Condo & co-op insurance in Des Moines, IA
Condos and co-ops split responsibility between the building's master policy and your own walls-in coverage. Getting the boundary right is the whole game.
Des Moines, IA market figures computed from public licensing records as of 2026-06-10. “Records” reflect each agency’s earliest entry in the licensing file — see how we source data.
Condo / co-op coverage to consider
- Interior / walls-in coverage (HO-6)
- Personal property
- Personal liability
- Loss assessment
- Improvements & betterments
- Water backup (where offered)
Coverage needs vary. A licensed agent will help you decide what applies — we don't provide quotes or advice.
Homes in Des Moines
Dwelling coverage follows what it would cost to rebuild locally, not the listing price. Housing facts for Des Moines give that conversation a starting point.
Source: U.S. Census Bureau, American Community Survey 5-year estimates (2020-2024), for Des Moines.
Disaster history in Polk County
Federal disaster declarations are public FEMA records of the events that have hit Polk County hardest. They're useful context when deciding which coverages and limits matter here.
Source: FEMA public records (disaster declarations), county-level figures for Polk County.
Insurance agency records in Des Moines
11 businesses listed from public licensing records. Preferred Agencies are clearly labeled and shown first; other listings are alphabetical. Listings are not endorsements.
Des Moines, IA
License categories: Property & casualty. Confirm services with the agency.
In records since 2025 · NPN 21253227 · Public licensing record
Des Moines, IA
License categories: Personal lines property & casualty. Confirm services with the agency.
In records since 2012 · NPN 16008324 · Public licensing record
Des Moines, IA
License categories: Property & casualty. Confirm services with the agency.
In records since 2014 · NPN 8483272 · Public licensing record
Des Moines, IA
License categories: Property & casualty, Agency License (FL). Confirm services with the agency.
In records since 2012 · NPN 2109255 · Public licensing record
Des Moines, IA
License categories: Property & casualty, Agency License (FL). Confirm services with the agency.
In records since 2003 · NPN 1921256 · Public licensing record
Des Moines, IA
License categories: Property & casualty, Agency License (FL). Confirm services with the agency.
In records since 2005 · NPN 2109424 · Public licensing record
Source: Public licensing records: Texas DOI (Socrata) + Florida DFS bulk file; Iowa open data (CC-BY 4.0) for contact enrichment.
Other coverage in Des Moines
Agencies in this market may also help with related lines that have local licensing depth.
Condo / co-op in nearby markets in Polk County
Browse nearby markets with enough listed agencies to support a local condo / co-op page.
Frequently asked questions
How many independent agencies can help with condo & co-op insurance in Des Moines, IA?
Public licensing records list 11 insurance agencies in Des Moines, Iowa with broad licensing qualifications relevant to this category, within Polk County. A broad license does not confirm that an agency offers this specialty or represents multiple insurers. Confirm both directly with the agency.
Can I compare condo & co-op insurance with agencies near Des Moines?
Yes. You can request quotes in Des Moines, or browse Clive, Altoona, Ankeny to compare independent agencies in nearby markets in Polk County.
What happens after I request condo & co-op insurance quotes in Des Moines?
Tell us what you need once. We match your request with one licensed independent agency serving Des Moines. We are not an insurance agency and we do not sell your information into a bidding marketplace.
What does the building's master policy cover vs. mine?
Master policies vary — some cover units to the original walls, some less. An agent can read your building's docs and set your walls-in coverage to match.
Is co-op insurance different from condo insurance?
The personal policy is similar, but co-op proprietary leases and house rules can add requirements. Independent agents handle both regularly.
Tell us what you need once.
We'll match you with one independent agency serving Des Moines. Your information is never sold or blasted to a list.
Find Independent Insurance is operated by Relay and is not an insurance agency, broker, or carrier. We do not provide quotes, insurance advice, or coverage recommendations, and we do not guarantee coverage or price. Licensed independent agencies handle quotes, advice, and policy placement.