Absolute Insurance Agency, LLC
7400 University Ave, Ste A, Clive, IA 50325
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7400 University Ave, Ste A, Clive, IA 50325
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1054 73rd St, Clive, IA 50324
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8450 Hickman Rd, Ste E, Clive, IA 50325
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Learn about insurance coverage options specific to Clive residents.
Clive home insurance averages $3,825/year in 2025. Learn about tornado coverage in Polk County, wind/hail deductibles, and how to protect your home.
Car InsuranceLearn about Iowa's 20/40/15 minimum coverage, at-fault system, and how Clive's I-35/I-80 location affects your rates. Get the coverage you actually need.
Yes, standard homeowners insurance policies in Iowa typically cover tornado and windstorm damage. However, many policies have a separate wind and hail deductible that can be significantly higher than your regular deductible—sometimes 1-5% of your home's insured value rather than a flat $500 or $1,000. Always ask your agent specifically about wind/hail deductibles before buying a policy.
Iowa homeowners are currently paying an average of $3,825 annually for home insurance as of late 2025, up from $3,201 in 2024. Your actual cost in Clive will depend on your home's value (median is around $563,673), your deductible, coverage limits, and discounts you qualify for. Homes near the Greenbelt Trail in established neighborhoods may have different rates based on construction quality and age.
Standard home insurance policies do not cover flooding from any source—not heavy rain, not backed-up storm drains, nothing. While Clive isn't in a high-risk flood zone, Iowa's severe weather patterns mean flooding is a real possibility. A separate flood insurance policy through the National Flood Insurance Program or a private insurer is worth considering, especially given the increased frequency of extreme weather events.
Polk County is listed among Iowa's 10 counties with the highest tornado risk. Iowa broke its tornado record in 2024 with 122 documented tornadoes, and the state averages around 50 twisters per year. Both Polk and Dallas counties (which Clive straddles) have experienced confirmed tornadoes in recent years, including EF-0 and EF-2 tornadoes in 2024 that caused property damage in the area.
Bundle your home and auto insurance for 15-25% discounts, install a monitored security system, upgrade aging roofs or electrical systems, and raise your deductible if you have adequate emergency savings. Shopping around every 2-3 years can also uncover better rates. However, don't reduce your dwelling coverage just to save money—with Clive's average home value over $500,000, underinsuring creates serious financial risk.
Yes, absolutely. Significant improvements like finishing a basement, adding a deck, or renovating your kitchen increase your home's value and replacement cost. If you don't update your policy to reflect these changes, you could be underinsured if you need to file a claim. Your insurer needs to know about major upgrades to ensure your dwelling coverage is adequate to rebuild your home completely.
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