Iowa ho-6 insurance

Iowa HO6 Insurance

Iowa HO6 policy is designed for condo owners in the state of Iowa. The Iowa HO6 condominium insurance that standard insurance companies such as Safeco, Farmers and Nationwide in cities such as Des Moines, Cedar Rapids, Ames or Waterloo, will cover losses to any of your personal items and any structure you own. This policy also covers damages to any fixtures that have been upgraded since the home was purchased. Due to the recent housing crisis, many lenders and mortgage companies in the Cedar Rapids and Sioux City regions are requiring proof of insurance for condos.


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What Does HO6 Insurance Cover in Iowa?

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

What is One Benefit of Having Iowa Condo Insurance?

Cover personal property within the condo.

Buying Iowa Condo Insurance

Master Policy - Living in Iowa as part of an association, the association should have a master insurance policy to see what they cover so that you don't pay for coverage that is already covered.

Deductibles - This is the out of pocket amount that you will need to pay for each claim before the insurance policy kicks in. Additionally, there will be a deductible in the master policy in the event that there is an insurance claim under the master policy. Each member of the condo association will need to contribute their portion if there is some sort of disaster.

HO6 Condo Insurance Required in Most Areas Throughout Iowa

Due to the housing crisis, mortgage companies are requiring HO6 insurance policies for any new condo purchases in the state of Iowa.

Where is HO6 Condo Insurance in Iowa?

The state of Iowa now requires condo insurance everywhere you live:
  • Des Moines, IA
  • Cedar Rapids, IA
  • Davenport, IA
  • Sioux City, IA
  • Iowa City, IA
  • Waterloo, IA
  • Ames, IA
  • Dubuque, IA
  • Clinton, IA
  • West Des Moines, IA
  • Council Bluffs, IA
  • Knoxville, IA
  • Shenandoah, IA
  • Urbandale, IA
  • Windsor Heights, IA
  • Alden, IA
  • Amana, IA
  • Ankeny, IA
  • Blanchard, IA
  • Bloomfield, IA
  • Boone, IA
  • Cantril, IA
  • Cedar Falls, IA
  • Charles City, IA
  • Clarion, IA