Coverage guide, Des Moines
Renters & condo
Your belongings and your liability. Condo coverage adds the walls-in part the association leaves to you.
Premium from
$11/mo
Carriers quoted
10
Policy term
12 months
Your landlord’s policy covers the building, not your things. A renters policy (HO-4) pays to replace belongings after a fire, theft or burst pipe, covers your liability and pays for a hotel if the unit cannot be lived in.
Condo owners need an HO-6: belongings and liability plus the interior of the unit, such as floors, cabinets and fixtures, as defined in your association’s master policy. We read the master policy before we quote.
Belongings limits from $20,000
Loss assessment coverage for condo owners
Easy to bundle with auto
What it covers
Furniture, clothes, electronics and bikes
Liability if a guest is hurt or you damage a neighbor’s unit
Extra living costs while your unit is repaired
Common gaps
Flood is excluded, even in an upstairs unit
Jewelry and collectibles have low limits unless scheduled
Roommates usually need their own policy
Is this the right policy for you?
A 15-minute call tells you whether you need it, roughly what it costs and what to have ready. No obligation and no fee.
Coverage varies by carrier and policy form. Example premiums only, not a quote or an offer of coverage. Iowa license # 0000000 (demo).
Other policies worth a look.
12 months
Home
The house, your belongings and your liability. We match your roof and deductible to the carrier that wants it.
See the details
6 or 12 months
Auto
Liability for damage you cause, plus collision and comprehensive. Iowa’s 20/40/15 minimum is rarely enough.
See the details
10 to 30 years, or permanent
Life
Term life replaces your income for the years people depend on it, compared across several life carriers.
See the details