Expedition Insurance Services
1200 Valley West Drive, Suite 410, West Des Moines, IA 50266
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1200 Valley West Drive, Suite 410, West Des Moines, IA 50266
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9750 University Ave, Ste 300, West Des Moines, IA 50266
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8300 Mills Civic Pkwy, West Des Moines, IA 50266
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3737 Woodland Ave, Suite 510, West Des Moines, IA 50266
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6400 Westown Pkwy, Suite 100, West Des Moines, IA 50266
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4500 Westown Pkwy, Ste 150, West Des Moines, IA 50266
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Learn about insurance coverage options specific to West Des Moines residents.
West Des Moines home insurance costs $2,400-$2,600/year. Learn about tornado coverage, wind/hail deductibles, and savings for newer homes in Polk & Dallas Counties.
Car InsuranceWest Des Moines auto insurance guide: Iowa's 20/40/15 minimums, average costs around $119/month, I-235 and I-80 risks, and how to get the best rates.
Yes, most standard homeowners insurance policies cover tornado damage as part of wind coverage, since tornadoes are classified as windstorms. However, many Iowa insurers now require separate wind/hail deductibles that are percentage-based (typically 1-5% of your dwelling coverage) rather than your standard flat deductible. Some insurers have even excluded wind coverage entirely, so it's critical to verify your specific policy includes this protection and understand what your out-of-pocket costs would be after a tornado.
Iowa home insurance rates jumped 14% from 2023 to 2024 and continue rising in 2025, primarily due to severe weather claims. Iowa broke its tornado record in 2024 with 131 tornadoes, and hail events increased 133% from 2022 to 2023. These weather-related claims have forced insurers to raise premiums across the board to cover their losses. Additionally, rising construction costs and increasing property values mean replacement costs are higher, contributing to premium increases.
Replacement cost coverage pays to rebuild or repair your home at today's prices without factoring in depreciation, while actual cash value coverage deducts depreciation from the payout. For example, if your 10-year-old roof is damaged, replacement cost would pay for a new roof, but actual cash value would only pay for a roof worth 50% of its original value since it was halfway through its lifespan. Many Iowa insurers have shifted to actual cash value coverage for roofs due to high storm damage claims, which can leave homeowners paying significantly more out of pocket.
Your dwelling coverage should reflect the full replacement cost to rebuild your home at current construction prices, not your home's market value or purchase price. With property values in Polk County rising 9.9% and construction costs increasing, many homeowners are underinsured. Get a professional replacement cost estimate that accounts for your home's square footage, materials, and features, then review and update this coverage annually to keep pace with inflation and rising construction costs.
Yes, newer homes often qualify for significant discounts—typically 10-20% for homes built within the last 10 years. This is because newer construction has updated electrical systems, modern plumbing, and roofs meeting current building codes, reducing risk. You can stack additional savings by installing monitored security systems, smart leak detection devices, impact-resistant roofing, and bundling your home and auto policies. These combined discounts can reduce your premium by hundreds of dollars annually.
As of January 2025, Iowa insurers must provide 60 days' written notice before non-renewal, including the reasons for their decision. This gives you two months to shop for replacement coverage. While homeowners insurance isn't legally required in Iowa, mortgage lenders require it as a condition of your loan. If you're having trouble finding affordable coverage, consider contacting an independent insurance agent who can access multiple carriers, or look into the Iowa FAIR Plan as a last resort for high-risk properties.
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