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

Farmer's
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.

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

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
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