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The average cost of homeowners insurance in Des Moines is $2,369 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), based on’s rate data analysis. It’s almost same as the national average of $2,417.

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.

Average homeowners insurance cost in Des Moines per month

Des Moines homeowners pay an average of $197 a month, based on our rate analysis. It’s $2 less than the state average of $199 and almost same as the national average for home insurance across the United States. The price of your homeowners insurance policy in Des Moines may vary depending on where you live, the value of your home, and the coverage you choose.

How much is homeowners insurance for a $200,000 house in Des Moines

The average cost of homeowners insurance in Des Moines, IA is $1,822 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.

How much is homeowners insurance for a $300,000 house in Des Moines

According to a rate analysis by, homeowners in Des Moines pay an average of $2,369 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 $547 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.

How much is homeowners insurance in Des Moines by Company

Among the carriers analyzed, West Bend Mutual is the cheapest homeowners insurance company in Des Moines. Its average annual rate for Des Moines homeowners is $1,111. Auto-Owners ranks second and IMT Insurance makes it to the third spot with an average annual home insurance rate of $1,689.

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 top ten cheapest home insurance providers. You can find below the Des Moines home insurance companies and their average annual premium.

Home Insurance CompanyAnnual rate
West Bend Mutual$1,111
IMT Insurance$1,689
American Family$1,806
State Farm$2,578
Iowa Farm bureau$3,111

Methodology, with the help of Quadrant Information Services, gathered data for home insurance rates in Birmingham, Alabama, for $300,000 dwelling coverage and $100,000 liability coverage with a $1000 deductible for around 35,000 ZIP codes. The data presented are those with a good credit tier alignment.

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