Average homeowners insurance cost in Des Moines, Iowa

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The average cost of homeowners insurance in Des Moines is $2,621 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), based on Insure.com’s rate data analysis. It’s $39 more than the national average of $2,582 .

However, homeowners insurance rates can vary drastically from one home to another. Home insurance rates in Des Moines depend on a number of factors, including:

The size of your home
The age of your home
The amount of coverage you need
Where you live
Your credit score

It’s crucial to compare quotes from multiple insurers to ensure you get the best homeowners insurance policy. This allows you to find the coverage that meets your specific needs.

Read our guide to discover the monthly homeowners insurance cost in Des Moines, explore the insurance costs for different dwelling coverage, and find out which companies offer affordable home insurance in Des Moines.

Key Takeaways

In Des Moines, homeowners insurance costs $2,621 annually.
West Bend Mutual offers the most affordable homeowners insurance in Des Moines with an average annual premium of $1,478 .
If you increase your dwelling coverage from $200,000 to $300,000, your annual home insurance premium will be $611 higher.

Average homeowners insurance cost per month

Residents of Des Moines pay an average of $218 per month for homeowners insurance. This is $2 less than the state average of $220 and $3 more than the national average for home insurance across the United States. The cost of your homeowners insurance policy in Des Moines can vary depending on your location, property value, and selected coverage options.

Average homeowners insurance cost for a $200,000 house

In Des Moines, homeowners pay an average of $2,010 annually for a $200,000 home. The annual cost of home insurance is influenced by factors such as the risk of natural disasters in your area.

Regions more susceptible to natural disasters, such as floods, hurricanes, or tornadoes, typically face higher rebuilding costs, leading to increased insurance premiums. Keep in mind that standard insurance policies might not cover damages caused by floods or hurricanes. If you live in a flood-prone area, you should purchase flood insurance.

Average homeowners insurance cost for a $300,000 house

Homeowners in Des Moines typically pay an average of $2,621 annually for a home insurance policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, your home insurance rates will rise by $611 . You should purchase enough insurance to cover the entire cost of rebuilding your home. The required amount of dwelling coverage can vary based on factors such as the size of your home, its features, and the cost of living in your area.

Average homeowners insurance cost in Des Moines by company

Among the carriers we analyzed, West Bend Mutual is the cheapest homeowners insurance company in Des Moines. Its average annual rate for Des Moines homeowners is $1,478 , while Auto-Owners ranks second.

Before picking a homeowners insurance policy, it’s a good idea to do a little homework on the company. To make it easier, our experts reviewed all the top insurers in Des Moines and put together a list of the most affordable options. Below, you’ll find the average annual premiums for each provider in the area.

Home Insurance Company	Annual rate
West Bend Mutual	$1,478
Auto-Owners	$1,599
American Family	$2,240
IMT Insurance	$2,346
State Farm	$2,380
Nationwide	$2,430
Allstate	$2,467
Iowa Farm bureau	$3,272
Farmers	$3,322
USAA*	$2,783

*USAA is only available to military community members and their families.

Bundling your home insurance with other policies, such as auto insurance, can result in substantial savings. Many insurers offer discounts to policyholders who combine multiple policies. It will help you lower your premiums and simplify policy management.

Natural disasters in Iowa that can impact your home insurance

Living in Iowa comes with the threat of natural disasters, which can cause significant damage to homes and property, often resulting in costly insurance claims. Understanding which natural disasters are most common in your area is essential when selecting a home insurance policy.

By knowing the specific risks in your region, you can make informed decisions about coverage limits, deductibles, and whether you need additional protection. That knowledge ensures you’re not left underinsured when disaster strikes and protects your financial well-being in the long run.

Iowa is commonly affected by Cold wave, Strong wind and Winter weather.

How home insurance protects you against natural disasters

If your home is hit by a covered event, your insurance can help pay for repairs, replace your belongings, and even cover temporary housing if you can’t live in your home. Having the right coverage in place can make it a lot easier to get back on your feet after a disaster.

That said, not everything is automatically included. While most standard policies cover things like wind, hail, and lightning, you’ll usually need extra coverage for disasters like floods, earthquakes, or wildfires. It’s worth taking the time to understand exactly what your policy includes so there are no surprises when you need it most.

Make sure your coverage is disaster-ready

The best time to review your homeowners insurance is before a storm hits. If you’ve made upgrades to your home or live in a disaster-prone area, you may need more coverage than you think. A quick policy check now can prevent big financial losses later.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Des Moines for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.

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Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.