How Can I Make My Des Moines, IA Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in Des Moines, IA by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
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Estimate Appropriate Des Moines, IA Home Insurance Coverage Levels | Back to Top
| Des Moines, IA - Neighbourhoods, Census Blocks & Streets | 2 Bedroom | 3 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Crestview Rd, S 2nd St, Candlewick Dr, Railroad St, N 44th St, 105th Ln, Villa Dr, 10th Ave, Hardin Dr, Warren Ave | $154,500 | $140,000 | $150,000-$175,000 | $262,000 | $210,000 | $200,000-$250,000 |
| Pinehurst Dr, 85th St, E County Line Rd, County Line Rd, Oakwood Dr, Highland Pl, Skyline Dr, Lakewood Pointe Dr, Lyle Murphy Dr, Fillmore Trl | $88,000 | $80,000 | $50,000-$75,000 | $170,000 | $140,000 | $150,000-$175,000 |
| Park St, Albany Trl, 123rd Ln, Marlou Pkwy, S 8th St, N Dawson Ave, 43rd Ave, Co Rd R45, County Line Rd, Terrace Dr | $115,500 | $90,000 | $100,000-$125,000 | $187,000 | $160,000 | $150,000-$175,000 |
| 33rd Ave, 127th Ln, 91st Ln, Crescent Dr, Crestview Dr, W Co Rd R57, Carter Trl, 4th St, NW 27th St, Greenlee Ave | $171,500 | $140,000 | $125,000-$150,000 | $304,500 | $260,000 | $300,000-$350,000 |
| N 60th St, Clover Hill Dr, Adams St, Patterson Dr, Depot St, East St, Carter St, Sunridge Dr, N Alice Ave, SE 80th Ave | $183,000 | $150,000 | $200,000-$250,000 | $203,000 | $160,000 | $200,000-$250,000 |
Estimate your Savings with Home Insurance Discounts in Des Moines, IA | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$144 | $616 |
| Superior Protection Discount | -$68 | $692 |
| Fire & Security Discount | -$84 | $677 |
| Hail Resistant Roof Discount | -$15 | $745 |
| Newly Constructed Home Discount | -$213 | $548 |
Choose the Right Deductible for your Des Moines, IA Home | Back to Top
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Warren County | $2,000 | $873 | $2,873 | $634 | $2,634 | $238 |
| Des Moines, IA | $1,500 | $751 | $2,251 | $546 | $2,046 | $205 |
| Bloomfield, IA | $400 | $742 | $1,142 | $539 | $939 | $203 |
| Pleasant Hill, IA | $1,000 | $796 | $1,796 | $578 | $1,578 | $218 |
| Stuart, IA | $400 | $664 | $1,064 | $482 | $882 | $181 |
| Lucas County, IA | $700 | $584 | $1,284 | $425 | $1,125 | $160 |
| Howard, IA | $300 | $929 | $1,229 | $675 | $975 | $254 |
| Murray, IA | $1,500 | $494 | $1,994 | $359 | $1,859 | $135 |
| Lafayette, IA | $500 | $886 | $1,386 | $644 | $1,144 | $242 |
| Pilot Mound, IA | $400 | $787 | $1,187 | $572 | $972 | $215 |
| Humeston, IA | $2,000 | $493 | $2,493 | $358 | $2,358 | $135 |
Identify Top Home Insurance Agents near Des Moines, IA | Back to Top
| Home Insurance Company Des Moines, IA | Homeowners Insurance Agency Des Moines, IA | Address | Popularity Score | Distance from Des Moines (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Absolute Insurance Agency Llc | 7400 University Ave Ste A, Clive, IA, 50325 | 6.0 | |
| State Farm | Ben Buenzow | 3273 100th St, Urbandale, IA, 50322-3845 | 8.3 | |
| Travelers | Advantage Insurance | 8421 University Blvd Ste G, Clive, IA, 50325 | 6.8 | |
| State Farm | Terry Taylor | 4115 University Ave Ste 100, Des Moines, IA, 50311-3574 | 3.8 | |
| State Farm | Tim Forbes | 325 8th Street Se, Altoona, IA, 50009 | 9.2 | |
| Allstate | Betty Bebout | 3636 Westown Pkwy Ste 101, West Des Moines, IA, 50266 | 7.6 | |
| State Farm | Julie Helps | 8818 Swanson Blvd., Clive, IA, 50325 | 7.0 | |
| State Farm | Todd R Adamson | 3210 Hubbell Ave, Des Moines, IA, 50317-3750 | 4.6 | |
| Liberty Mutual Independent | Reynolds & Reynolds Inc | 300 Walnut St Ste 200, Des Moines, IA, 50309 | 1.1 | |
| Farmers | Michael Schultz | 302 W 2nd Ave, Indianola, IA, 50125 | 15.0 |
Compare Rates for Des Moines, IA Home Insurance Providers | Back to Top
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Iowa | $137,200 | $829 | $600 | $1,140 | $540 |
| Warren County, IA | $171,400 | $883 | $630 | $1,260 | $630 |
| Des Moines, IA | $123,300 | $760 | $560 | $1,070 | $510 |
| Bloomfield, IA | $120,200 | $751 | $550 | $1,040 | $490 |
| Pleasant Hill, IA | $189,200 | $806 | $560 | $1,110 | $550 |
| Stuart, IA | $93,200 | $672 | $490 | $920 | $430 |
| Lucas County, IA | $84,900 | $591 | $400 | $830 | $430 |
| Howard, IA | $180,500 | $940 | $690 | $1,330 | $640 |
| Murray, IA | $57,200 | $500 | $350 | $710 | $360 |
| Lafayette, IA | $162,100 | $897 | $610 | $1,260 | $650 |
| Pilot Mound, IA | $127,100 | $797 | $550 | $1,100 | $550 |
| Humeston, IA | $57,000 | $499 | $360 | $690 | $330 |
Research Home Insurance Companies Reviews in Des Moines, IA Before Buying | Back to Top
Share a review on your home insurance company
Lenox Mutual Insurance Home Insurance Reviews
Date: September 17, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Date: September 13, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: September 12, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Date: September 04, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Date: August 31, 2018 Age: Above 60 Gender: Female Marital Status: Married
Date: August 25, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Date: August 16, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Date: August 14, 2018 Age: 40 to 49 Gender: Male Marital Status: Unmarried
Date: August 08, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Date: July 30, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Date: January 01, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Date: January 01, 2018 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Date: November 18, 2017 Age: 30 to 39 Gender: Male Marital Status: Married
Date: November 18, 2017 Age: 20 to 29 Gender: Male Marital Status: Married
Progressive Home Insurance Reviews
Date: July 09, 2019 Age: 40 to 49 Gender: Married Marital Status: Male
Date: March 30, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Date: September 16, 2018 Age: 50 to 59 Gender: Male Marital Status: Unmarried
Date: September 04, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: September 01, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Date: August 30, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Date: August 23, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Date: August 06, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: August 03, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Date: May 15, 2018 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Date: March 11, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Date: November 28, 2017 Age: Above 60 Gender: Male Marital Status: Unmarried
GEICO Home Insurance Reviews
Date: February 04, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Date: September 20, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: September 18, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Date: September 13, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Date: September 01, 2018 Age: 50 to 59 Gender: Male Marital Status: Married
Date: March 07, 2018 Age: Above 60 Gender: Male Marital Status: Married
State Farm Home Insurance Reviews
Date: January 13, 2020 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Date: October 09, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Date: December 29, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Farm Bureau Home Insurance Reviews
Date: August 19, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Date: December 10, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
American Family Insurance Home Insurance Reviews
Date: September 09, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Date: May 28, 2019 Age: 20 to 29 Gender: Married Marital Status: Male
American Integrity Insurance Home Insurance Reviews
Date: November 09, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
American Home Shield Home Insurance Reviews
Date: January 02, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Allstate Home Insurance Reviews
Date: November 30, 2018 Age: 30 to 39 Gender: Male Marital Status: Married