Personal Coverage Solutions
Protect What Matters Most to You
Comprehensive personal insurance solutions for Iowa families. From home and auto to umbrella coverage, we safeguard your life, property, and peace of mind.
11+ Coverage Types
2,500+ Families Protected
40+ Years Experience
2,500+
Families Protected
40+
Years of Experience
97%
Client Satisfaction
24/7
Claims Support
Protect Your Family with Confidence
As an independent insurance agency in Bondurant, Iowa, Densmore Insurance Strategies works with multiple top-rated carriers to find the best personal coverage at competitive rates. We don’t work for one insurance company — we work for you.
Whether you’re a first-time homeowner, a growing family, or enjoying retirement, our team crafts customized insurance packages that protect your home, vehicles, valuables, and loved ones. From basic coverage to comprehensive protection, we have you covered.
- Customized policies tailored to your lifestyle
- Access to 30+ top-rated insurance carriers
- Bundle discounts for home and auto
- Annual policy reviews to ensure optimal coverage
Trusted Agency
Serving Iowa families with integrity and expertise for over four decades.
Complete Coverage Portfolio
11 Personal Insurance Solutions
Home Insurance
Protects your home, personal belongings, and provides liability coverage for accidents on your property.
Auto Insurance
Renters Insurance
Condo Insurance
Landlord Insurance
Flood Insurance
Personal Umbrella
Motorcycle Insurance
RV & Travel Trailer
Watercraft Insurance
Personal Inland Marine
The Densmore Difference
Why Iowa Families Trust Us
For over 40 years, Densmore Insurance Strategies has been the go-to personal insurance partner for families across Iowa. Here’s what sets us apart.
Independent & Unbiased
We represent you, not the insurance company. We compare quotes from 30+ carriers to find the best fit for your family.
Bundle & Save
Combine your home and auto policies for significant discounts. We find the best multi-policy savings available.
Personal Touch
You're not just a policy number. Our agents take time to understand your unique situation and coverage needs.
Annual Policy Reviews
We proactively review your coverage each year to ensure it keeps pace with life changes and market conditions.
Claims Advocacy
When you file a claim, we advocate on your behalf to ensure fair and timely resolution with the carrier.
Local Iowa Expertise
Based in Bondurant, we understand Iowa weather risks, local regulations, and the unique needs of Iowa families.
Coverage for Every Stage
Insurance That Grows With You
Life changes, and so should your insurance. We help Iowa families find the right coverage at every stage of life.
First-Time Homeowners
Starting fresh? We help new homeowners understand coverage options and find affordable protection for their first home.
Growing Families
Active Lifestyles
Property Investors
Simple Process
Getting Covered Is Easy
From your first call to policy delivery, we make the personal insurance process straightforward and stress-free.
01
Free Consultation
We start with a no-obligation conversation to understand your family, lifestyle, and coverage priorities.
02
Coverage Review
Our team reviews your current policies and identifies gaps or opportunities for better protection and savings.
03
Custom Proposal
We shop your coverage across 30+ carriers and present options with clear pricing and coverage comparisons.
04
Ongoing Support
After binding your policy, we provide year-round support, claims help, and annual coverage reviews.
Client Success Stories
Trusted by Iowa Families
“Densmore saved us over $800 a year by bundling our home and auto insurance. They also found gaps in our coverage we didn't know existed. Now we have better protection for less money!”
Jennifer & Mike Thompson
Homeowners, West Des Moines
Robert Chen
First-Time Homeowner, Ankeny
Lisa Martinez
RV Owner, Bondurant
Steve & Karen Wilson
Landlords, Des Moines
Common Questions
Personal Insurance FAQ
Get answers to the most common questions about personal insurance coverage for Iowa families.
What types of personal insurance do I need?
How much can I save by bundling home and auto insurance?
Bundling home and auto insurance typically saves 10-25% on your premiums. The exact savings depend on your carrier, coverage levels, and driving history. As an independent agency, we shop multiple carriers to find the best bundle discounts available.
Is flood insurance included in my homeowners policy?
No, standard homeowners insurance does not cover flood damage. If you live in a flood-prone area or want protection against this risk, you’ll need a separate flood insurance policy. We offer both NFIP (federal) and private flood insurance options.
What is umbrella insurance and do I need it?
Umbrella insurance provides extra liability coverage beyond your home and auto policy limits. It’s especially valuable if you have significant assets to protect, own rental properties, have teenage drivers, or host guests frequently. Coverage typically starts at $1 million.
How quickly can I get a personal insurance quote?
We can often provide initial quotes within 24 hours for standard home and auto coverage. More complex situations involving multiple properties, recreational vehicles, or high-value items may take 2-3 business days for a thorough proposal.
What factors affect my home insurance premium?
Key factors include your home’s age, construction type, location, claims history, credit score, coverage limits, and deductible. We help you understand these factors and find ways to optimize your coverage and premium.
Do you offer coverage for boats, RVs, and motorcycles?
Yes! We specialize in recreational vehicle coverage including boats, jet skis, RVs, travel trailers, and motorcycles. These require specialized policies that address unique risks not covered by standard auto insurance.
What happens if I need to file a claim?
When you file a claim, your Densmore agent guides you through the entire process. We help you document the loss, communicate with the insurance company, and advocate on your behalf to ensure fair and timely resolution.
Free Quote
Get Your Custom Personal Insurance Quote
Fill out the form and one of our personal insurance specialists will contact you within 24 hours with a customized proposal tailored to your family’s needs.
Call Us
(515) 967-3390
info@densmoreis.com
Address
85 Paine Street SE, Suite G, Bondurant, Iowa 50035