On this page
Property and casualty rate, rule and form filings in Iowa are reviewed by the Iowa Insurance Division. This page summarizes how filing works there from public sources: where to search filings that are already public, and the statutes, regulations and department guidance that set the rules, grouped by line of business. Every entry links to the official source.
At a glance
| Regulator | Iowa Insurance Division |
|---|---|
| Filing system | SERFF (department source) |
| Public filings | Public inspection of rate filings (how to search) |
| Lines summarized | Homeowners, Personal auto, Property and dwelling fire, Commercial auto, Workers' compensation, General and other liability, Commercial multi-peril, Medical professional liability, Inland marine, Homeowners and auto combination, Product liability, Aircraft, Surety, Fidelity, Burglary and theft, Boiler and machinery, Mortgage guaranty, Financial guaranty, Title |
| Last reviewed |
Key filing rules
Selected statutes, regulations and guidance on how rates and forms are filed and reviewed in Iowa, each linked to the official text.
- Iowa Code 515F.7 - Information to be furnished insureds; hearings and appealsStatute
- Iowa Code 515F.24 applied to personal automobile — use and file on its own ordersPersonal auto · Statute
- Iowa Code 515A.6(7) - Hearing procedure for a rating organization rate filingWorkers' compensation · Statute
- Iowa Code 515F.5 — what is filed, when the clock starts, the 30-day waiting period and consent to rateCommercial multi-peril · Statute
- Iowa Code 515F.20 to 515F.25 - Rate filings in competitive marketsStatute
- Iowa Code 515F.4 - Rate standardsStatute
How to search Iowa's public rate and form filings
- Iowa law (Code section 515F.5) says a casualty insurance rate filing made with the Insurance Commissioner, and its supporting information, are open to public inspection once the filing becomes effective. Source
- For workers' compensation rates, Iowa Code chapter 515A opens a filing and its supporting information to public inspection once the filing is deemed complete. Source
Start from the department's page: Iowa Insurance Division.
Checked
Rules for every line
Statutes, regulations and guidance that apply across property and casualty lines.
- Iowa Code 515.102 - Forms of policies and endorsements; approvalStatute
- Iowa Code 515.103 - Use of credit information in personal insuranceStatute
- Iowa Code 515.125, 515.126, 515.129A, 515.129B, 515.129C - Cancellation and nonrenewalStatute
- Iowa Code 515F.20 to 515F.25 - Rate filings in competitive marketsStatute
- Iowa Code 515F.4 - Rate standardsStatute
- Iowa Code 515F.5 - Rate filings on the noncompetitive trackStatute
- Iowa Code 515F.7 - Information to be furnished insureds; hearings and appealsStatute
- Iowa Code chapter 515J - Private primary residential flood insuranceStatute
Last reviewed
Homeowners
Iowa sources for homeowners filings (SERFF type of insurance 04.0 Homeowners).
- Iowa Code 515.126, 515.129B, 515.129C, 515.132 - Homeowners termination provisionsStatute
- Iowa Code 515.51 - Policies; execution; requirementsStatute
- Iowa Code 515F.30 to 515F.39 - Fair Access to Insurance Requirements PlanStatute
- Iowa Code 679A.1 - Validity of arbitration provisionsStatute
- Iowa Code chapter 515J - Private primary residential flood insuranceStatute
- Iowa Homeowners Review Standards ChecklistDepartment guidance
Last reviewed
Personal auto
Iowa sources for personal auto filings (SERFF type of insurance 19.0 Personal Auto).
- Iowa Code 515F.24 applied to personal automobile — use and file on its own ordersStatute
- Iowa Code 516A.1 — Uninsured, underinsured and hit-and-run motorist coverage and its rejectionStatute
- Iowa Code 516B.3 — Minor traffic violations not considered in establishing ratesStatute
- Iowa Code chapter 321A — Motor vehicle financial responsibility minimumsStatute
- Iowa Code chapter 515D — The Iowa Automobile Insurance Cancellation Control ActStatute
- Iowa Admin. Code 191—15.10 and 191—15.45 — Two prescribed automobile noticesRegulation
Last reviewed
Property and dwelling fire
Iowa sources for property and dwelling fire filings (SERFF type of insurance 01.0 Property).
- Iowa Code 515.104 — Coinsurance or contribution clauseStatute
- Iowa Code 515.109 and 515.110 — The Iowa standard fire policyStatute
- Iowa Code 515.127, 515.128, 515.128A and 515.132 — Commercial lines termination and material changeStatute
- Iowa Code 515.139 — Demolition reserve on fire and casualty claims on propertyStatute
- Iowa Code 515F.30 to 515F.39 and 191 IAC 20.41 to 20.45 — The Iowa FAIR Plan and what it requires of a property writerStatute
- Iowa Code 515F.4 — The fire experience rule inside the rate standardStatute
Last reviewed
Commercial auto
Iowa sources for commercial auto filings (SERFF type of insurance 20.0 Commercial Auto).
- Iowa Admin. Code 191 ch. 20 - Property and casualty insurance rate and form filingsDepartment guidance
- Iowa Code chapter 515F - Casualty insurance (regulation of rates)Department guidance
- Iowa Dwelling Fire Review Standards ChecklistDepartment guidance
Last reviewed
Workers' compensation
Iowa sources for workers' compensation filings (SERFF type of insurance 16.0 Workers Compensation).
- Iowa Code 515A.15, 515A.15A and 515A.15B - Assigned risks and deductible policiesStatute
- Iowa Code 515A.6(7) - Hearing procedure for a rating organization rate filingStatute
- Iowa Code 515A.7 - Uniform rating plans, deviations and dividendsStatute
- Iowa Code 515F.3(2)(d) - Workers' compensation excluded from chapter 515FStatute
- Iowa Code chapter 515A - Workers' compensation liability insurance ratesStatute
- Iowa Admin. Code 191 ch. 20 as it applies to workers' compensationRegulation
Last reviewed
General and other liability
Iowa sources for general and other liability filings (SERFF type of insurance 17.0 Other Liability).
- Iowa Admin. Code 191 ch. 20 - Property and casualty insurance rate and form filingsDepartment guidance
- Iowa Code chapter 515 - Insurance other than lifeDepartment guidance
- Iowa Code chapter 515F - Casualty insurance (regulation of rates)Department guidance
Last reviewed
Commercial multi-peril
Iowa sources for commercial multi-peril filings (SERFF type of insurance 05.0 Commercial Multi-Peril).
- Iowa Code 515.109 — the standard fire policy and the two routes a package may takeStatute
- Iowa Code 515.127, 515.128, 515.128A and 515.132 — commercial lines cancellation, nonrenewal and material changeStatute
- Iowa Code 515F.2 and 515F.3 — a package is inside the rate chapter, and Iowa classifies by personal against commercial riskStatute
- Iowa Code 515F.21 to 515F.24 — why commercial multi-peril runs on the noncompetitive defaultStatute
- Iowa Code 515F.5 — what is filed, when the clock starts, the 30-day waiting period and consent to rateStatute
- Iowa Code 515F.8 to 515F.12 — advisory organization licensing, the loss adjustment expense rule and the ban on mandated adherenceStatute
Last reviewed
Medical professional liability
Iowa sources for medical professional liability filings (SERFF type of insurance 11.0 Med Mal).
- Iowa Admin. Code 191 ch. 20 - Property and casualty insurance rate and form filingsDepartment guidance
- Iowa Code chapter 515 - Insurance other than lifeDepartment guidance
- Iowa Code chapter 515F - Casualty insurance (regulation of rates)Department guidance
Last reviewed
Inland marine
Iowa sources for inland marine filings (SERFF type of insurance 09.0 Inland Marine).
- Iowa Code 515.102 - policy form approvalStatute
- Iowa Code 515F.24 - competitive market filingsStatute
- Iowa Code 515F.5 - rate filingsStatute
- Iowa Admin. Code 191 chapter 20Regulation
- Iowa Commercial Inland Marine Review Standards ChecklistDepartment guidance
- Iowa Personal Inland Marine Review Standards ChecklistDepartment guidance
Last reviewed
Homeowners and auto combination
Iowa sources for homeowners and auto combination filings (SERFF type of insurance 30.0 Homeowner/Auto).
- Iowa Admin. Code 191 ch. 20 - Property and casualty insurance rate and form filingsDepartment guidance
- Iowa Code chapter 515 - Insurance other than lifeDepartment guidance
- Iowa Code chapter 515F - Casualty insurance (regulation of rates)Department guidance
- Iowa Dwelling Fire Review Standards ChecklistDepartment guidance
- Iowa Homeowners Review Standards ChecklistDepartment guidance
Last reviewed
Product liability
Iowa sources for product liability filings (SERFF type of insurance 18.0 Product Liability).
- Iowa Admin. Code 191 ch. 20 - Property and casualty insurance rate and form filingsDepartment guidance
- Iowa Code chapter 515 - Insurance other than lifeDepartment guidance
- Iowa Code chapter 515F - Casualty insurance (regulation of rates)Department guidance
Last reviewed
Aircraft
Iowa sources for aircraft filings (SERFF type of insurance 22.0 Aircraft).
- Iowa Admin. Code 191 ch. 20 - Property and casualty insurance rate and form filingsDepartment guidance
- Iowa Code chapter 515 - Insurance other than lifeDepartment guidance
- Iowa Code chapter 515F - Casualty insurance (regulation of rates)Department guidance
Last reviewed
Surety
Iowa sources for surety filings (SERFF type of insurance 24.0 Surety).
- Iowa Code chapter 515 - Insurance other than lifeStatute
- Iowa Code section 515.102 - Forms of policies and endorsementsStatute
- Iowa Admin. Code 191 ch. 20 - Property and casualty insurance rate and form filingsRegulation
- Iowa Code chapter 515F - Casualty insurance (regulation of rates)Regulation
Last reviewed
Fidelity
Iowa sources for fidelity filings (SERFF type of insurance 23.0 Fidelity).
- Iowa Code chapter 515 - Insurance other than lifeStatute
- Iowa Code section 515.102 - Forms of policies and endorsementsStatute
- Iowa Admin. Code 191 ch. 20 - Property and casualty insurance rate and form filingsRegulation
- Iowa Code chapter 515F - Casualty insurance (regulation of rates)Regulation
Last reviewed
Burglary and theft
Iowa sources for burglary and theft filings (SERFF type of insurance 26.0 Burglary and Theft).
- Iowa Code chapter 515 - Insurance other than lifeStatute
- Iowa Code section 515.102 - Forms of policies and endorsementsStatute
- Iowa Admin. Code 191 ch. 20 - Property and casualty insurance rate and form filingsRegulation
- Iowa Code chapter 515F - Casualty insurance (regulation of rates)Regulation
Last reviewed
Boiler and machinery
Iowa sources for boiler and machinery filings (SERFF type of insurance 27.0 Boiler & Machinery).
- Iowa Admin. Code 191 ch. 20 - Property and casualty insurance rate and form filingsDepartment guidance
- Iowa Code chapter 515 - Insurance other than lifeDepartment guidance
- Iowa Code chapter 515F - Casualty insurance (regulation of rates)Department guidance
Last reviewed
Mortgage guaranty
Iowa sources for mortgage guaranty filings (SERFF type of insurance 06.0 Mortgage Guaranty).
- Iowa Admin. Code 191 ch. 20 - Property and casualty insurance rate and form filingsDepartment guidance
- Iowa Code chapter 515 - Insurance other than lifeDepartment guidance
- Iowa Code chapter 515F - Casualty insurance (regulation of rates)Department guidance
Last reviewed
Financial guaranty
Iowa sources for financial guaranty filings (SERFF type of insurance 10.0 Financial Guaranty).
- Iowa Admin. Code 191 ch. 20 - Property and casualty insurance rate and form filingsDepartment guidance
- Iowa Code chapter 515 - Insurance other than lifeDepartment guidance
- Iowa Code chapter 515F - Casualty insurance (regulation of rates)Department guidance
Last reviewed
Title
Iowa sources for title filings (SERFF type of insurance 34.0 Title).
- Iowa Code chapter 515F - Casualty insurance (regulation of rates)Department guidance
- Iowa Dwelling Fire Review Standards ChecklistDepartment guidance
- Iowa Homeowners Review Standards ChecklistDepartment guidance
Last reviewed
Not legal advice. This is a summary of public sources, last reviewed September 18, 2026. Requirements change and differ by line and filing: verify them with the Iowa Insurance Division before you file. All states