Home Home insurance Average home insurance cost Iowa Des Moines, IA Average homeowners insurance cost in Des Moines, IA View Carriers Please enter valid zip Compare top carriers in your area Written by By Insure.com's EditorUpdated on: September 3, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 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: Size of your home Age of your home Amount of coverage you need Location Your credit score To make sure you are getting the best deal on home insurance, it is important to get quotes from multiple insurers to find the right coverage for your needs. Read this guide to know how much homeowners insurance cost per month in Des Moines, home insurance cost for different dwelling coverage, also know which companies offer cheap home insurance in Des Moines. In this guide, we will explain everything from what coverage options are available to which companies have the cheapest rates for homeowners insurance in Des Moines. Key takeawaysThe cost of your homeowners insurance policy in Des Moines can vary based on factors such as your location, the value of your home, and the coverage options you select. West Bend Mutual is the cheapest homeowners insurance company in Des Moines with an average annual premium of $1,478. If you increase your dwelling coverage from $200,000 to $300,000, you will pay $611 more, annually for home insurance. Average homeowners insurance cost in Des Moines per month According to our rate analysis, homeowners in Des Moines pay an average of $218 per month. It’s $2 less than the state average of $220 and $3 more than the national average for home insurance across the United States. In Des Moines, the cost of your homeowners insurance policy depends on the value of your home, location, and the coverage options you select. Average homeowners insurance cost for a $200,000 house in Des MoinesThe average cost of homeowners insurance in Des Moines, IA is $2,010 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The amount you pay for home insurance each year depends on many different things. The types of natural disasters or events that take place in your area affect how much you pay for coverage in your city. Some areas are more at risk for natural disasters, like flood, hurricanes, or tornadoes. This means that if something happens, the cost of rebuilding would be higher in those areas, thereby leading to higher insurance premiums. Your insurance policy might not cover damage caused by floods or hurricanes. So, if you live in a flood-prone area, consider buying flood insurance coverage. Average homeowners insurance cost for a $300,000 house in Des Moines According to a rate analysis by Insure.com, homeowners in Des Moines pay an average of $2,621 per year for a $300,000 house. These rates are for the coverage limits of $100,000 for liability protection and $1000 deductible. If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $611 more a year for home insurance. It would be best to buy enough insurance to cover the full cost of rebuilding your home. However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area. Average homeowners insurance cost in Des Moines by Company Among the carriers analyzed, West Bend Mutual is the cheapest homeowners insurance company in Des Moines. It’s average annual rate for Des Moines homeowners is $1,478. Auto-Owners ranks second and American Family makes it to the third spot with an average annual home insurance rate of $2,240. Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across Des Moines and prepared a list of the cheapest home insurance providers. You can find below the Des Moines home insurance companies and their average annual premium. Home Insurance Company Annual rate West Bend Mutual$1,478Auto-Owners$1,599American Family$2,240IMT Insurance$2,346State Farm$2,380Nationwide$2,430Allstate$2,467Iowa Farm bureau$3,272Farmers$3,322USAA*$2,783 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. How much is home insurance in other citiesCedar RapidsDavenport In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2024 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Renters insurance quotes: Compare rates Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? Mobile home insurance cost and coverage in 2024 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2024 How much flood insurance do I need? How to bundle home and auto insurance policies to save money The largest home insurance companies by market share Home insurance discounts for cheaper rates How much does dog liability insurance cost and do you need it? Do you have an emergency go-bag? Most Americans don’t 1/1 Related Articles Renters insurance calculator: How much renters insurance costs by state and city in 2024 By Shivani Gite Condo and co-op homeowners insurance: What you should know By Mark Vallet Cost of living calculator By Nupur Gambhir Homeowners insurance rates by state in 2024 By Jake Safane Homeowners insurance calculator: Estimate the cost of homeowners insurance By Jessica Olson Mobile home insurance cost and coverage in 2024 By Chris Kissell On this page Average homeowners insurance cost in Des Moines per month Average homeowners insurance cost for a $200,000 house in Des Moines Average homeowners insurance cost for a $300,000 house in Des MoinesAverage homeowners insurance cost in Des Moines by CompanyMethodology ZIP Code Please enter valid ZIP See rates