Champion Specialty Insurance
7040 Northeast 14th Street, Suite 101, Ankeny, IA 50023
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7040 Northeast 14th Street, Suite 101, Ankeny, IA 50023
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702 SW 4th St, Ste 109, Ankeny, IA 50023
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1707 SW Abilene Rd, Ankeny, IA 50023
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Learn about insurance coverage options specific to Ankeny residents.
Ankeny home insurance costs jumped 19.5% in 2025. Learn about tornado coverage, new construction rates, and how to protect your rapidly appreciating home.
General Insurance EducationAnkeny insurance rates, coverage options, and local risks. Auto insurance averages $99/month. Learn about tornado, hail, and flood protection.
Car InsuranceAnkeny drivers pay $1,849-$1,912 for auto insurance. Learn Iowa's 20/40/15 requirements, why minimums aren't enough, and how to save on coverage.
No, tornado damage is covered under your standard homeowners insurance policy in Iowa. You don't need to purchase separate tornado coverage. However, check if your policy has a separate wind or hail deductible, which is often higher than your standard deductible and may be calculated as a percentage of your dwelling coverage rather than a flat dollar amount.
Home insurance in Ankeny typically costs between $2,055 and $2,654 per year for adequate coverage, though your actual rate depends on your home's value, age, features, and your chosen coverage levels. Iowa home insurance rates jumped 19.5% in 2025, pushing the statewide average from $3,201 to $3,825 annually due to severe weather losses. Shopping around can save you over $1,000 per year.
Yes, new construction homes often qualify for lower insurance rates initially because everything is new, built to current codes, and less likely to have claims. New homes also frequently include features like impact-resistant roofing and modern systems that earn additional discounts. However, you must ensure your dwelling coverage reflects the actual replacement cost, which can be higher than your purchase price.
Iowa insurers are currently losing 20 cents for every dollar they collect in premiums due to severe weather losses. The state experienced over a billion dollars in flood damage, the most active tornado season in 74 years, and repeated hailstorms and windstorms in 2024-2025. Insurance companies are raising rates to cover these massive claim payouts and remain financially stable.
Always insure for replacement cost, not market value. Market value includes your land and location, which you can't insure. Replacement cost is what it would actually cost to rebuild your home from the ground up at today's construction prices. In Ankeny's hot market, your home might be worth $400,000, but only cost $300,000 to rebuild—or vice versa if you have a newer, larger home.
Common discounts include bundling home and auto insurance (15-25% savings), newer roof discounts, security or smart home systems, claims-free history, being a non-smoker, and professional affiliations. If you're building new, impact-resistant roofing and modern construction can qualify you for additional savings. Always ask your insurance agent about every discount you might qualify for.
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