West Des Moines has 71,083 residents in 32,233 households. We list 6 agencies for umbrella insurance in West Des Moines. Here is what the local numbers say about the cover people here need.

West Des Moines at a glance

6umbrella insurance agencies listed
42.6%of households rentRenters insurance
$309,000median home valueHome insurance
1994median year homes were builtRebuild cost calculator
3.9%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 West 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 West 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 West 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 West 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 West Des Moines How much liability cover do you need?

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

Where West Des Moines agencies are

West Des Moines agencies we list sit in 2 ZIP codes, mostly in Polk County.

502665 agencies
502651 agency

Questions

Umbrella insurance in West Des Moines

All insurance agencies in West Des Moines · Umbrella insurance across Iowa

Where can I find umbrella insurance in West 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 umbrella insurance cover?

Extra liability limits that sit above your home and auto policies.

Do I need flood insurance in West 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.

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