Short-Term Rental Insurance in Iowa


Short-Term Rental Insurance in Iowa








Why you need short-term rental insurance in Iowa
The median home sales price in Iowa was $374,900 (2021), which is 16% higher than the previous year. Iowa is a reasonably landlord-friendly state that has laws benefiting both the landlord and tenant. From 1953 to 2019, Iowa declared 67 significant disasters. Iowa is prone to floods since it has level farmland. Hail and severe storms are not uncommon in Iowa, so it is important to get landlord insurance to cover your rental properties!
Who is short-term rental insurance for?
Short-term rental insurance protects your investments when they are rented as a vacation rental, AirBnB, VRBO, etc. Short-term rental insurance covers rental periods as short as one night. This insurance offers coverages for:
Short-Term rental insurance coverages in Iowa
Your insurance policy can cover a wide range of risks, or you can choose a limited set of coverages for a lower premium.

Fire
Because of modern safety codes, fires have become rarer, but the fires that do start tend to cause total destruction of the property.

Water
Broken pipes and appliance leaks are the most common and overall the most expensive property damage for rental properties.

Windstorm, hail, & lightning
Roof damage from storms has become increasingly common as the intensity and frequency of storms have increased over the last two decades.

Lawsuits
Liability protection covers the cost of defending you and settling claims from tenants and their guests for injuries sustained on your property.

Riot and civil commotion
When violent protests break out, riot coverage can pay to fix property damage caused by looters and protestors.

Vandalism & theft
Malicious mischief coverage, as it’s known, covers repairs to broken glass, graffiti removal, and replacement of stolen or damaged property like shared washing machines.

Injury
Injury protection can keep you from getting stuck with the cost of medical bills if a tenant or visitor gets injured on the property.

Bonus coverages
Many policies also include coverage for a long list of other perils such as riots or civil commotion, explosions, volcanic eruptions, and damage caused by vehicles.
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