From Des Moines neighborhoods to Cedar Rapids family homes, Davenport riverfront to rural farmhouses — Brawner Insurance helps Iowa homeowners compare 50+ carriers to find the right home coverage for their property and budget.
Iowa sees its share of tornadoes, derechos, severe thunderstorms, hail, and spring flooding — and any of those can cause major damage to your home. Standard policies don't always include the right coverage limits for Iowa risks.
Iowa homeowners face a unique mix of risks — derechos with hurricane-force straight-line winds, spring river flooding, and brutal winter ice. Standard policies often don't include flood, so we add it where needed. As an independent agency, Brawner compares 50+ carriers to find Iowa homeowners the right combination of price and protection.

Whether you own a starter home, family house, or vacation property in Iowa, we shop multiple carriers to build the right policy for your situation.
Compare Home Plans →Brawner Insurance shops multiple carriers so you get the right coverage at the right price — no guesswork.
Get a Free Quote →660-665-1687 · 660-754-1000
A solid home policy has several layers. Here's what we help Iowa homeowners put in place.

Covers the physical structure of your home — walls, roof, floors, and built-in appliances — against fire, wind, hail, and other covered perils.
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Protects your furniture, electronics, clothing, and personal belongings — whether the loss happens at home or away from it.
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Covers legal and medical costs if someone is injured on your property or you accidentally damage someone else's property.
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Pays for hotel, meals, and temporary housing costs if your home becomes uninhabitable after a covered loss.
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Standard policies exclude floods and earthquakes. We help you add the right supplemental coverage for your region and risk level.
Learn More →We review your home's value, location, and risk factors to build the right plan.
Talk to an Agent →The two most common home insurance forms work very differently when it comes to protecting your belongings.
Best for: most homeowners who want solid coverage at the best price.
Best for: higher-value homes or homeowners who want the broadest protection available.
Not sure which form fits your home and belongings? We will compare both and explain the real-world difference in claims.
Compare My Home Options →We will review your home value, contents, and priorities to recommend the right policy form.
Get a Free Home Review →660-665-1687 · 660-754-1000
Home values and risks change. Here are the key moments to review.
Home purchase is the moment to get coverage right from day one. We review lender requirements, replacement cost, and liability limits.
Additions, kitchen or bath remodels, and structural upgrades all change your home value. Update dwelling limits to match.
Marriage, divorce, new baby, or a child moving out can all affect coverage needs and discounts.
Replacement costs rise every year. An annual review makes sure your dwelling limit keeps pace with rebuilding costs.
Planning Tip: Review your policy every 12 months — carriers change rates annually and a fresh comparison often saves real money.
We learn about your needs, current coverage, and priorities so we can recommend the right home policy.
We shop your home across top carriers to find competitive pricing and the right fit.
We walk through coverages, limits, and exclusions in plain language — no jargon.
We handle the binding, paperwork, and stay available year-round for claims and questions.
Practical guidance to help you make confident insurance decisions.
Learn why constantly switching providers can create risks and what to consider instead.
Watch on YouTube →Real conversations about coverage, risks, and solutions for clients across the Midwest.
Watch on YouTube →Looking for guidance specific to your needs?
Schedule a Consultation →We start by understanding your situation, needs, and budget so we can recommend the right home policy for you.
We compare home policies from multiple top carriers, explaining coverages and costs in plain English.
Once you choose a policy, we handle the paperwork and make sure everything is in force.
Brawner Insurance is here all year for claims, billing questions, and annual reviews — you have a real advocate.
See why homeowners across the Midwest trust Brawner Insurance.
"If you are shopping for peace of mind with insurance contact Caitlin Howe at Brawner. Not to mention correctly written policies, surprisingly good rates and excellent customer service."
"Caitlin Howe at Brawner Insurance was very helpful, and made sure everything was done perfectly. She made the process stress and worry free. Best insurance agent hands down I have worked with."
"Brawner recently quoted our district insurance. Jacob was professional and easy to work with. The Board of Directors chose VFIS through Brawner for the best and cost efficient coverage."
Home insurance typically covers your dwelling, other structures, personal property, liability, and additional living expenses. Brawner Insurance helps you understand the specifics of each coverage and set appropriate limits.
You need enough dwelling coverage to rebuild your home at current construction costs — not the market value. Brawner Insurance uses replacement cost calculators to set the right limit.
No — standard home policies exclude flood and earthquake damage. You need separate policies or endorsements for these perils. Brawner Insurance helps you add the right coverage.
Common savings come from bundling home and auto, raising deductibles, improving wind and hail resistance, and updating older systems. Brawner Insurance shops multiple carriers to find your best rate.
HO-3 covers your dwelling on open perils but belongings on named perils. HO-5 covers both on open perils, giving you broader protection on your stuff. Brawner Insurance helps you decide which fits.
Yes — as an independent insurance agency, Brawner Insurance shops your home insurance coverage across multiple top carriers to find the right protection at a competitive rate. We work with clients across Missouri, Iowa, Kansas, and Illinois.
Brawner Insurance helps homeowners across the Midwest find the right home insurance — HO-3, HO-5, and everything in between — with unbiased advice from independent agents.
Get a Free Quote →660-665-1687 · 660-754-1000
As an independent agency, we offer the full range of insurance solutions for families, farms, and businesses — all under one roof.
Cars, trucks, and SUVs — coverage that fits your driving life.
Learn MoreProtect your house, belongings, and personal liability with the right policy.
Learn MoreExtra liability protection above your home and auto policy limits.
Learn MoreProtect your family financial future with term and whole life policies.
Learn MoreProtect farm buildings, equipment, and livestock with comprehensive coverage.
Learn MoreBOP, cyber liability, workers comp & commercial auto for businesses.
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