Des Moines Insurance Rates:

Des Moines, IA homeowners insurance is about $565 to $764, about $47-$63/month. Our comprehensive research shows customers can save as much as $266 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Liberty Mutual
The deductible is the lowest that I have chosen but it was what best fit my budget.
State Farm
I would definitely recommend my insurance company because of their great customer service. They make me feel like they truly care that I'm getting the best service.
Country Financial
Overall my agent Dusty has been responsive to all my needs. I don't hear from him much but I don't need to, so I overall am happy with the service and give it a 4/5.
Nationwide
Farmers is an average insurance company for homeowners policies, but its many discounts make it a good option if you want the lowest premium possible.
Allstate
Their service has always been exceptional. Whether going to office or a quick call on the phone, they are always courteous and friendly and informative.
Farmer's Insurance
I think they are competitive. They offer fair premiums and the same discounts that others offer for theft devices and smoke alarms.
Travelers
I have had very little interactions with this company after the initial search for the cheapest insurance. They did email me about an online portal and I signed up for that. I did email them when I needed to update my last name.
Farmer's Insurance
Farmer's insurance turned out to be a very affordable option for the first home that i share with my husband and two children. we live in a state that has a pretty high cost of living, so being able to save on something like homeowner's insurance is a great thing.
State Farm
They raised our insurance after a big fire in my town. i did not claim anything because i was not hit by the fire but because the fire happened within ten miles of me they felt they had the right to jack up my rates.
Nationwide
I like that i have a wide range of coverage on my home and property. i can rest easy knowing my insurance company has me covered.
State Farm
The premium is either comparable or perhaps a bit higher than other insurance companies but state farm is a very reputable company.
Farmer's Insurance
I think our insurance company is one that I will continue to go to because of how well our agent treats us. That means a lot more to me than price.
Nationwide
I am treated with respect and professionalism anytime I’ve been in contact with my insurance company. I have no bad things to say about Nationwide.
Farm Bureau
I think the app is very easy to use, and it moves at a good pace and I like that it’s easy to find what you are looking for, without too much trouble.
State Farm
My agent is very friendly and did a great job of explaining my coverage options. The company is well known and reliable.
State Farm
What I like about my homeowner's insurance website is that it is user-friendly. It was simple and easy to learn to navigate. I am able to file a claim and adjust my setting all on the website so that is nice.
State Farm
THERE IS NOTHING DISLIKE ABOUT THE COMPANY
State Farm
I really enjoy my company because it is completely hands off for me and it is not something I really need to think about.
Integrity Insurance
I like in general that they are very attentive at the moment of presenting a problem in terms of service or complaints.
Liberty Mutual
The website can be improved and their technology is a bit behind the ball. It is difficult to find what exactly is covered under these policies.
Allstate
I would recommend because at the end of the year you get a check if you have no claims, it's 10% or something like that so it is decent if you group home and auto.
Farmer's Insurance
I would recommend as it is my understanding that the company was quick to respond after Hurricanes Matthew and Irma.
Geico
I would recommend for this company home insurance because it is very trustworthy and honest with the customer. In fact, customer can believe its words.
American Home Shield
Pretty much what I have been saying all along. They cover me without fighting me, they have great customer service, and they have a very rapid response time.
Lenox Mutual Insurance
I think that they are the very personable company. I am not sure how helpful they would be if I had to file a claim.
State Farm
I like the customer service. They are very nice and they take care of you no matter what. They always give me the best discount.

Des Moines, IA Homeowners Insurance By Home Value

Des Moines, IA Home Value Total Homes % of Total Average Des Moines, IA 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

Top Home Insurance Agents Near Des Moines, IA

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

Des Moines, IA Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Des Moines, IA

Streets in Des Moines Area Homeowners Insurance Cost
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 Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Des Moines$99 to $101
Lee$98
Bloomfield$99
Pleasant Hill$104

Des Moines, IA Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Lee township, Polk County, Iowa $82 $109 $164
Bloomfield township, Polk County, Iowa $83 $110 $165
Pleasant Hill city, Iowa $87 $115 $173

Des Moines, IA Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Des Moines, IA4.6%12.6%
Lee4.96%13.49%
Bloomfield4.55%12.5%
Pleasant Hill3.67%11.27%

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

Average Cost Of Home Insurance By Company In Areas Nearby Des Moines For Different Scenarios

Coverage ($) Premium ($) Company
1826250000Allied Property and Casualty Insurance Company
459150000Travelers Home and Marine Insurance Company
668100000USAA General Indemnity Company (GIC)
1194250000United Services Automobile Association (USAA)
913150000Allied Property and Casualty Insurance Company
10425000Allstate Prop & Cas Ins Co
54870000Farm Bureau Property & Casualty Insurance Company
67870000Nationwide Affinity Insurance Company of America
1410150000Shelter Mutual Insurance Company
363100000Travelers Home and Marine Insurance Company

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

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

Sample Home Insurance Rates for Des Moines, IA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1981 100,000 Asphalt Shingles Roof 1,420 3 $1000-$2500 Deductible 340 7 Stone Siding yes
1975 310,000 Shingles Roof 3,290 4 $500 Deductible 760 4 Vinyl siding No
1978 225,000 Slate Shingles Roof 2,570 4 $2500-$5000 Deductible 100 1 Fiber-Cement Siding No
1981 210,000 Composition Roof 2,370 4 $500- $1000 Deductible 100 1 Vinyl siding yes
1985 255,000 Slate Shingles Roof 3,270 4 $500- $1000 Deductible 620 5 Brick siding No
1977 175,000 Metal Roof 2,600 4 $500- $1000 Deductible 270 3 Fiber-Cement Siding No
1967 80,000 Tile Roof 1,140 2 $500- $1000 Deductible 210 5 Stone Siding No
1967 170,000 Shingles Roof 2,410 4 $2500-$5000 Deductible 820 10 Stucco siding No
1944 250,000 Tile Roof 2,720 5 $500- $1000 Deductible 700 5 Fiber-Cement Siding No
1942 110,000 Slate Shingles Roof 1,630 5 $500 Deductible 200 3 Wood siding yes
1970 140,000 Membrane Roof 1,560 3 $500- $1000 Deductible 550 6 Stucco siding yes
1972 70,000 Composition Roof 1,150 2 $1000-$2500 Deductible 340 10 Brick siding yes
1976 230,000 Slate Shingles Roof 3,350 4 $2500-$5000 Deductible 730 7 Brick siding yes
1982 365,000 Wood Shake Roof 4,490 5 > $10,000 Deductible 220 2 Stone Siding No
1943 190,000 Tile Roof 2,390 3 $500 Deductible 220 2 Brick siding No
1967 260,000 Slate Shingles Roof 3,360 5 > $10,000 Deductible 380 6 Vinyl siding yes
1964 215,000 Wood Shake Roof 3,260 4 $5000 to $10,000 Deductible 200 2 Brick siding yes
1963 125,000 Membrane Roof 1,900 3 $500- $1000 Deductible 490 7 Fiber-Cement Siding yes
1978 295,000 Composition Roof 3,220 5 $2500-$5000 Deductible 850 10 Wood siding yes
1962 85,000 Tile Roof 1,020 2 $2500-$5000 Deductible 180 6 Stone Siding No
1979 420,000 Metal Roof 4,530 5 $1000-$2500 Deductible 170 1 Brick siding yes
1947 205,000 Asphalt Shingles Roof 2,190 5 $5000 to $10,000 Deductible 130 2 Stucco siding No
1989 260,000 Membrane Roof 3,160 5 $1000-$2500 Deductible 670 6 Wood siding yes
1945 205,000 Tile Roof 2,280 3 $500- $1000 Deductible 1150 8 Stucco siding No
1945 165,000 Slate Shingles Roof 2,180 5 $2500-$5000 Deductible 60 1 Brick siding No
1961 165,000 Composition Roof 1,800 3 $500 Deductible 270 4 Brick siding No
1945 320,000 Shingles Roof 3,460 5 $5000 to $10,000 Deductible 960 9 Brick siding No
1941 140,000 Shingles Roof 1,650 2 $1000-$2500 Deductible 90 2 Wood siding yes
1960 200,000 Slate Shingles Roof 3,210 4 $2500-$5000 Deductible 760 7 Stone Siding No
1963 100,000 Composition Roof 1,208 3 $1000-$2500 Deductible 400 6 Stucco siding yes

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