How Much Does Renters Insurance Cost in Des Moines, IA?
Des Moines pricing is 15% below the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Des Moines's diversified economy.See our methodology
Renters Insurance Pricing in Des Moines, IA
Des Moines is one of the more affordable markets for renters insurance, with costs running about 15% below the national average. The city's diversified economy and balanced labor market create favorable conditions for competitive pricing. Getting multiple quotes from the 215K-population metro area is straightforward.
Local climate plays a direct role in renters insurance costs here. Harsh winters and hot summers mean year-round service needs; freeze-thaw cycles affect foundations.
Market-specific factors matter in Des Moines: moderate cost of living keeps contractor rates affordable.
Des Moines has moderate permitting requirements. Depending on the scope of your renters insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Des Moines vs National Average
What Affects Renters Insurance Cost in Des Moines?
Coverage
$20K personal property: $12-$20/mo. $50K: $18-$30/mo. $100K: $25-$45/mo
Location
Low-crime area: $10-$20/mo. High-crime urban: $20-$40/mo
Des Moines Market Conditions
moderate cost of living keeps contractor rates affordable
Local Climate Impact
harsh winters and hot summers mean year-round service needs; freeze-thaw cycles affect foundations
📐 Renters Insurance in Des Moines Cost Calculator
Get a personalized estimate based on your project details
Compare Insurance Rates
See how much you could save with free quotes from top carriers.
Top-Rated Renters Insurance Pros in Des Moines, IA
3 providersElite Roofing & Siding
🏆 SPONSOREDServing Des Moines and surrounding areas since 1998. Licensed, insured, and committed to quality workmanship at fair prices.
Heritage Property Services
All-Pro Contractors
Are You a Renters Insurance Professional?
Get listed on CostWhale and reach thousands of customers searching for renters insurance in Des Moines, IA.
🔍 Compare Insurance Rates
See how much you could save. Compare quotes from top insurance companies in minutes.
* CostWhale may earn a commission. This doesn't affect our pricing data or recommendations.
Tips to Save on Renters Insurance in Des Moines
- 1.Bundle with auto insurance for 10-20% discount
- 2.Raise your deductible to $1,000 to lower premiums
- 3.Most people overestimate coverage needs — inventory your belongings first
- 4.Security features (deadbolts, alarms) can earn discounts
📈 Renters Insurance in Des Moines Cost Trends (2020–2024)
Prices have increased +15.4% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $13 | — |
| 2021 | $14 | +7.7% |
| 2022 | $15 | +7.1% |
| 2023 | $15 | +0.0% |
| 2024 | $15 | +0.0% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Renters Insurance in Des Moines
Recent Reports
Frequently Asked Questions
Is renters insurance worth it?
At $15-25/month, it's one of the best insurance values. A single theft or fire could cost thousands to replace your belongings.
Why does renters insurance cost different in Des Moines than other cities?
Des Moines's costs reflect local labor rates driven by the diversified economy, varied climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
Renters Insurance Cost in Nearby Cities
Related Cost Guides for Des Moines
Popular Services in Des Moines
💰 Get Weekly Cost-Saving Tips
Join 10,000+ smart homeowners. Unsubscribe anytime.