The top-rated landlord insurance agent in Des Moines, Iowa is The Insurance Specialists Inc, rated 4.8 stars across 284 reviews. Other highly rated options include Ligouri Insurance, Boersma Insurance Services, Insurance Networking Systems. This directory lists 13 landlord insurance agents serving Des Moines.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | The Insurance Specialists Inc | 514 E Euclid Ave | (515) 280-1207 |
| 2 | Ligouri Insurance | 4320 1/2 SW 9th St | (515) 285-0370 |
| 3 | Boersma Insurance Services | 100 Court Ave #310/450 | (515) 327-7033 |
| 4 | Insurance Networking Systems | 3512 Ingersoll Ave | (515) 243-1223 |
| 5 | Budget Insurance | 3111 Douglas Ave | (515) 277-1313 |
| 6 | Centro Insurance | 5406 Douglas Ave | (515) 318-5638 |
| 7 | Adriana's Agency | 1514 E Grand Ave Suite B | (515) 266-0402 |
| 8 | Donahue Insurance Agency Inc | 5925 SW 9th St | (515) 287-3919 |
| 9 | Davis Insurance Agency | 2815 Beaver Ave # 200 | (515) 274-3838 |
| 10 | Dallas Downey, DSM Insurance Guy | 505 E Grand Ave | (515) 373-8988 |
The Insurance Specialists Inc serves the Des Moines, Iowa, metro area as a dedicated landlord insurance agent. This firm provides property protection tailored specifically for owners who lease residential or commercial units. Coverage plans are structured to address the risks real estate investors encounter in the region’s rental market. Policies can protect structures against damage from weather events common to the Midwest and also help cover potential lost rental income. The company assists landlords in securing liability coverage for tenant injuries and also handles policies designed for multi-unit apartment properties.
Ligouri Insurance provides a broad range of landlord insurance services, including property damage coverage and liability protection for residential and commercial owners. It offers service plans that help property managers maintain adequate policy limits and adjust coverage as tenants or buildings change. These plans focus on ensuring consistent protection against common rental property risks in Des Moines. Ligouri Insurance services single-family homes, apartment complexes, retail spaces, and restaurants throughout the local area.
Boersma Insurance Services serves Des Moines, Iowa, and its surrounding communities as a landlord insurance agent. It handles property coverage for residential and commercial rental owners, addressing risks like property damage, liability claims, and loss of rental income. The company works to match each policy to the specific needs of a landlord’s portfolio, evaluating the property type and local exposure factors. Its general approach involves a thorough consultation to identify coverage gaps, then customizing a plan that aligns with the landlord’s financial protections and budget requirements.
For individuals requiring occasional assistance versus those needing ongoing risk management, Insurance Networking Systems in Des Moines, IA provides tailored landlord insurance solutions. Coverage options address property damage, liability protection, and potential rental income loss for residential or commercial landlords. Their agents focus on matching policy structures to a client's rental portfolio size and specific exposure concerns. Service appointments are available on either a one-time consultation or scheduled recurring basis to accommodate different property management needs.
Budget Insurance serves property managers, landlords, and real estate investors throughout Des Moines who need coverage for rental dwellings. The agency provides landlord-specific policies that protect against property damage, liability claims, and loss of rental income. Clients can expect guidance in selecting appropriate deductibles and liability limits for their single-family or multi-unit properties. Budget Insurance also works with policyholders and their tenants to understand coverage requirements. In addition to serving Des Moines, the company covers the neighboring community of West Des Moines for landlord insurance needs.
Centro Insurance specializes in customized policies for landlords, including property damage and liability protection. The agency serves Des Moines, Iowa, by helping local property owners navigate coverage options for single-family rentals and multi-unit buildings. Its general service work involves risk evaluation for both long-term leases and short-term stays, ensuring compliance with regional insurance requirements. Throughout the harsh Iowa winters, the company assists landlords in addressing specific concerns like frozen pipe damage and ice dam liabilities.
When icy conditions threaten Des Moines property, landlords often seek coverage to protect against burst pipes and slip-and-fall claims. Adriana's Agency addresses these seasonal risks by offering landlord insurance tailored to rental property owners in the area. The company focuses on policies that cover dwelling damage, liability protections, and potential loss of rental income. A potential client can begin the process by scheduling a thorough on-site inspection of their rental unit, where an agent assesses the property’s specific risks and coverage needs.
Donahue Insurance Agency Inc serves Des Moines property owners by offering general landlord insurance that covers dwelling damage and liability for residential rentals. For added protection, the agency helps secure endorsements for specific rental equipment, business interruption losses, or tenant-related damage exclusions common in local leases. Policies are structured to address the unique exposures of multi-unit buildings, seasonal rentals, and long-term single-family homes. Commercial sectors often served include main street offices, suburban warehouses, and the area's expanding food service operations.
Davis Insurance Agency in Des Moines provides residential landlord insurance for property owners renting single-family homes and duplexes. The agency also covers commercial rental properties in the area. Working with landlords throughout Des Moines, the agency helps structure policies for standard lease scenarios. After issuing a policy, the agency maintains contact with landlords to assist with coverage adjustments when properties change tenants or require upgrades between regular renewal visits.
Dallas Downey, DSM Insurance Guy is a Des Moines, IA landlord insurance agent known for helping property owners manage risk for residential and small commercial rentals. The firm handles standard coverage such as property damage and liability protection. Policies are tailored to different property types within the local area. For property owners with multi-unit dwellings or older structures requiring replacement-cost adjustments, the agency can advise on coordinating additional loss-of-income endorsements.
What Does a a Landlord Insurance Agent in Des Moines Cost?
In Iowa, landlord insurance premiums typically range from 15 to 30 percent more than standard homeowners insurance. For a single-family rental in Des Moines, annual costs often fall between 800 and 1,500 dollars. Factors like property age, location, and coverage limits affect the price. This is general information and not insurance advice.
About landlord insurance agents in Des Moines
Landlord insurance agents in Des Moines help property owners protect their rental investments with specialized coverage. Iowa law does not require landlord insurance but mortgage lenders often do. Agents can explain how local weather risks like hail and tornadoes affect your policy options.
Frequently Asked Questions
What does a landlord insurance agent in Des Moines do?
A landlord insurance agent helps you find coverage for rental property damage, liability, and lost rental income. They compare policies from different insurers and explain Iowa-specific exclusions like flood or earthquake damage.
Is landlord insurance required in Iowa?
Iowa state law does not require landlord insurance. However your mortgage lender may require a policy that covers the building. Many landlords also carry liability coverage to protect against tenant injury claims.
How do Iowa weather risks affect landlord insurance?
Iowa experiences hail storms, tornadoes, and heavy snow. Standard landlord policies often cover wind and hail damage but may exclude flood. An agent can help you add separate flood insurance through the National Flood Insurance Program.
Landlord Insurance Agents in Other Iowa Cities
Ames · Ankeny · Bettendorf · Cedar Falls · Cedar Rapids · Council Bluffs · Davenport · Dubuque · Iowa City · Johnston · Marion · Sioux City · Urbandale · Waterloo · Waukee