Expertise.com
2024

Last updated:

Best Homeowners Insurance Agencies in Des Moines

Our Recommended Top 11

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Des Moines Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

122

Reviewed

77

Curated

11

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

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

Why choose this provider?

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

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

Why choose this provider?

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.
4.2
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

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

Why choose this provider?

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

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

Why choose this provider?

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.
4.7
Google
4.6 / 5 (11)
Facebook
5.0 / 5 (9)
Yelp
4.0 / 5 (1)

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

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

Why choose this provider?

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)
Yelp
5.0 / 5 (4)

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

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

Why choose this provider?

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.
5.0
Google
5.0 / 5 (72)
Facebook
5.0 / 5 (29)
Yelp
5.0 / 5 (1)

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

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

Why choose this provider?

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

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

Why choose this provider?

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.
4.5
Google
4.5 / 5 (30)

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

Why choose this provider?

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.
4.8
Google
4.7 / 5 (15)
Facebook
5.0 / 5 (6)

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

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

Why choose this provider?

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.
4.6
Google
4.5 / 5 (74)
Facebook
5.0 / 5 (14)
Yelp
5.0 / 5 (1)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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)
Facebook
5.0 / 5 (4)

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

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 factors do insurance companies in Des Moines consider when determining homeowners' insurance rates?

    Most insurance companies in Des Moines depend on the average cost of homeowners' insurance based on the location and age of the property. They also consider the materials used to build the house. Individuals and families may obtain additional coverage if they have custom homes that cover construction sites. Insurance companies also check the home's replacement costs and whether the owners run a business out of their homes.

  • How much is homeowners' insurance in Des Moines?

    According to the National Association of Insurance Commissioners' report, the average premium cost of homeowners' insurance in Des Moines is $998 a year. However, it depends on several factors, like the age and value of your home, the risks in a specific area, and how much personal property individuals want to cover.

  • Is flooding damage covered by homeowners' insurance in Des Moines?

    No. Homeowners' insurance in Des Moines does not cover damages due to flooding, but families and individuals can acquire separate flood insurance from the National Flood Insurance Program. This type of insurance protects policyholders and their personal belongings. It covers the costs of fixing and replacing the policyholders' appliances, furniture, clothing, and HVAC systems.

  • What claims are not covered by personal liability coverage in Des Moines?

    In Des Moines, personal liability coverage does not cover your own injuries or damages or those you have caused to your family members. Your health insurance should take care of it. There is no coverage for intentional injuries or damage caused by you or your family members, business claims, or car accidents under personal liability coverage.

  • Why do individuals and families in Des Moines need homeowners' insurance?

    Individuals and families in Des Moines need homeowners' insurance to protect them from financial losses due to unforeseen events. If natural disasters destroy their homes, they can file a claim and receive compensation. In addition, if their possessions are stolen, they can receive reimbursement for the loss or repair costs. Furthermore, the majority of mortgage lenders require homeowners insurance for loan applicants.

  • 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.

Related Articles

FeaturedState Farm home insurance reviews

State Farm Home Insurance Review 2023

Expertise ranks State Farm as the fifth-best homeowners insurance based on its affordable coverage and customizable policies....

FeaturedHomeowners insurance featured image

7 Best Homeowners Insurance Companies of 2024

Expertise analyzed the top home insurance providers in the country and found that Amica is the best insurer overall.