The top-rated condo insurance agent in Des Moines, Iowa is Kari Taylor - State Farm Insurance Agent, rated 5.0 stars across 585 reviews. Other highly rated options include The Insurance Specialists Inc, Ligouri Insurance, Ketelsen Davis Agency: Allstate Insurance. This directory lists 17 condo insurance agents serving Des Moines.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Kari Taylor - State Farm Insurance Agent | 554 28th St | (515) 278-8882 |
| 2 | The Insurance Specialists Inc | 514 E Euclid Ave | (515) 280-1207 |
| 3 | Ligouri Insurance | 4320 1/2 SW 9th St | (515) 285-0370 |
| 4 | Ketelsen Davis Agency: Allstate Insurance | 106 SW 7th St Ste B101 | (515) 257-7072 |
| 5 | Boersma Insurance Services | 100 Court Ave #310/450 | (515) 327-7033 |
| 6 | Insurance Networking Systems | 3512 Ingersoll Ave | (515) 243-1223 |
| 7 | Budget Insurance | 3111 Douglas Ave | (515) 277-1313 |
| 8 | Centro Insurance | 5406 Douglas Ave | (515) 318-5638 |
| 9 | Adriana's Agency | 1514 E Grand Ave Suite B | (515) 266-0402 |
| 10 | EMC Insurance Companies Headquarters | 717 Mulberry St | (800) 362-2227 |
Kari Taylor - State Farm Insurance Agent serves the Des Moines, Iowa, metro area as a provider of condo insurance solutions. This agency works with local condominium owners to secure coverage tailored to individual unit policies, including protection for interior structures and personal property. It also assists with liability coverage for accidents that occur within a unit. The agency addresses dwelling and personal liability needs specific to condo associations and individual residents.
The Insurance Specialists Inc provides comprehensive coverage solutions for condominium owners in Des Moines, Iowa, focusing on protecting individual units and common-area liabilities. Their services include helping clients understand master policy gaps and securing appropriate personal property and loss assessment coverage. Clients receive guidance on policy adjustments for renovations or changes in occupancy. The agency services a variety of properties, including single-family homes, apartments, retail spaces, and restaurants.
Homeowners, condo owners, and property managers in Des Moines turn to Ligouri Insurance for tailored condo insurance policies that address common coverage needs like individual unit protection and common area liability. The agency works closely with clients to explain dwelling limits and loss assessment coverage, ensuring each policy aligns with the unique requirements of condominium living. Ligouri Insurance also serves communities in the nearby West Des Moines metro area.
Situated in Des Moines and serving the greater Iowa capital area and its surrounding communities, Ketelsen Davis Agency: Allstate Insurance handles all aspects of condo insurance for local owners and associations. The agency addresses the specific coverage needs of condominium property, from interior structural damage to personal liability protection. For each client, it follows a thorough assessment of the individual unit's policy requirements and common area risks to tailor a plan that provides appropriate financial safeguards.
Boersma Insurance Services specializes in providing condo insurance policies tailored to individual unit owners in Des Moines, IA. The agency assists clients by explaining the coverage differences between master policies and personal contents protection. It also helps customers secure liability coverage for accidents occurring within their condominium. As local weather patterns shift, the agency guides homeowners through claiming options for hail damage or water infiltration issues common during Iowa’s storm season.
As winter weather and shifting seasons bring wear to roofs and foundations in the Des Moines area, condo owners need coverage that protects the interior and shared structures. Insurance Networking Systems works with local condominium associations and individual unit owners to review complex master policy gaps and personal liability needs. Their agents schedule a property inventory assessment during the initial consultation, identifying specific risks attached to the common areas surrounding each unit.
Budget Insurance in Des Moines, IA, offers condo owners a clear choice between finding a single policy for immediate closing needs or arranging renewable coverage that updates each term. Their role as a local agent involves comparing policy structures from multiple carriers to tailor protection for interior finishes, personal liability, and loss assessment exposure. Services can be scheduled for a one-time purchase or maintained through periodic reviews. Assistance runs on either a one-time, scheduled, or as-needed basis to accommodate varying ownership cycles.
Centro Insurance provides residential condo insurance services in Des Moines, Iowa, helping owners protect individual units from common perils like fire and liability. The agency also handles commercial coverage for condo associations seeking property and general liability policies. They serve clients throughout the greater Des Moines area with professional guidance on policy options and local coverage requirements. Policyholders are encouraged to reach out between regularly scheduled renewals for periodic reassessments of changing unit values or personal property needs.
Adriana's Agency is known for providing tailored condo insurance solutions in Des Moines, IA, serving local condominium owners with policies that address shared building structures and personal liability. The agency assists clients in understanding HOA master policy coverage gaps, ensuring individual unit improvements are properly protected against common regional risks like severe storms and water damage. It also offers additional endorsements for identity theft protection and increased replacement cost coverage.
EMC Insurance Companies Headquarters in Des Moines, IA, provides comprehensive condo insurance solutions to property owners seeking coverage for their individual units. It specializes in adding endorsements for enhanced personal property protection and liability limits beyond standard policies. The agency advises on safeguarding against common regional risks like water damage and weather-related perils. Its services extend to commercial sectors, including offices, warehouses, and food service operations, tailoring policies to meet the distinct needs of each business type.
What Does a a Condo Insurance Agent in Des Moines Cost?
Typical condo insurance premiums in Des Moines range from 200 to 600 dollars per year depending on your unit value coverage limits and deductible. Factors like location age of building and claims history also affect the rate. This is general information and not insurance advice.
About condo insurance agents in Des Moines
Condo insurance agents in Des Moines help owners protect their units and personal belongings. Iowa law does not require condo insurance but your mortgage lender and homeowners association may have specific coverage minimums. Agents can explain how master policies and individual policies work together under Iowa regulations.
Frequently Asked Questions
What does a condo insurance agent in Des Moines do?
A condo insurance agent helps you choose a policy that covers your unit interior personal property and liability. They review your associations master policy to avoid gaps or overlaps. Agents also advise on loss assessment coverage which is important under Iowa common interest ownership rules.
Is condo insurance required in Iowa?
Iowa law does not mandate condo insurance for owners. However most mortgage lenders require a policy. Many homeowners associations also require minimum coverage as part of their covenants. An agent can explain your specific obligations.
How do Iowa condo insurance policies differ from homeowners insurance?
Condo insurance typically covers the interior of your unit and your personal belongings while the associations master policy covers the building exterior and common areas. Iowa law allows associations to set minimum coverage amounts for individual unit owners. An agent can help you understand these differences.
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