Great Northwest Insurance Brokers, LLC
22506 Marine View Dr S, #201, Des Moines, WA 98198
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22506 Marine View Dr S, #201, Des Moines, WA 98198
View this agency's profile to learn more about their services.
22815 Pacific Hwy S, Des Moines, WA 98198
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Learn about insurance coverage options specific to Des Moines residents.
Des Moines home insurance averages $2,000-$2,600/year. Learn about tornado coverage, flood insurance needs, and protecting your home from Iowa weather.
Car InsuranceDes Moines auto insurance guide: Iowa's 20/40/15 minimums, at-fault laws, I-80/I-35 traffic risks, average costs, and coverage you actually need.
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Yes, standard homeowners insurance policies cover tornado damage to your dwelling, personal property, and other structures on your property. This includes damage from high winds, flying debris, and objects that penetrate your home during a tornado. However, you'll need to pay your deductible before coverage kicks in, and some policies may have a separate wind/hail deductible that's higher than your standard deductible.
Even if you're not in a designated flood zone, flood insurance is worth considering in Des Moines. About 25% of flood insurance claims come from properties outside high-risk flood zones, and heavy rainstorms can cause street flooding that backs water into basements anywhere in the city. With flood insurance averaging $1,407 annually in Polk County and the average claim paying $66,000, the protection can be worth it even if your risk seems low.
Your dwelling coverage should be high enough to completely rebuild your home at current construction costs, not just what you paid for it. With construction costs rising, many homeowners are underinsured without realizing it. Consider guaranteed replacement cost coverage, which rebuilds your home even if costs exceed your policy limit. For personal property, aim for 50-70% of your dwelling coverage, and make sure you have at least $300,000 in liability coverage.
Standard homeowners policies cover hail damage to your roof, siding, and windows. However, your payout depends on whether you have replacement cost or actual cash value coverage. Replacement cost pays to replace your roof at today's prices, while actual cash value deducts depreciation based on your roof's age. On an older roof, the difference can be thousands of dollars, so replacement cost coverage is worth the slightly higher premium.
Replacement cost coverage pays to repair or replace damaged property at current prices without deducting for depreciation. Actual cash value coverage pays what your damaged property was worth at the time of loss, accounting for age and wear. For example, if your 15-year-old HVAC system is destroyed, replacement cost might pay $8,000 for a new system, while actual cash value might only pay $3,000 for the depreciated value of your old system.
Peak tornado season in Des Moines runs from May through June, though tornadoes can occur from April through September. Before storm season, review your insurance coverage to ensure it's adequate, document your home and belongings with photos, and identify your safe room or basement shelter area. Keep your insurance policy documents and agent contact information easily accessible, and consider signing up for emergency weather alerts on your phone.
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