Protect What Matters Most
- Personal Insurance Solutions
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
Additional Home Coverage Options:
- Flood Insurance
- Earthquake Coverage
- Scheduled Personal Property
- Identity Theft Protection
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
We Insure All Vehicle Types:
- Cars & Sedans
- Motorcycles
- Boats & Watercraft
- SUVs & Trucks
- RVs & Campers
- Classic Cars
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.
- Bundle & Save
Eligible customers may receive multi-policy discounts from participating insurance carriers.
- Multi-policy discount up to 25%
- Single deductible for covered claims
- One convenient payment
- Dedicated local agent
Bundle Savings Example
- Home Insurance
- $1,200/yr
- Auto Insurance
- $1,400/yr
- Separate Total
- $2,600/yr
Bundled Price
$1,950/yr
You Save $650 Annually!
- More Coverage Options
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.
- Personal property coverage
- Liability protection
- Additional living expenses
Condo Insurance
Coverage designed specifically for condo owners, filling gaps in your HOA's master policy.
- Interior dwelling coverage
- Personal property
- Loss assessment coverage
Landlord Insurance
Protect your rental property investment with specialized coverage for landlords.
- Dwelling protection
- Lost rental income
- Landlord liability
Personal Umbrella
Extra liability protection that goes beyond your home and auto policy limits.
- $1M+ coverage available
- Lawsuit protection
- Worldwide coverage
Flood Insurance
Standard policies don't cover floods. Get dedicated protection for water damage.
- Personal property coverage
- Liability protection
- Additional living expenses
Motorcycle & RV
Specialized coverage for your recreational vehicles and motorcycles.
- Collision & comprehensive
- Accessory coverage
- Roadside assistance
- Why Densmore Insurance
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?
What factors affect my auto insurance rates?
What's the difference between actual cash value and replacement cost?
Do I need flood insurance in Iowa?
How can I lower my insurance premiums?
What should I do after a car accident?
Does my home insurance cover my home business?
How often should I review my insurance policies?
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
info@densmoreis.com
Address
85 Paine Street SE, Suite G, Bondurant, Iowa 50035