Des Moines has 212,421 residents in 90,105 households. We list 12 agencies for life insurance in Des Moines. Here is what the local numbers say about the cover people here need.

Des Moines at a glance

12life insurance agencies listed
39.5%of households rentRenters insurance
$194,700median home valueHome insurance
1961median year homes were builtRebuild cost calculator
9%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Polk County

FEMA rates the overall natural hazard risk in Polk County, where most Des Moines agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

Strong windVery High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Des Moines
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Des Moines
HailRelatively High
Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.
Home insurance in Des Moines
Ice stormRelatively High
Winter weatherRelatively High

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Iowa

Iowa requires drivers to carry at least $20,000 of bodily injury liability per person, $40,000 per accident and $15,000 of property damage liability, often written 20/40/15.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Des Moines How much liability cover do you need?

Source: legis.iowa.gov. Checked 2026-10-24.

Insurance companies Des Moines agencies work with

Of the 12 Des Moines agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Nationwide4 agencies
Corebridge (AIG Life)3 agencies
Guaranty Income Life Insurance Company3 agencies
Sammons3 agencies
Upstream Life Insurance Company3 agencies
AMERICAN EQUITY INVESTMENT LIFE INSURANCE COMPANY2 agencies
American Life & Security2 agencies
Equitrust Life Insurance Company2 agencies
FARMERS LIFE INSURANCE COMPANY2 agencies
Homesteaders Life Company2 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Des Moines agencies are

Des Moines agencies we list sit in 7 ZIP codes, mostly in Polk County.

503093 agencies
503123 agencies
503212 agencies
503061 agency
503101 agency
503151 agency
503911 agency

Questions

Life insurance in Des Moines

All insurance agencies in Des Moines · Life insurance across Iowa

Where can I find life insurance in Des Moines?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does life insurance cover?

Pays a lump sum to the people who depend on your income.

Which insurance companies do Des Moines agencies work with?

Among the 12 Des Moines agencies whose appointments we hold, the companies they are most often appointed with are Nationwide (4), Corebridge (AIG Life) (3), Guaranty Income Life Insurance Company (3), Sammons (3), Upstream Life Insurance Company (3). An appointed agency can quote that company's policies.

Do I need flood insurance in Des Moines?

FEMA's National Risk Index rates inland flooding risk in Polk County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

Nearby

Life insurance near Des Moines

For insurance agencies

Is your Des Moines agency listed?

Claim your free listing to keep your details right, then add your logo, website and social profiles.

Claim your listing