Iowa Earthquake Insurance. Be Ready Before It Hits.
From Des Moines to Cedar Rapids, Davenport homes to rural Iowa farms and country properties — Brawner Insurance helps Iowa homeowners add earthquake coverage that standard home policies completely exclude.
Why Iowa Homeowners Need Earthquake Coverage
While Iowa is farther from the New Madrid zone's core, a major seismic event would still be felt across the state — potentially causing damage to older and unreinforced structures. Many IA homeowners are surprised to learn standard home policies completely exclude earthquake damage.
As an independent agency, Brawner compares earthquake policies from multiple carriers to find Iowa families the right combination of price, deductible, and coverage. Earthquake insurance is often more affordable than people expect — especially compared to the cost of rebuilding without it.
Whether your Iowa home is brand new or built decades ago, we help you understand your seismic risk and put the right coverage in place — before the ground moves.
Get an Earthquake Quote →Iowa families deserve real protection.
Brawner Insurance shops multiple carriers so Iowa homeowners get the right earthquake coverage at the right price.
Get a Free Quote →660-665-1687 · 660-754-1000
Earthquake Coverage Through Brawner
A solid earthquake policy covers your home's structure, your belongings, and your living expenses. Here's what we help Iowa families put in place.
Dwelling Coverage
Covers the cost to repair or rebuild your home's structure — walls, roof, foundation, and attached structures — damaged by an earthquake or aftershock.
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Personal Property
Covers furniture, electronics, appliances, and belongings damaged when earthquake shaking causes items to fall, break, or be destroyed inside your home.
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Loss of Use
If your home is uninhabitable after an earthquake, this pays for temporary housing, meals, and living expenses while your home is being repaired.
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Deductible Options
Earthquake policies use percentage-based deductibles — typically 5–20% of your home's insured value. We explain the options and help you choose the right level.
Learn More →Masonry & Chimney
Brick, masonry, and chimneys are especially vulnerable to seismic shaking. We make sure your policy addresses these high-risk structural elements specifically.
Learn More →Build your earthquake policy.
We assess your home's structure, age, and seismic risk to find the right coverage at the right price.
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