Iowa HO8 Insurance

Iowa HO-8 Insurance policy is designed for older homes in Iowa. The Iowa HO8 insurance companies usually only cover the actual cash value of the home in the event of a claim. Leading homeowners insurance companies in Iowa are Prudential, Safeco, Farmers Insurance and Nationwide and they operate in cities such as Des Moines, Sioux City, Iowa City or Cedar Rapids.


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What Will HO8 Insurance Cover in Iowa?

A standard home insurance policy in Iowa whether you live in Des Moines, Cedar Rapids or Sioux City will cover most damages to your IA home and your personal belongings from perils such as explosion, lightning damage from falling objects, riots, theft, trucks or vehicles.

What is Iowa HO8 Insurance?

Useful on older buildings that may be of historic importance and has a lower market value than pure replacement cost.

What is the main difference between HO3 and HO8 Insurance?

HO3 insurance is the most common for of coverage in Iowa. HO8 is designed for older homes where you get cash value for the home after deducting any depreciation against the property.

What areas can qualify for HO8 Home Insurance in Iowa?

The policy will cover any home in the state Iowa such as:
  • Des Moines, IA
  • Cedar Rapids, IA
  • Sioux City, IA
  • Davenport, IA
  • Iowa City, IA
  • Waterloo, IA
  • Dubuque, IA
  • Ames, IA
  • West Des Moines, IA
  • Clinton, IA
  • Urbandale, IA
  • Council Bluffs, IA
  • Knoxville, IA
  • Shenandoah, IA
  • Windsor Heights, IA
  • Grinnell, IA
  • Fairfield, IA
  • Alden, IA
  • Clarion, IA
  • Edgewood, IA