Home insurance
Protect your home and possessions from natural disasters, theft, and other events.
Do you have the right coverage?
Contact us today to discuss your options.
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 property
- 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
How do I file a homeowners insurance claim?
In the event of a loss, contact your Skogman Insurance agent directly — we'll help you navigate the claims process with your carrier and advocate on your behalf. One of the key advantages of working with a local, independent agency is having a real person in your corner when something goes wrong.
How often should I review my homeowners insurance policy?
We recommend reviewing your policy at least once a year — or any time you make significant changes to your home (remodel, addition, new roof), acquire high-value items, or experience a major life change. Skogman Insurance proactively reaches out to clients to review coverage and make sure your policy still fits your needs.
What does homeowners insurance cover in Iowa?
Homeowners insurance in Iowa typically covers your home's structure, personal belongings, personal liability, and additional living expenses if you're displaced. Because Iowa is prone to severe hail, wind, and flooding, it's important to review whether your policy includes adequate coverage for those specific risks. At Skogman Insurance, we review your coverage needs and compare options across multiple carriers to make sure nothing gets missed.
How much does homeowners insurance cost in Iowa?
The cost of homeowners insurance in Iowa varies based on your home's age, location, construction type, coverage limits, and chosen carrier. Because Skogman Insurance is an independent agency, we can shop your coverage across multiple companies — which often results in better rates than going directly to a single carrier. The best way to get an accurate number is to request a free quote, which takes just a few minutes.
What is the difference between an independent insurance agency and a captive agent?
A captive agent represents one insurance company and can only offer that company's products. An independent agency like Skogman Insurance works with multiple carriers, which means we compare options and find the best combination of coverage and price for you — rather than fitting you into one company's product line.
Does homeowners insurance cover hail damage in Iowa?
Most standard homeowners insurance policies do cover hail damage to your roof, siding, and other structures — but coverage limits, deductibles, and exclusions vary by carrier and policy. Iowa regularly ranks among the top states for hail claims, so it's worth reviewing your policy carefully. Our agents can help you understand exactly what your current policy covers and whether any gaps exist.
Is flood insurance included in my homeowners policy?
No — standard homeowners insurance does not cover flooding. Flood insurance must be purchased separately, either through the federal National Flood Insurance Program (NFIP) or through a private carrier. Given Iowa's history of significant flood events, this is a coverage gap worth discussing with your agent. Skogman Insurance can help you explore both options.
Can I get homeowners insurance if I'm buying a new home in Cedar Rapids or Iowa City?
Yes — and ideally you should start that conversation before closing. Lenders typically require proof of homeowners insurance before finalizing a mortgage. Skogman Insurance works with homebuyers throughout Cedar Rapids, Iowa City, Coralville, and the surrounding area to get coverage in place quickly. We can often turn around a quote same-day.
What carriers does Skogman Insurance work with for home insurance?
As an independent agency, Skogman Insurance has relationships with multiple top-rated insurance carriers. This allows us to compare coverage and pricing across companies rather than being limited to one option. Visit our [Carriers page] to see who we work with.
Why should I choose a local insurance agency instead of an online insurer?
Local agencies offer something online-only insurers can't: a real relationship with someone who knows your community. At Skogman Insurance, you work with a dedicated agent who understands Iowa weather risks, local home values, and the specific concerns of Eastern Iowa homeowners. We're also here when you have a claim — not just when you're buying a policy.
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We’ll help you plan for the unexpected with insurance coverage that’s just right for you.