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Directory of umbrella insurance agents in Des Moines, Iowa. Verify credentials with the state department of insurance before hiring.
12 agents listed
Updated May 2026
Des Moines, IA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Iowa before hiring.
Showing 12 umbrella insurance agents in Des Moines, IA
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
The Insurance Specialists Inc
514 E Euclid Ave, Des Moines, IA 50313
(515) 280-1207
insspecinc.com
Ketelsen Davis Agency
106 SW 7th St Ste B101, Des Moines, IA 50309
(515) 257-7072
agents.allstate.com
Boersma Insurance Services
100 Court Ave #310/450, Des Moines, IA 50309
(515) 327-7033
boersmainsurance.com
Insurance Networking Systems
3512 Ingersoll Ave, Des Moines, IA 50312
(515) 243-1223
myinsagents.com
Diversity Insurance Inc / Seguros Mundo Latino
1541 E Grand Ave Suite A, Des Moines, IA 50316
(515) 287-0055
mydiversityinsurance.com
Centro Insurance
5406 Douglas Ave, Des Moines, IA 50310
(515) 318-5638
centroinsurance.com
Adriana's Agency
1514 E Grand Ave Suite B, Des Moines, IA 50316
(515) 266-0402
adrianas-agency.com
Mauro Insurance
4314 SW 9th St, Des Moines, IA 50315
(515) 287-2257
mauroinsurance.net
Dallas Downey, DSM Insurance Guy
505 E Grand Ave, Des Moines, IA 50309
(515) 373-8988
dsminsuranceguy.com
Farmers Insurance - Flavio Ortiz
5713 Madison Ave, Des Moines, IA 50310
(515) 255-5450
agents.farmers.com
Reynolds & Reynolds Inc
300 Walnut St STE 200, Des Moines, IA 50309
(515) 243-1724
agent.travelers.com
Legado Insurance Professionals
2580 Fleur Dr Suite 102, Des Moines, IA 50321
(515) 809-9271
legadoinsurance.com
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.
What Does 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.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
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.
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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Iowa.