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Best Homeowners Insurance Agencies in Des Moines

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Absolute Insurance Agency, LLC logo
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Absolute Insurance Agency, LLC

7400 University Avenue, Clive, IA 50325
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  • Multiple Policy Types

Business Description

Absolute Insurance Agency, LLC, is a full-service insurance company that serves the Des Moines metro area. The firm provides insurance solutions for homes, apartments, and condominiums. Its agents create customized policies that cover personal property losses due to natural disasters, vandalism, or theft. The policy also includes personal liability and medical coverage in case a guest gets injured in the client's home. Other offerings include vehicle insurance, life and health policies, personal umbrella, and business insurance. The company is a member of the Dallas Mutual Insurance Association.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (168)
Facebook
4.6 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Brad Van Meter - State Farm Insurance Agent logo
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Brad Van Meter - State Farm Insurance Agent

4229 Fleur Dr, Des Moines, IA 50321
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

Brad Van Meter - State Farm Insurance Agent has 20 years of professional experience. He provides homeowners' insurance for individuals and families in Des Moines. His goal is to assist people in managing everyday life risks and also to recover from unexpected and unfortunate events. Brad helps his clients protect their largest investment, their home. Having an insured home safeguards the property from damages or theft. Brad is a member of the South Des Moines Chamber of Commerce. He also offers auto, property, business, life, and health insruances.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.5 / 5 (30)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Davis Insurance Agency logo
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Davis Insurance Agency

2815 Beaver Avenue, Des Moines, IA 50310
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  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Condos

Business Description

Davis Insurance Agency is an independent insurance firm in Des Moines that offers insurance solutions to clients in the metro. The company helps clients protect their homes through their insurance packages covering homeowners liability, renters insurance, condo insurance, mobile home insurance, and in-home business insurance. These packages protect homeowners from unexpected threats of natural damage, weather damage, and theft. Davis Insurance has over 50 years of experience in the industry and is committed to providing personalized solutions to each client.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.6 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Iowa Insurance Store logo
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Iowa Insurance Store

8450 Hickman Road, Clive, IA 50325
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  • Renter's Insurance
  • Multiple Carriers
  • Condos

Business Description

Iowa Insurance Store is an independent insurance agency serving clients in Des Moines. It values integrity and honesty in finding the most suitable insurance coverage for specific needs in the home, automobile, motorcycle, boat, business, or term life insurance. Instant Decision Term Life Insurance is available in three different terms: Decreasing Term, Annual Renewable, and Term, which are designed to fit particular scenarios. As a member of Trusted Choice, the agency is prompt in responding to emergencies with 24/7 contact centers.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (36)
Facebook
5.0 / 5 (23)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Joseph Yamen - Shelter Insurance Agent logo
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Joseph Yamen - Shelter Insurance Agent

1248 8th St, Ste 200, Des Moines, IA 50265
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

Shelter Insurance is an insurance agency in Des Moines offering homeowners insurance solutions in the metro. Insurance agent Joseph Yamen guides clients in choosing the best coverage for the protection of their homes, properties, and themselves in the case of liability issues. He helps clients distinguish between common dwelling insurance and home insurance, which offers wider coverage than the former. Home insurance policies at Shelter insurance also cover restoration and replacement costs in the unfortunate event of a loss or damage.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
4.2 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Ligouri Insurance logo
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Ligouri Insurance

4320 1/2 SW 9th St, Des Moines, IA 50315
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  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers

Business Description

Based in Iowa, Ligouri Insurance is an independent insurance agency catering to clients in Des Moines and its surrounding areas. It offers personalized homeowners' insurance plans for all types of homeowners looking to secure their residential properties. Clients may request quick quotations from the agency and expert insurance agents will assist them in constructing the homeowners' insurance policy that best suits their property protection needs and requirements. It also offers auto, business, motorcycle, and commercial insurances. Ligouri Insurance carriers include MetLife, CNA, Progressive, and Pekin Insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.5 / 5 (74)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Mauro Insurance logo
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Mauro Insurance

4314 SW 9th St, Des Moines, IA 50315-3961
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  • Multiple Policy Types

Business Description

Mauro Insurance is a local independent insurance agency that has been serving Des Moines and nearby areas for more than 50 years. The firm assists homeowners in choosing the right home insurance option that best addresses their needs. The company represents agencies like Allied/Nationwide, The Hartford, Travelers, and Progressive. Other product offerings include auto insurance, boat and motorcycle insurance, life and health policies, as well as commercial insurance. Its agents are also experienced in SR 22 filings and liquor liability.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.7 / 5 (15)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Midwest Insurance Solutions logo
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Midwest Insurance Solutions

815 Office Park Rd STE 4, West Des Moines, IA 50265
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  • Condos
  • Multiple Policy Types
  • Renter's Insurance
  • Multiple Carriers
  • Flood

Business Description

Midwest Insurance Solutions is an insurance agency in Des Moines that offers personal and commercial insurance coverage to clients in the metro. The company has a team of homeowners insurance experts that guides clients in choosing the best policy for protecting their property from natural damage, theft, vandalism, explosions, and more. The company's packages cover personal properties, liabilities and medical payments, and temporary relocations. The agency also provides coverage for vehicles and farms, as well as protection from flood damage.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (5)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Montgomery-St John Insurance Agency logo
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Montgomery-St John Insurance Agency

4214 Fleur Dr 8, Des Moines, IA 50321
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  • Renter's Insurance
  • Flood
  • Condos

Business Description

Montgomery-St John Insurance Agency offers a wide range of insurance products for Des Moines residents. Included in its line of services is home insurance. The agency provides a number of home insurance policies such as property insurance, condominium insurance, renters' insurance, mobile home insurance, landlords' insurance, and homeowners' liability. Property insurance policies may cover damage caused by lightning, fire, smoke, hail, windstorms, and volcanic eruptions. Montgomery-St John Insurance Agency has been in service for more than two decades.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
The Insurance Specialists, Inc logo
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The Insurance Specialists, Inc

514 East Euclid Avenue, Des Moines, IA 50313
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  • Multiple Policy Types

Business Description

The Insurance Specialists, Inc., offers various insurance coverage types in Des Moines. Established in 1991, this company helps homeowners search for appropriate insurance products through its partnership with multiple insurance providers. Its insurance professionals strive to understand clients' insurance needs and educate homeowners about applicable coverage options. They also aid in ensuring adequate financial protection under policy terms, covering natural disasters and random acts. These risks include losses from vandalism, theft, and liability claims due to non-resident injuries.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.5 / 5 (108)
Facebook
5.0 / 5 (20)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Tim Ford - State Farm Insurance Agent logo
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Tim Ford - State Farm Insurance Agent

2217 Beaver Ave, Des Moines, IA 50310
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  • Multiple Policy Types

Business Description

Tim Ford - State Farm Insurance Agent provides insurance services from its Des Moines location. Ford assists clients with various insurance needs, including homeowners insurance. The agent offers home insurance policies that protect homeowners' personal belongings, including furniture, appliances, electronics, clothing, tools, and lawn decorations. Aside from home insurance, he offers pet insurance, life insurance, health insurance, and auto insurance. Ford has been working in the insurance industry since 1996, and his office is proudly pet-friendly.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
5.0 / 5 (72)
Facebook
5.0 / 5 (29)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Tony Weisshaar - State Farm Insurance Agent logo
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Tony Weisshaar - State Farm Insurance Agent

1201 Army Post Rd, Des Moines, IA 50315
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

Tony Weisshaar - State Farm Insurance Agent is a local agency whose office is located in Des Moines. The firm's agent, Tony Weisshaar, provides home insurance plans to safeguard the financial losses of families and individuals. The company's homeowners' insurance policy covers different types of threats from nature, random acts, and other covered causes. It also protects valuable items like silverware and goldware, firearms, rugs and tapestries, banknotes, coins, and equipment. Other products are business insurance, life insurance, and long-term and short-term health insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.4 / 5 (25)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

Frequently Asked Questions

Introduction

Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.

What determines the price of homeowners insurance premium?

The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

What is the difference between home warranty and homeowners insurance?

Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

Does Geico offer homeowners insurance?

Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

How long does homeowners warranty insurance last?

Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

Does homeowners insurance cover water heaters?

Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

Are RVs covered under homeowners insurance?

Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

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