Protect What Matters Most

Comprehensive home and auto insurance coverage tailored to your lifestyle. Get the protection you deserve with rates that fit your budget.

Your Home & Auto Deserve the Best Protection

At Densmore Insurance Strategies, we understand that your home and vehicles are more than just assets—they’re essential parts of your daily life. Our personal insurance solutions are designed to give you peace of mind, knowing that you’re protected against life’s unexpected events.

As an independent agency, we work with multiple top-rated carriers to find you the best coverage at competitive rates. Whether you’re a first-time homeowner or looking to bundle your policies for maximum savings, we’re here to help.

Licensed & Insured

Iowa Licensed Agency

Local Support

Bondurant, Iowa

Trusted by Iowa families since 2005

Home Insurance

Your home is likely your biggest investment. Our homeowners insurance policies provide comprehensive protection for your dwelling, personal belongings, and liability—giving you peace of mind no matter what life throws your way.

Additional Home Coverage Options:

Coverage Options

Dwelling Coverage

Protects the physical structure of your home against covered perils like fire, wind, hail, and more.

Personal Property

Covers your belongings including furniture, electronics, clothing, and other personal items.

Liability Protection

Protects you if someone is injured on your property or if you accidentally damage someone else's property.

Additional Living Expenses

Covers temporary housing and living costs if your home becomes uninhabitable due to a covered loss.

Other Structures

Protects detached structures like garages, sheds, fences, and guest houses on your property.

Medical Payments

Covers medical expenses for guests injured on your property, regardless of fault.

Auto Insurance

Whether you’re commuting to work, running errands, or taking a road trip, our auto insurance keeps you protected on every journey. We offer flexible coverage options to fit your needs and budget.

We Insure All Vehicle Types:

Coverage Options

Liability Coverage

Covers bodily injury and property damage you cause to others in an accident.

Collision Coverage

Pays for damage to your vehicle from collisions with other vehicles or objects.

Comprehensive Coverage

Protects against non-collision events like theft, vandalism, weather damage, and animal strikes.

Uninsured/Underinsured Motorist

Covers you if you're hit by a driver with no insurance or insufficient coverage.

Medical Payments

Covers medical expenses for you and your passengers regardless of who's at fault.

Roadside Assistance

Provides help when you're stranded—towing, flat tire changes, jump starts, and more.

Eligible customers may receive multi-policy discounts from participating insurance carriers.

Bundle Savings Example

Bundled Price

$1,950/yr

You Save $650 Annually!

Additional Personal Insurance Products

Beyond home and auto, we offer a full range of personal insurance solutions to protect every aspect of your life.

Renters Insurance

Protect your belongings and get liability coverage even if you don't own your home.

Condo Insurance

Coverage designed specifically for condo owners, filling gaps in your HOA's master policy.

Landlord Insurance

Protect your rental property investment with specialized coverage for landlords.

Personal Umbrella

Extra liability protection that goes beyond your home and auto policy limits.

Flood Insurance

Standard policies don't cover floods. Get dedicated protection for water damage.

Motorcycle & RV

Specialized coverage for your recreational vehicles and motorcycles.

Your Trusted Local Insurance Partner

For nearly two decades, Iowa families have trusted Densmore Insurance Strategies to protect what matters most. We combine the personalized service of a local agency with access to top national carriers.

Independent Agency

We work with multiple top-rated carriers to find you the best coverage and rates—not just one company's options.

Local Iowa Experts

Based in Bondurant, we understand Iowa's unique risks from severe weather to local regulations.

Personal Service

You'll work with a dedicated agent who knows your name and your coverage needs.

Claims Support

When you need to file a claim, we're here to guide you through the process and advocate on your behalf.

Competitive Rates

Our carrier relationships allow us to offer competitive pricing without sacrificing coverage quality.

Annual Reviews

We proactively review your policies each year to ensure you have the right coverage as your life changes.

19+

Years serving Iowa families

FAQ

Frequently Asked Questions

Get answers to common questions about personal insurance coverage.

How much home insurance coverage do I need?
Your dwelling coverage should be enough to rebuild your home at current construction costs—not the market value. We’ll help you calculate the right amount based on your home’s square footage, construction type, and local building costs. You’ll also want enough personal property coverage to replace your belongings.
Several factors influence your auto insurance premium, including your driving record, age, vehicle type, annual mileage, credit history, and coverage levels. Where you live in Iowa also matters—urban areas typically have higher rates than rural areas. We can help you find discounts to lower your premium.
Actual cash value (ACV) pays what your item was worth at the time of loss, accounting for depreciation. Replacement cost coverage pays to replace items with new ones of similar quality. While replacement cost premiums are slightly higher, they provide much better protection—especially for older homes and belongings.
Standard home insurance doesn’t cover flood damage. If you’re in a flood zone, your mortgage lender may require it. Even outside flood zones, it’s worth considering—over 20% of flood claims come from low-risk areas. We offer both NFIP and private flood insurance options.
There are many ways to save: bundle home and auto policies (up to 25% off), increase your deductibles, install security systems and smoke detectors, maintain good credit, ask about safe driver discounts, and review your coverage annually. As an independent agency, we can shop multiple carriers to find the best rates.
First, ensure everyone is safe and call 911 if needed. Exchange information with other drivers, take photos of the damage and scene, and get contact info from witnesses. Report the accident to police and your insurance company promptly. We’re here to help guide you through the claims process.
Standard home insurance provides very limited coverage for business equipment and no liability coverage for business activities. If you run a business from home, you may need a home business endorsement or a separate business policy. We can review your situation and recommend the right coverage.

We recommend reviewing your policies annually or whenever you have a major life change—buying a home, getting married, having children, making home improvements, or purchasing a new vehicle. Regular reviews ensure your coverage keeps pace with your changing needs and helps identify potential savings.

Free Quote

Request Your Free Personal Insurance Quote

Ready to protect your home, auto, or both? Fill out the form and one of our licensed agents will contact you within 24 hours with personalized coverage options and competitive quotes.

Call Us

(515) 967-3390

Email

info@densmoreis.com

Address

85 Paine Street SE, Suite G, Bondurant, Iowa 50035

Request a Quote

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