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2024

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Best Renter's Insurance Companies in Des Moines, IA

Our Recommended Top 7

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 Renter's Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

78Reviewed

49Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

640 South 50th Street, West Des Moines, IA 50265
WebsiteLicense: 245936

Expertise.com Rating

Review Sources

Google
5.0 (41)
Facebook
5.0 (2)

Why choose this provider?

McCartan Insurance Group, Inc., provides renters' insurance products for individuals and families in Des Moines and nearby areas. The agency helps its clients get insurance coverage for their valuable belongings to protect them from theft, damage, disasters, and accidents in the rental place. It also offers other insurance products, including auto, home, life, and business insurance plans. The agency was established in 2005 by Joel McCartan and became a three-time awardee of the National Life Council & Top Life Producer Award.

  • Multiple Policy Types

514 East Euclid Avenue, Des Moines, IA 50313
WebsiteLicense: 6842757

Expertise.com Rating

Review Sources

Google
4.0 (106)

Why choose this provider?

The Insurance Specialists Inc. is a locally owned insurance agency in Des Moines that creates customized policies that fit the needs of clients. It offers renters' insurance to cover personal belongings, liabilities, and loss of use. Homeowners' and condo insurance policies are also available. Other personal risk management policies cover automobiles and motorcycles. The company specializes in SR-22 insurance, which helps protect clients who commit driving offenses. Business and commercial products, such as workers' compensation and general liability, are also offered.

  • Multiple Policy Types

509 5th Street, West Des Moines, IA 50265
WebsiteLicense: 6853894

Expertise.com Rating

Review Sources

Google
4.0 (7)
Facebook
5.0 (4)

Why choose this provider?

Des Moines-based company Valley Junction Insurance Service operates with over 50 years of collective experience. It provides umbrella policies for renters' insurance, homeowners' insurance, condominium insurance, fire asset insurance, and jewelry insurance. It responds to clients' requests for insurance policies covering individual health, group health, long-term care, and disability. Its life insurance policies cover term life, simplified issue life, universal life, and mortgage protection. It delivers auto insurance policies that secure high-risk drivers, cars, motorcycles, boats, and motor homes.

  • Multiple Policy Types

3512 Ingersoll Avenue, Des Moines, IA 50312

Expertise.com Rating

Review Sources

Google
4.0 (35)
Yelp
5.0 (1)

Why choose this provider?

Insurance Networking Systems in Des Moines offers a diverse portfolio of insurance products to meet a multitude of insurance needs. It offers renters' insurance plans for clients looking for legal responsibility coverage for property damage or injuries. For more than 22 years, this independent agency has been helping individuals, families, and small businesses through its partnership with numerous insurance carriers. Insurance Networking Systems is a member of Trusted Choice and one of its independent insurance agents.

  • Multiple Carriers

4320 1/2 Southwest 9th Street, Des Moines, IA 50315
WebsiteLicense: 6866017

Expertise.com Rating

Review Sources

Google
4.0 (92)
Facebook
5.0 (12)
Yelp
5.0 (1)

Why choose this provider?

Ligouri Insurance is an insurance company founded by Gennaro Ligouri, a licensed agent with more than 35 years of experience. The company offers auto insurance, motorcycle insurance, renters' insurance, homeowners' insurance, business insurance, and commercial insurance in Des Moines. It helps clients get an insurance package for both personal and commercial lines without compromising their budgets. Its team of insurance agents has a combined 76 years of experience. Its previous clients were happy with its knowledgeable and helpful staff.

  • Multiple Policy Types

501 North Avenue, Norwalk, IA 50211
WebsiteLicense: 17617828

Expertise.com Rating

Review Sources

Google
4.0 (72)
Facebook
5.0 (6)
Yelp
5.0 (1)

Why choose this provider?

Sam Sorenson is a State Farm insurance agent providing insurance and financial solutions to clients in Des Moines and its surrounding area. Sam offers a range of product options such as renters' insurance, home insurance, auto insurance, and property insurance. He also has coverage for business, life, and health. His other available services include annuities, banking, and mutual funds. Sam and his team work with clients to craft customized solutions to protect their assets.

  • Multiple Policy Types

1100 Grand Avenue, West Des Moines, IA 50265
WebsiteLicense: 17596896

Expertise.com Rating

Review Sources

Google
4.0 (9)
Facebook
5.0 (1)

Why choose this provider?

Scott Insurance Services is a full-service agency offering renters' insurance plans in Des Moines and the surrounding areas since 1996. It is a family-owned and locally operated business staffed with insurance professionals that bring together 125 years of industry experience. These agents are trained to give clients guidance on finding coverage that best fits their needs. They source these policies from notable regional and national insurance carriers such as Liberty Mutual, Nationwide, Progressive, and Selective.

  • Multiple Policy Types

Compare our Top Renter's Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
McCartan Insurance Group, Inc
640 South 50th Street, West Des Moines, IA 50265
The Insurance Specialists Inc
514 East Euclid Avenue, Des Moines, IA 50313
Valley Junction Insurance Service
509 5th Street, West Des Moines, IA 50265
Insurance Networking Systems
3512 Ingersoll Avenue, Des Moines, IA 50312
Ligouri Insurance
4320 1/2 Southwest 9th Street, Des Moines, IA 50315
Sam Sorenson
501 North Avenue, Norwalk, IA 50211
Scott Insurance Services
1100 Grand Avenue, West Des Moines, IA 50265

FAQs

  • What is covered under your Des Moines renter's insurance policy's loss of use clause?

    If you have major property damage and have to vacate your rental, your insurance provider may temporarily pay for your living expenses under the loss of use clause of your renter's insurance coverage in Des Moines. Your carrier may pay for your transportation, food, and other expenses. In addition, regardless of responsibility, your renter's insurance company might potentially pay for accidents suffered by visitors or tenants at your rental property.

  • Does the price of your Des Moines renter's insurance depend on your past claims history?

    Yes. In comparison to those who have never filed an insurance claim, renters who have made multiple claims within the last three to five years will pay higher rates. Aside from claims history, the cost of your renter's insurance in Des Moines might vary depending on a number of factors, including your eligibility for discounts, the coverage and deductible amounts you select, and the area where you live.

  • Are you allowed to add your roommate to your renter's insurance plan in Des Moines?

    Yes. However, unless your roommate is a spouse or related to you, it is not advisable to include them on your renter's insurance policy in Des Moines. This is because the entire list of dependents on the insurance will receive a portion of the coverage amount. That means if your policy pays up to $20,000 for damage, you and your roommate would only get up to $10,000 each.

  • When will mold damage not be covered by your Des Moines renter's insurance policy?

    If the mold developed due to negligence, like a leaky shower head that led to water damage and eventually mold growth, your Des Moines renter's insurance coverage will not cover the mold damage. Rain-related mold development that results from partially open apartment windows is also not covered.

  • Are pests such as bed bugs covered by Des Moines renter's insurance?

    Bed bugs and other pests, including rats, termites, and cockroaches, are usually not covered by renter's insurance in Des Moines. Take immediate action to reduce expensive damage and possible health hazards if you have pests in your home. Contact your landlord so they can send an exterminator in before things get out of hand.

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