home-sharing insurance, providing additional coverage for homeowners who rent out their homes. They also offer a Responsible Payment Discount for good payment history. Despite mixed customer satisfaction ratings, Allstate’s low prices and excellent coverage make it a strong choice for home and auto bundle insurance in Iowa residents.

Securing your assets by bundling home and auto insurance with a reputable Iowa company is a smart choice. This move consolidates your coverage with one trusted provider, offering substantial savings, easier policy management, and smooth claims service. A top-rated insurer guarantees quick and fair claim settlements and excellent customer support, ensuring peace of mind.

Benefits & Drawbacks

Benefits
  • Cost-competitive pricing
  • Wide array of coverage options
  • Energy-efficient replacement coverage
Drawbacks
  • Mixed customer feedback
  • Lengthy claims handling
  • Reliant on local agents

Cheapest

Overall Rating
4.5

Key Statistics

10/10 Affordability
7/10 Customer Reviews
7/10 Claim Payouts
8/10 Coverage Level

Why We Like Them

For Iowa residents, Farmers rises to prominence as the most cost-effective choice for bundling home and auto insurance. Its premiums are much lower than those of many competitors, offering comprehensive coverage without breaking the bank. Furthermore, Farmers’ bundling option can save customers an average of 20% on their policies, making it even more affordable.

Beyond its affordable rates, Farmers Insurance delivers excellent coverage and substantial savings. Iowa residents can tailor their policies to meet their needs with options like dwelling, personal property, liability, and additional living expenses coverage for homeowners, and comprehensive, collision, and liability coverage for auto insurance. Farmers also offers numerous discounts based on policy and location, providing multiple ways for customers to save.

Opting for a reputable insurance provider with low rates for bundling home and auto insurance in Iowa is a smart move. This decision combines your coverage under one trusted provider, saves you money, and simplifies policy management.

Benefits & Drawbacks

Benefits
  • Numerous savings opportunities
  • Wide coverage for both home and auto
  • Most budget-friendly bundle premiums
Drawbacks
  • Inconsistent customer service
  • Limited online capabilities
  • Higher premiums for high-risk drivers

Best For Add-Ons

Overall Rating
4.7

Key Statistics

7/10 Affordability
9/10 Customer Reviews
8/10 Claim Payouts
9/10 Coverage Level

Why We Like Them

In Iowa, Nationwide is a top choice for bundle insurance because of its variety of add-on options. This includes smart home discounts, which provide significant savings for tech-savvy homeowners. Nationwide also offers term life and pet insurance in its bundles, ensuring more comprehensive coverage.

Nationwide offers add-ons for extra protection and convenience, such as home rental coverage for temporary relocations after a covered loss. Additionally, bundling home and car insurance can save customers up to 20%, making Nationwide a cost-effective and comprehensive choice.

Basic coverage for home and auto insurance often doesn’t cover everything. To get more thorough protection, look for a bundle that includes various add-ons. These extras let you adjust your policy to better match your needs, offering protection beyond the norm. Features like roadside assistance and flood coverage can be very valuable in emergencies.

Benefits & Drawbacks

Benefits
  • Acclaimed for great customer service
  • Offers 10+ additional coverage options
  • 20% savings with bundled policies
Drawbacks
  • Online features are limited
  • Pricing is less competitive
  • Local agents are essential

Best For Discounts

Overall Rating
4.6

Key Statistics

9/10 Affordability
7/10 Customer Reviews
7/10 Claim Payouts
9/10 Coverage Level

Why We Like Them

Opting for GEICO to bundle your insurance in Iowa is a great way to cut costs on both home and auto policies. GEICO’s multi-policy discount is a major advantage, automatically applied when you combine auto insurance with coverage for homeowners, renters, condos, or mobile homes. GEICO also extends discounts to students, military personnel, and federal employees, making it a versatile choice.

GEICO’s savings go beyond just bundled insurance discounts. By covering more than one car with GEICO, you could enjoy discounts of up to 25% on various auto insurance coverages. Additionally, GEICO offers special discounts for membership, organizational affiliations, or employees, enhancing your chances for extra savings.

Bundling home and auto insurance in Iowa provides clear financial benefits. A company that offers various discounts not only eases your financial load but also demonstrates its commitment to customer satisfaction. Savings from multi-policy, claims-free, and loyalty discounts can significantly lower your yearly premium.

Benefits & Drawbacks

Benefits
  • Strong online access for customers
  • Attractive and competitive rates
  • Several policy discounts offered
Drawbacks
  • Some issues reported with customer service
  • Prices may rise unexpectedly
  • Limited local office presence

The Cheapest Non-Bundle Combinations In Iowa

Auto Insurance Company Home Insurance Provider Annual Premium
State Farm Allstate $2,160
Allstate Farmers $2,242
Farmers Allstate $2,359
Travelers Allstate $2,492
Allstate Travelers $2,312
State Farm Allied $2,347
Allstate State Farm $2,881
Travelers State Farm $2,956
Farmers State Farm $2,822
State Farm Farmers $1,970
Travelers Farmers $2,309

Average Home And Auto Insurance Rates In Iowa By City

City Avg. Monthly Home Insurance Rate Avg. Monthly Auto Insurance Rate Avg. Monthly Rate Of Bundled Policies
Des Moines $170 $142 $192
Cedar Rapids $164 $135 $183
Davenport $153 $140 $188
Sioux City $198 $152 $183
Iowa City $162 $121 $188
Waterloo $167 $140 $183
Ames $160 $120 $188
West Des Moines $167 $133 $192
Dubuque $158 $138 $183
Ankeny $164 $124 $192

Reasons You Should Bundle Your Insurance

Significant Savings On Premiums

You can reduce your premiums substantially by bundling your home and auto insurance. Experian suggests you might save up to 25% this way. Insurers typically offer these discounts to customers who buy multiple policies from the same company.

Enhanced Customer Service Experience

The superior customer service that comes with bundling your home and auto insurance is a major but often overlooked advantage. By bundling your policies, you become a more valuable client, which often results in quicker response times, better service, and more personalized attention.

Simplified Insurance Management

Another benefit of bundling insurance is the convenience factor. Managing several policies from different insurers can be cumbersome, with separate bills, renewal dates, and contact points. Bundling your home and auto insurance simplifies management, reduces paperwork, and removes the need to communicate with multiple insurance companies.

Reasons You Should Not Bundle

Limited Flexibility

Combining your insurance policies could limit your coverage options and flexibility. Every insurer has its own strengths and weaknesses – a company that is great with auto insurance might not be as effective with home insurance. By bundling, you may be giving up the chance to secure the best coverage for each policy from different insurers.

Risk Of Overlooking Better Deals

Bundling insurance can sometimes result in complacency, causing you to miss out on better deals from other insurers. When a bundle saves you money, you might not feel inclined to shop around at renewal time, which could lead to missed opportunities for substantial savings or enhanced coverage.

Potential For Higher Rates

While bundling home and auto insurance generally reduces costs, it can occasionally increase your rates. This happens when a company has competitive auto insurance rates but not as affordable home insurance rates. Therefore, getting both policies from one insurer might result in higher costs for one of the policies.

How To Bundle Home & Auto Insurance

Here are five steps to bundling your auto and home insurance easily and efficiently:

Determine Your Coverage Needs

Understanding your coverage needs is the first step in bundling your home and auto insurance. Evaluate the worth of your home and vehicle, determine the level of protection required, and consider any specific needs due to your location or personal situation. This step is crucial for getting the right bundle.

1

Gather Information About Your Home And Vehicle

After you know what coverage you require, gather all relevant information about your home and car. This includes the age and state of your house, any security measures installed, your vehicle’s make and model, your driving history, and any other important details. Insurance firms will use this information to give you accurate quotes.

2

Compare Quotes From Different Insurers

After you’ve compiled all the necessary information, start looking for quotes from different insurance providers. You can do this online or by contacting an insurance agent. It’s crucial to get quotes from several companies to find the best offer. When comparing them, look at both the price and the details of the coverage, including any exclusions.

3

Review Each Offer Thoroughly

When you receive multiple quotes, thoroughly review each offer. Pay attention to the coverage specifics, deductibles, policy limits, and any additional benefits. Additionally, consider the company’s reputation, their customer service, and their claims handling procedures.

4

Make Your Purchase

After considering all the offers and choosing the bundle that best fits your requirements, proceed to buy it. Carefully read the policy documents before you sign anything. Once purchased, keep your insurance documents in a safe place and make it a point to review your policies annually to confirm they still meet your needs.

5

Our Methodology

We strive for precision and dependability in our insurance company ratings by employing a comprehensive methodology. This involves assessing numerous insurers, leveraging insights from respected review sites, and incorporating critical metrics from industry leaders such as A.M. Best and J.D. Power. Furthermore, my 15 years of experience as an insurance agent enhances our analysis, ensuring our ratings are reliable resources for your insurance decision-making.

61

Quotes Analyzed

37

Brands Reviewed

30+

Research Hours

15+

Years Of Experience

FAQs

How much can I save with bundled insurance?

You can often save 10% to 25% on each insurance policy by bundling. These savings can vary depending on your insurance provider, where you live, and the specifics of your policies.

Which insurance policies can I bundle together?

Home and auto insurance are commonly bundled together, offering comprehensive protection for both your property and vehicles. However, other insurers might combine policies such as renters, condo, boat, motorcycle, and life insurance.

Who offers the best insurance bundle policies?

As a leading name in insurance bundles, State Farm is praised for its high customer ratings and receives frequent industry accolades.

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