Home Insurance

Protect your home and possessions from natural disasters, theft, and other events.

What Does Homeowners Insurance Cover?

Home insurance from Skogman Insurance typically includes protection for your dwelling, personal belongings, liability, and additional living expenses — but not all policies are created equal. As an independent agency, we compare options across multiple carriers to find the right fit for your home, budget, and risk profile.

Coverage typically includes:

  • Dwelling coverage — repairs or rebuilds your home if damaged by fire, wind, hail, or other covered events
  • Personal property — protects furniture, appliances, electronics, and clothing
  • Liability protection — covers you if someone is injured on your propert
  • Additional living expenses (ALE) — pays for temporary housing if your home becomes uninhabitable
  • Medical payments — covers minor injuries to guests regardless of fault
  • Flood add-ons — Iowa homeowners face unique flood risks; ask us about flood coverage options

Why Choose an Independent Insurance Agency in Iowa?

Unlike captive agents who represent one company, Skogman Insurance is an independent agency — which means we work for you, not the carrier. We shop your coverage across multiple top-rated insurance companies to make sure you're getting the best protection at the most competitive rate.


Since 1965, we've served Cedar Rapids, Iowa City, Coralville, and communities across Eastern Iowa. Our agents know this market — the weather risks, the home values, the neighborhoods — and we use that local knowledge to advocate for our clients.

Iowa-Specific Home Insurance Considerations

Iowa homeowners face weather risks that make the right coverage especially important. From derecho-force winds and baseball-sized hail to spring flooding and severe thunderstorms, the right policy needs to be built for where you actually live.

Our agents help Iowa homeowners evaluate:

  • Hail and wind coverage limits (Iowa ranked among top states for hail claims)
  • Flood insurance through NFIP or private carriers
  • Replacement cost vs. actual cash value — a distinction that matters significantly in a claim
  • Coverage for detached structures, like garages, sheds, or fencing
  • Home-based business riders if you work from home

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We’ll help you plan for the unexpected with insurance coverage that’s just right for you.

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Billy is responsive and communicates well with us! What he’s been able to accomplish from when we first came over is incredible

Customer since 2026

I had a new vehicle totaled due to baseball size hail everything was handled in a very efficient timely manner

Tracy H., customer since 2017

Jason Logsdon is efficient and quickly responds to any of my questions.

Cynthia D., customer since 2025

Very good customer service. Agents always stay in touch and check with me to make sure everything is the way I want it and to let me know if I may have missed something.

Customer since 2025

I appreciate the fast call back to get my issues resolved by Mike F.. He makes himself very available and is great to work with.

Customer since 2017

We have always received wonderful service and have recommended you several times. Bonus that we get a check each year for not making a claim.

Melissa W., customer since 2020

Mike is accessible. I'm able to talk with him directly. He's also personable and a good listener, and he takes my comments seriously. He's there when I need information or recommendations. He keeps me advised of changes, and I believe he truly wants to be helpful.

Customer since 1900

I have always had great service and help answering all of my insurance questions from Joan Tobin at Skogman Insurance. would recommend her and them to anyone. Kenneth Siders

Kenneth S., customer since 2019

You are always willing to work with me with my budget and my needs to find me the best fit. I'm very happy with Skogman's Insurance.

Customer since 2017

Responds very quickly to any questions or changes in our coverages. Offers suggestions on coverage but does not push it.

Customer since 2017

Lacy Allen is great to work with. We’ve already had her help us with a policy for our father in law and recommended to a friend as well!

Keith R., customer since 1900

We were in a pinch to purchase home insurance and Skogman was recommended. They were prompt and the cost was reasonable.

Laura P., customer since 2025

My Agent, Deb Abernathy, has been exceedingly professional and generous with her valuable time as far as explaining my Homeowners/Car insurance. She is the best.

Brian E., customer since 2024

I had the best experience with the whole team at Skogman! We moved from out of state and they made the entire process so easy! Highly recommend!

Stephen B., customer since 2025

Mike and Kim are always ready to answer any questions that we may have and go the extra mile in finding out any additional information that may be needed. They are also very prompt in their reply. An awesome team for Skogman Insurance!

Customer since 2017

Our Account Executive is thorough and responsive. We have worked with Skogman for about 35 years and they understand us and our insurance requirements.

Customer since 2016

Skogman Insurance has been a great partner for us. We value doing business with a local company that offers competitive rates and outstanding service. Lacy is always prompt, thorough, and consistently delivers excellent support.

James M., customer since 2024

The customer service and attention to detail was phenomenal. At the end of the day, the prices provided by Skogman coupled with their support were far superior to anyone else.

Customer since 2025

I had contacted 4 insurance providers and you and one other company are the only ones who got back to me and followed up. I appreciated the quick turn around and fast email responses.

Customer since 2025

Tony is responsive and helpful. He always works to get us the best coverage for the best price!

Ryan B., customer since 2024