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HomeUmbrella Insurance AgentsIowa › Des Moines

Find Umbrella Insurance Agents Near You in Des Moines, IA

Browse umbrella insurance agents serving Des Moines, Iowa. Updated 2026-07-14.

The top-rated umbrella insurance agent in Des Moines, Iowa is The Insurance Specialists Inc, rated 4.8 stars across 284 reviews. Other highly rated options include Ketelsen Davis Agency, Boersma Insurance Services, Insurance Networking Systems. This directory lists 12 umbrella insurance agents serving Des Moines.

Showing 12 umbrella insurance agents in Des Moines, IAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1The Insurance Specialists Inc514 E Euclid Ave(515) 280-1207
2Ketelsen Davis Agency106 SW 7th St Ste B101(515) 257-7072
3Boersma Insurance Services100 Court Ave #310/450(515) 327-7033
4Insurance Networking Systems3512 Ingersoll Ave(515) 243-1223
5Centro Insurance5406 Douglas Ave(515) 318-5638
6Adriana's Agency1514 E Grand Ave Suite B(515) 266-0402
7Diversity Insurance Inc / Seguros Mundo Latino1541 E Grand Ave Suite A(515) 287-0055
8Mauro Insurance4314 SW 9th St(515) 287-2257
9Dallas Downey, DSM Insurance Guy505 E Grand Ave(515) 373-8988
10Farmers Insurance - Flavio Ortiz5713 Madison Ave(515) 255-5450
IS
514 E Euclid Ave
The Insurance Specialists Inc
Umbrella Insurance Agent · Des Moines, IA

The Insurance Specialists Inc serves the Des Moines metro area and surrounding Polk County as a local umbrella insurance agent. This firm assists clients in securing additional liability coverage that extends beyond the limits of standard home and auto policies. Residents often seek such policies to protect assets from major claims or lawsuits. This agency handles personal umbrella policies for homeowners and auto owners looking for higher legal protection. It also manages commercial umbrella coverage to protect business owners in this region from large liability exposures.

KD
106 SW 7th St Ste B101
Ketelsen Davis Agency
Umbrella Insurance Agent · Des Moines, IA

Ketelsen Davis Agency provides comprehensive umbrella insurance coverage, offering an extra layer of liability protection that extends beyond the limits of standard home and auto policies. It assists clients in securing policies designed to safeguard significant assets and mitigate financial risk from unforeseen incidents. The agency helps review existing coverage to recommend appropriate service adjustments and maintain updated protection plans as needs evolve. Its services are available for single-family homes, apartments, retail spaces, and restaurants.

BI
100 Court Ave #310/450
Boersma Insurance Services
Umbrella Insurance Agent · Des Moines, IA

Boersma Insurance Services serves homeowners, businesses, and property managers in Des Moines, Iowa, who seek additional liability coverage through umbrella insurance policies. The agency helps clients strengthen their existing protection, offering a second layer of security beyond standard home or auto limits. This service is particularly valuable for those with significant assets or rental properties to safeguard. Boersma Insurance Services also extends its coverage assistance to clients in the neighboring community of West Des Moines.

IN
3512 Ingersoll Ave
Insurance Networking Systems
Umbrella Insurance Agent · Des Moines, IA

Insurance Networking Systems serves the Des Moines, Iowa, area and surrounding communities as an umbrella insurance agent. It handles excess liability coverage that extends beyond the limits of standard home, auto, and watercraft policies. This additional layer of protection helps safeguard personal assets against larger claims and lawsuits. To manage a typical job, the agency first reviews existing underlying policies from the client, then identifies appropriate coverage limits and works to match those needs with a suitable insurance carrier.

CI
5406 Douglas Ave
Centro Insurance
Umbrella Insurance Agent · Des Moines, IA

Centro Insurance specializes in umbrella insurance policies, providing additional liability coverage that extends beyond the limits of standard home and auto policies in Des Moines, Iowa. It generally serves clients who need extra financial protection against major claims or lawsuits. The agency handles coverage for assets such as rental properties, vehicles, and personal savings. For residents of Des Moines, this protection becomes especially relevant during the winter months, when increased risks of slip-and-fall accidents on icy or snowy property may lead to liability claims.

AS
1514 E Grand Ave Suite B
Adriana's Agency
Umbrella Insurance Agent · Des Moines, IA

As winter storms approach Des Moines, homeowners often worry about liability from slippery walkways or fallen tree limbs. Adriana's Agency responds to such concerns by offering umbrella insurance policies that provide an extra layer of protection beyond standard home and auto coverage. These policies help shield personal assets against large claims and lawsuits common in this region. For local residents, the typical process begins with an agent inspecting existing coverage limits to assess what additional protection may be needed.

DI
1541 E Grand Ave Suite A
Diversity Insurance Inc / Seguros Mundo Latino
Umbrella Insurance Agent · Des Moines, IA

Diversity Insurance Inc, operating as Seguros Mundo Latino in Des Moines, IA, provides umbrella insurance policies that can be purchased as a one-time addition or as a recurring annual service to expand liability protection beyond standard home and auto limits. This coverage helps safeguard personal assets from major claims and lawsuits. Service appointments for this type of insurance generally run on either a one-time or as-needed basis depending on client needs.

MI
4314 SW 9th St
Mauro Insurance
Umbrella Insurance Agent · Des Moines, IA

Mauro Insurance provides general liability coverage for businesses and individuals in Des Moines, Iowa, with a specialty in umbrella insurance agent services that extend policy limits beyond standard protection. This added layer safeguards clients against catastrophic claims and major lawsuits that exceed base coverage. By working within the local market, the firm supports commercial sectors including offices, warehouses, and food service operations with tailored risk management solutions.

DD
505 E Grand Ave
Dallas Downey, DSM Insurance Guy
Umbrella Insurance Agent · Des Moines, IA

Dallas Downey, DSM Insurance Guy serves residents in Des Moines, providing umbrella insurance policies that extend liability protection beyond standard home or auto coverage. For commercial clients, the agency helps business owners secure additional layers of liability insurance to safeguard their assets. Service covers the Des Moines metropolitan area and surrounding communities. Clients often return between their regular policy reviews to discuss changes in personal or business circumstances that might require adjusting their umbrella coverage levels.

FI
5713 Madison Ave
Farmers Insurance - Flavio Ortiz
Umbrella Insurance Agent · Des Moines, IA

Farmers Insurance - Flavio Ortiz is known for offering umbrella insurance policies that provide extra liability coverage beyond standard home and auto limits in the Des Moines, IA area. Its service range includes assessing individual risk profiles to ensure clients have adequate financial protection against major claims or lawsuits. An additional specialty service it can add on is personal liability coverage for incidents involving rental properties or recreational vehicles.

RR
300 Walnut St STE 200
Reynolds & Reynolds Inc
Umbrella Insurance Agent · Des Moines, IA
(515) 243-1724
agent.travelers.com/ia/des-moines/300-walnut-st
LI
2580 Fleur Dr Suite 102
Legado Insurance Professionals
Umbrella Insurance Agent · Des Moines, IA
(515) 809-9271
legadoinsurance.com

What Does an a Umbrella Insurance Agent in Des Moines Cost?

The cost of an umbrella insurance policy in Iowa typically ranges from 150 to 300 dollars per year for one million dollars in coverage. Additional millions may cost 50 to 100 dollars each per year. Your actual premium depends on your risk profile, number of vehicles, and property value. This is general information and not insurance advice.

About umbrella insurance agents in Des Moines

Umbrella insurance provides an extra layer of liability protection beyond your auto, home, or boat insurance. In Des Moines Iowa, agents can help you secure this coverage to guard against large claims or lawsuits. Iowa law requires minimum liability limits on auto policies, but an umbrella policy can extend that protection significantly.

Frequently Asked Questions

What does an umbrella insurance agent in Des Moines do?

An umbrella insurance agent helps you purchase a personal liability umbrella policy that covers claims exceeding your primary policy limits. They assess your assets and risk factors to recommend an appropriate coverage amount. In Iowa, this is especially useful for homeowners with rental properties or high net worth.

How much umbrella coverage do I need in Iowa?

Most agents recommend at least one million dollars in umbrella coverage, but the right amount depends on your assets and income. Iowa does not have a state law requiring umbrella insurance, but it can protect you from lawsuits related to car accidents or dog bites. An agent can help you calculate the right limit for your situation.

Does umbrella insurance cover legal defense costs in Iowa?

Yes, umbrella policies typically cover legal defense costs for covered claims, even if the lawsuit is groundless. In Iowa, this can include costs for defending against a personal injury claim on your property. Your agent can explain the specific terms of your policy.

Umbrella Insurance Agents in Other Iowa Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each umbrella insurance agent's credentials and current standing with your state Department of Insurance.