Des Moines, IA Home Insurance - Analysis On Quotes, Rates & Agents

Des Moines, IA Insurance Rates:

vHome Insurance undertook a detailed analysis of the cost of insurance in different cities of the country. This analysis helped in narrowing down the list of the top home insurance providers in Des Moines, IA. The average cost of insurance in Des Moines, IA is $784. The following analysis stresses the importance of comparing multiple quotes. Enter your Zip Code in the banner below to get instant home insurance quotes.

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Average Home Insurance Premium in Des Moines, IA

National Average Premium State Average Premium Des Moines Average Premium
$1,438 $829 $784

Top Home Insurance Companies in Des Moines, IA | Back to Top

The following is a list of home insurance companies that provide the best home insurance quotes in Des Moines, IA.

Company Name Coverage $70,000 Coverage $150,000 Coverage $200,000 Coverage $350,000
Shelter $734 $880 $1,145 $1,580
Imt $1,188 $1,426 $1,853 $2,558
Aaa $1,450 $1,740 $2,262 $3,122
Liberty Mutual $852 $1,022 $1,328 $1,833

Des Moines, IA Homeowners Insurance for Different Coverages | Back to Top

Coverage Type Home Insurance Cost($)
$100,000 To $124,999 713.66
$150,000 To $174,999 924.1
$175,000 To $199,999 1,066.64
$200,000 To $249,999 1,196.81
$250,000 To $299,999 1,962.56
$300,000 To $399,999 2,531.21
$400,000 To $499,999 3,111
$500,000 To $749,999 3,982.09
$750,000 To $999,999 4,604.29
$1000,000 To $1499,999 5,070.94
$1500,000 To $2000,000 5,444.26

Visual Guide for Des Moines, IA Home Insurance Buyers on Insurance Companies and Rates

Top Home Insurance Agents Near Des Moines, IA | Back to Top

Home Insurance Company Near Des Moines, IA Homeowners Insurance Agency Near Des Moines, IA Address
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

List of Des Moines, IA Home Insurance Agents by Companies

Des Moines, IA Homeowners Insurance Rates Based on Claims Filed | Back to Top

A discount of $94.08 on the home insurance premium is offered to Des Moines, IA homeowners who have no previous history of claims filed, Des Moines, IA homeowners with one claim have to file an additional home insurance rate of $55, while Des Moines, IA homeowners with 2 claims have to pay $94 more for their home insurance premium.

Type of Claim Homeowners Insurance Cost Increase/Decrease($) Homeowners Insurance Cost($)
No Claim Discount -94 690
One Claim +55 839
Two Claim +94 878

Des Moines, IA Homeowners Insurance by Zip Code | Back to Top

Zip Code Median Home Value($) Home Insurance Cost($)
50316 90,300 794
50314 88,600 753
50321 190,800 760
50312 158,700 741
50320 146,600 795
50310 137,400 729
50309 128,300 745
50315 110,500 741
50313 101,400 737

Factors Affecting Home Insurance Premiums in Des Moines, IA

Des Moines, IA homeowners pay an average home insurance premium of $784. Homeowners in Des Moines, IA can lower their home insurance premiums by considering various factors. vHomeInsurance lists the factors that could help homeowners reduce their home insurance premiums.

Des Moines, IA Home Insurance Premium Based on the Number of Bedrooms | Back to Top

Bedroom Size Average Homeowners Insurance Cost($)
2 Bedroom 715
3 Bedroom 766
4 Bedroom 1,175
5 Bedroom 1,737

Des Moines, IA Home Insurance Premiums for Different Deductibles | Back to Top

Des Moines, IA Homeowners with a deductible of $500 pay a higher amount for home insurance, while Des Moines, IA homeowners who pay a deductible of $2500 pay a lower amount on their home insurance, as seen in the table below.

Deductible Type Average Homeowners Insurance Cost($)
$500 Deductible 775
$1000 Deductible 701
$1500 Deductible 660
$2000 Deductible 599
$2500 Deductible 563

Des Moines, IA Homeowners Insurance Premium Based on the Age of the Home | Back to Top

Homeowners in Des Moines, IA pay a much lower home insurance rate if their homes are newly constructed. Homeowners with homes that are older than 50 years pay a much higher rate on their home insurance premium as seen in the table below.

Home Age Homeowners Insurance Cost($)
Newly Constructed Home 580
Year 30 Old 796
Year 40 Old 804
Year 50 Old 814
Above Year 50 822

Des Moines, IA Homeowners Insurance Cost Based on the Construction Type of the Home | Back to Top

Construction Type Home Insurance Cost Savings($) Home Insurance Cost($)
Fire Resistive 86 698
Masonry 39 745
Brick 39 745
Superior 71 713
Hail Resistant Roof 24 760

Top Saving Tips on Des Moines, IA Homeowners Insurance | Back to Top

Des Moines, IA Homeowners can earn discounts on homeowners insurance based on the construction type of their home. Homes that are built using damage-resistant materials are considered a safe bet for home insurance companies. Des Moines, IA Homeowners can also choose to bundle their home and auto insurance policies to further reduce their home insurance premium. Apart from this, senior citizens also receive substantial discounts from home insurance companies. Homes equipped with home security devices are less prone to burglaries. As a result, Des Moines, IA homeowners receive attractive discounts from home insurance companies.

The tables below contain the complete list of discounts that Des Moines, IA homeowners can take advantage of to increase their savings.

Des Moines, IA Auto & Homeowners Insurance Bundling Discounts and Senior Citizen Discounts

Discount Type Home Insurance Cost Savings($) Home Insurance Cost($)
Bundle Discount 118 666
Retiree Discount (Senior Citizen Discount) 110 894
Newly Constructed Home 204 580

Des Moines, IA Home Insurance Discounts for Home Safety Devices | Back to Top

Home Safety Devices Home Insurance Cost Savings($) Home Insurance Cost($)
Deadbolts 86 698
Fire Extinguishers 78 706
Smoke Detectors 63 721
Sprinkler System 63 721
Fire Alarm 39 745
Burglar Alarm 71 713
Lightning Protection 24 760

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.
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.
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.
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.
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.
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
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.
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.
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.