PERSONAL INSURANCE

Personal Insurance

Protect What Matters Most
Our team specializes in helping families find the right personal insurance in Bondurant, IA.

Why Choose Us for Personal Insurance in Bondurant, IA?

Your home. Your car. Your loved ones. Life is full of the unexpected, but the right insurance can give you peace of mind when it counts. Whether you’re protecting your family’s future or safeguarding your property, our trusted agents are here to help you every step of the way.

Get started with your personal insurance Bondurant, IA, quote today

HOME & AUTO INSURANCE

Home & Auto Insurance specialists at Densmore Insurance Strategies, Inc. serve to help you coordinate an insurance program that determines the best coverage options for your needs – for benefits and quality discounts that help you save.

Auto Insurance

What Does Car Insurance Cover?

There are three primary types of insurance coverage:

  • Liability insurance: Covers the costs associated with injuries and property damage you are responsible for if you cause an accident.
  • Collision: Covers the costs to repair or replace your damaged or destroyed vehicle after an accident.
  • Comprehensive: Formally known as “other than collision,” this portion of your policy covers damage to your vehicle from causes such as auto theft and weather damage.

There are also several different types of coverage that may be available to you, including:

  • Medical payments: Covers the costs of injuries for you and others in your vehicle after an accident, regardless of who was at fault.
  • Personal injury protection (PIP): Similar to medical payments coverage, PIP coverage can pay your medical costs after an accident, regardless of fault. But PIP offers expanded coverage that includes coverage for lost wages.
  • Rental reimbursement: Pays a certain amount daily for a replacement vehicle if yours is in the shop for repairs.
  • Towing and roadside service: Provides emergency roadside assistance and towing to help you get your vehicle back on the road or to a shop for repair.

What Types of Car Insurance Coverage Do I Really Need?

It depends on your car’s value and how much you need your car. If you drive an old rust bucket that would be cheaper to replace than repair, you probably only need liability. (Because your premiums could be higher than actual repair costs.)

On the other hand, if you absolutely must have your car for work, dropping off your kids, or other mission-critical tasks, consider adding the other types (especially rental car coverage). They’ll help you cover bills and other expenses to get you back on the road.

How Much Does Car Insurance Cost in Ankeny/Des Moines?

An average driver with a good record will likely pay about $800 a year for full coverage for one car. If they choose liability coverage only, costs could be as low as $600.

Auto insurance costs are based mostly on the coverage you choose, the value of your car and your driving history. Driving a luxury car and getting DUIs or other violations will push costs higher. Your rates will drop as you get older, especially after turning 25. 

Home Insurance

What Is Homeowners Insurance—And Why It Matters

Whether you live in a cozy cottage or your forever dream home, homeowners’ insurance is essential protection. It’s a contract between you and your insurer that helps cover repair or replacement costs after covered events like fire, storm damage, or theft.

Why You Need It

Your home is one of your biggest investments. Without insurance, a major disaster could drain your savings or lead to financial hardship. Homeowners’ insurance helps cover:

  • Damage to your home’s structure

  • Replacement of personal belongings

  • Liability claims if someone is injured on your property

From furniture to family heirlooms, your belongings deserve protection, too.

Peace of Mind Starts Here

Don’t leave your home unprotected. With the right policy, you can enjoy life knowing you’re covered when the unexpected strikes.

Let’s get you the protection you need. Get your free quote today.

The professionals working for you!

Independent. Local. Focused on You.

Based in Bondurant and proudly serving businesses across Iowa, Densmore Insurance Strategies Inc. is an independent agency near Ankeny. That means we work with multiple top-rated carriers—comparing coverage and pricing to find the best value for your specific needs.

Serving Iowa and Beyond

We’re proud to support business owners in Ankeny, Des Moines, Altoona, Bondurant, Urbandale, and surrounding communities. Our licensed agents are ready to help clients in Iowa, Illinois, Nebraska, Florida, Missouri, Arizona, Texas, and Tennessee.

🔍 Want to learn more? Visit us at densmoreinsurance.com to explore your options and get a quote.

WHY CHOOSE DENSMORE INSURANCE?

Personalized, Local Expertise

As a Bondurant-based independent agency, we understand the unique needs of Central Iowa businesses and families, offering tailored insurance solutions with a personal touch.

Comprehensive Coverage Options

We partner with multiple top-rated carriers to provide a broad range of insurance products, ensuring you receive the best coverage at competitive prices.

Dedicated Client Advocacy

Our commitment extends beyond policy selection—we stand by you during claims and policy reviews, acting as your steadfast advocate every step of the way.

Protect what matters most!

Protect your home, car, and family with trusted personal insurance coverage tailored for Bondurant, IA, residents. Let Densmore Insurance give you peace of mind with personalized service and competitive rates.

Request a free quote online now or call us at 515-967-3390 to get started!