Home Insurance
Protection for your Iowa home
Built for Iowa weather, Iowa homes, Iowa families
Iowa weather doesn't pull punches. Hailstorms, straight-line winds, ice, the occasional tornado — your home insurance has to be ready for all of it. We help Des Moines and central Iowa homeowners build policies that match the real cost to rebuild today, not what you paid back when you bought the place.
When something happens, you'll have one local point of contact — not a call center — walking you through the claim from the first call to the final check.
Coverage for what Iowa actually throws at your home
Hail. Wind. Fire. Theft. A burst pipe in February. A home policy from Ketelsen Davis Agency covers the things Iowa homeowners actually deal with — and we're in your corner when it's time to file.
- Wind & Hail
- Fire & Smoke Damage
- Theft & Vandalism
- Liability Protection
- Personal Property
FAQ
Frequently Asked Questions
Does my Iowa homeowners policy cover hail and wind?
Yes — wind and hail are standard perils on every Iowa home policy we write. The bigger questions are usually around your deductible (some Iowa carriers apply a separate, percentage-based wind/hail deductible) and your roof's replacement cost coverage. We walk every client through these specifics during the annual review.
Does homeowners insurance cover flood damage?
No. Flood is specifically excluded from every standard homeowners policy. To be covered for flooding — including river flooding along the Des Moines and Raccoon Rivers, or flash flooding from heavy spring storms — you need a separate flood policy through the National Flood Insurance Program (NFIP).
How much home insurance do I need?
Enough to fully rebuild your home at today's construction costs — not what you paid for it, not what Zillow says it's worth. Iowa construction costs have climbed sharply in recent years, and underinsured homes are one of the most common surprises after a loss. We review replacement cost annually with every client.
What's NOT covered by a standard home policy?
Flood, earthquake, routine wear and tear, pest damage, mold from long-term leaks, and business activity run out of the home are the most common exclusions. Some of these can be added with an endorsement or a separate policy — let's talk through what your home actually needs.
How does the claims process work?
Call us first, before you call the 1-800 number. We help document the damage, file the claim, and advocate for you if the carrier's first offer doesn't match what you're owed. Having a local Iowa agent in the loop almost always means a faster, cleaner outcome.
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Tell us about you — we'll take it from there.
Trusted by hundreds of Iowa homeowners