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Des Moines, IA Home Values & Insurance Rates

Des Moines, IA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 3,656 7.0% $139
$50,000 to $59,999 1,515 2.0% $292
$60,000 to $69,999 1,753 3.0% $359
$70,000 to $79,999 2,657 5.0% $418
$80,000 to $89,999 4,199 8.0% $472
$90,000 to $99,999 4,021 7.0% $532
$100,000 to $124,999 10,942 21.0% $611
$125,000 to $149,999 8,555 16.0% $764
$150,000 to $174,999 5,411 10.0% $911
$175,000 to $199,999 2,951 5.0% $1050
$200,000 to $249,999 2,649 5.0% $1263
$250,000 to $299,999 1,595 3.0% $1542
$300,000 to $399,999 990 1.0% $1961

Des Moines Renters Insurance as a Percentage of Rent

Des Moines Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 491 1.0% $337
$200 to $299 974 3.0% $787
$300 to $499 2,864 9.0% $1237
$500 to $749 12,282 41.0% $1912
$750 to $999 7,946 26.0% $2662
$1,000 to $1,499 4,581 15.0% $3787
$1,500 or more 470 1.0% $5437

Example Des Moines Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmAmica Mutual Insurance CompanyNationwide Insurance
Monthly Premium 5114296
Year Built 196119761988
Home Details 3 Beds, 1 Baths5 Beds, 3 Baths2 Beds, 1 Baths
Coverage Amount $150000-$175000$250000-$300000$150000-$175000
Deductible $5000 to $10,000 Deductible$500- $1000 Deductible$1000-$2500 Deductible

Top Home Insurance Agents Near Des Moines, IA

Home Insurance Company Near Des Moines, IA Homeowners Insurance Agency Near Des Moines, IA Address Distance from Des Moines, IA (miles)
Hometown Insurance Inc 317 State Street Guthrie Center, Guthrie Center, IA, 50115 46.7
Travelers Ab & J Insurance Services 101C WEST STATE ST, MARSHALLTOWN, IA, 50158 48.7
State Farm Chuck Freeman 5000 Ep True Pkwy Ste A, Wdm, IA, 50265-2965 8.4
State Farm John Adamson 3210 Hubbell Ave, Des Moines, IA, 50317-3750 4.5
Travelers Target Employees 12421 MEREDITH DR, URBANDALE, IA, 50398 10.5


Estimated Home Insurance By Street Area Near Des Moines, IA

Des Moines Area Estimated House Insurance
Depot St, 85th St, N Alice Ave, Pinehurst Cir, 94th Ln, Lyle Murphy Dr, Fairfax St, N 3rd St, SE 80th Ave, County Line Rd$704
Carter Trl, N 44th St, 105th Ln, Oakwood Dr, County Line Rd, S 8th St, NW 97th St, 98th Ave, Old Orchard Dr, 43rd Pl$713
61st Ln, 4th St, Crescent Dr, N 8th St, Villa Dr, Fulton St, Crestview Dr, Warren Ave, 53rd Ave, Greenlee Ave$708
Skyline Dr, Rinard Rd, Albany Trl, W Co Rd R57, Veterans Memorial Dr, 88th Ave, Railroad St, Co Rd G24, Patterson Dr, Pinehurst Dr$713
91st Ln, Co Rd R45, Clover Hill Dr, N Dawson Ave, Carter St, 33rd Ave, East St, Co Rd G14, N Greenlee Ave, W County Line Rd$714

Des Moines, IA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,600$3,600
Yearly Des Moines Homeowner Insurance Premium Example $1,200$800
Out of Pocket Expense During Claim$1,600$3,600
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $10,000$9,200
Net Savings to Des Moines Home Owner from High Deductible Plan $800

Des Moines, IA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Des Moines, IA Home Replacement Value MORE than Home Value Des Moines, IA Home Replacement Value LESS than Home Value
Replacement Value $231,500 $164,000
Insurance Premium based on Replacement Value $1,350 $950
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $46,500 Risk Exposure from Under Insuring Coverage is $21,000
Premium Impact Insurance cheaper by $125/year Insurance costlier by $275/year