Home insurance • Des Moines, Iowa • 2026
Home Insurance in Des Moines, IA: Coverage for Hail, River Flooding, and Older Homes
Des Moines sits where the Des Moines and Raccoon rivers meet, with older neighborhoods close to downtown. Hail, river flooding, and older homes shape what Des Moines homeowners need.
This guide covers what drives home insurance prices in Des Moines, the Iowa rules that apply, and how to compare quotes from several insurers on the same terms.
Blake Insurance Group is an independent agency based in Tucson that serves Des Moines homeowners by phone and online. We do not have an office in Des Moines, and we compare options from the insurers we are appointed with for your exact address.
Get Des Moines home insurance quotes
Tell us your Des Moines address, your home's age, square footage, and roof, and the coverage you want, and a licensed agent will follow up with options available to us. Submitting the form does not bind coverage.
If the form does not load, call 888-387-3687, Monday through Friday, 9:00 to 5:00 Arizona time, or email info@blakeinsurancegroup.com.
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Owning a home in Des Moines: what shapes your rate
Storms and rivers shape Des Moines coverage.
Hail
Large hail is one of the most common Iowa home claims. Ask whether your policy pays roof claims at replacement cost or actual cash value, and compare wind and hail deductibles.
Des Moines and Raccoon rivers flooding
Homes near the Des Moines and Raccoon rivers can flood. Flood is excluded from home policies, and flood policies usually have a 30-day waiting period.
Older homes
Older homes can cost more to rebuild to current code. Ordinance or law coverage helps pay for required upgrades.
Basement water
Many Iowa homes have basements. Sewer and drain backup is excluded unless you add the endorsement, and groundwater flooding needs a flood policy.
Coverage priorities for Des Moines homeowners
| Your situation | Coverage to review | Why it matters |
|---|---|---|
| Any Iowa homeowner | Compare wind and hail deductibles | A percentage deductible can mean thousands out of pocket. |
| Near a river or creek | Flood quote | Home policies exclude flood. |
| Finished basement | Sewer and drain backup endorsement | Excluded unless added. |
| Any homeowner | Dwelling at full rebuilding cost | Construction costs have risen. |
Examples only, not recommendations. Coverage availability and terms vary by insurer.
Iowa rules and market facts every Des Moines homeowner should know
- No state mandate, but your lender requires it. Iowa does not require homeowners insurance by law, but nearly every mortgage lender does.
- Wind and hail drive premiums. Iowa sees large hail, tornadoes, and derechos like the August 2020 storm that damaged much of Cedar Rapids. Many policies now carry a separate wind and hail deductible, sometimes a percentage of your dwelling limit, and some pay older roofs at actual cash value. Compare both, not just the premium.
- Non-renewal notice. Iowa law requires your insurer to mail or deliver written notice at least 30 days before the end of the policy term if it will not renew. Call us as soon as a notice arrives.
- The Iowa FAIR Plan. If regular insurers decline your home, the Iowa FAIR Plan Association may offer basic property coverage as a last resort. Applications go through a licensed agent like us.
- Flood is excluded. River flooding along the Mississippi, Missouri, Cedar, Iowa, and Des Moines rivers, and flash flooding, are not covered by home policies. See Iowa flood insurance.
How to compare Des Moines quotes apples to apples
A cheaper quote is only cheaper if the coverage matches. Line up each quote using the same limits and deductibles.
| Coverage | What to match |
|---|---|
| Dwelling (Coverage A) | Same rebuild amount, based on replacement cost, not market value |
| Other structures and personal property | Same limits, and replacement cost (not actual cash value) for belongings |
| Loss of use | Same limit for living expenses if you cannot stay in the home |
| Personal liability and medical payments | Same limits, such as $300,000 liability |
| Deductibles | Same all-peril deductible and the same wind and hail deductible, which in Iowa is increasingly a percentage of the dwelling limit |
| Roof settlement | Replacement cost or actual cash value for the roof, and any roof age schedule |
| Endorsements | Water backup, extended replacement cost, ordinance or law, and scheduled jewelry |
Des Moines areas and ZIP codes we quote
We quote throughout Des Moines, including Downtown, the East Village, Beaverdale, the South Side, and neighborhoods along I-235.
- 50309
- 50310
- 50311
- 50312
- 50313
- 50314
- 50315
- 50316
- 50317
- 50320
- 50321
Insurers price by the exact address, the roof's age and material, the home's age and updates, and the cost to rebuild, so have those details ready for an accurate quote.
Discounts worth asking about in Des Moines
- Impact-resistant roof credits where offered.
- Home and auto bundle, compared on the total of both policies.
- Protective devices, such as monitored alarms, sump pump alarms, and water leak sensors.
- The basics. Home and auto bundle, claims-free, new or impact-resistant roof, monitored alarm, smart water shutoff, new home, paid-in-full, and paperless discounts, where the insurer offers them.
Discount names, amounts, and availability vary by insurer.
Non-renewed, an older roof, or prior claims? You still have options. Some insurers and specialty markets write harder-to-place homes. Call 888-387-3687 and we will shop it for you.
Des Moines home insurance FAQs
Why does my roof matter so much?
Roofs take the brunt of hail and wind, and some insurers pay older roofs at actual cash value, which deducts depreciation. Ask how each quote settles roof claims.
Is a backed-up sewer or floor drain covered?
Not unless you add sewer and drain backup coverage. It is an inexpensive endorsement and worth having with a finished basement.
Does home insurance cover river flooding?
No. Flood is excluded from home policies. A separate flood policy covers it, usually after a 30-day waiting period.
Does Iowa require homeowners insurance?
No state law requires it, but nearly every mortgage lender does. Most owners keep coverage even after the mortgage is paid off.
How does a percentage wind and hail deductible work?
It is a percentage of your dwelling limit, not the damage. A 2% deductible on a $300,000 home means you pay the first $6,000 of a hail or wind claim.
My insurer non-renewed my Des Moines home. What are my options?
Iowa requires at least 30 days' notice. Compare other insurers through an independent agent right away. If no regular insurer will write the home, the Iowa FAIR Plan may offer basic coverage.
Nearby areas and related guides
Important information
Compensation. Links in the partner quote box near the top of this page are sponsored, and Blake Insurance Group may be paid if you make a purchase. Sponsored placement does not affect the other information on this page.
Independent agency. Blake Insurance Group LLC is an independent insurance agency. Licensed insurance producer NPN 16944666. Licensed states: AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, and WA. Which insurance companies we can quote depends on our current appointments, the product, and your state.
Availability. Coverage, prices, discounts, and eligibility vary by insurer, state, and applicant, and are subject to underwriting. The issued policy controls. This page is general information, not legal advice.
Service area. Blake Insurance Group is based in Tucson and serves Des Moines clients by phone and online. We do not claim a physical office in Des Moines.
Your next step
Request a quote, and a licensed agent will compare options available to us for your Des Moines address.
