Average homeowners insurance cost in Des Moines, IA

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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:

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 takeaways

The 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 Moines

The 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	$1,478
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

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.