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Flood Insurance in West Des Moines, and Norwalk, IA

Keeping Homeowners and Businesses secure in Des Moines, IA

Floods cause all kinds of damages; erosion, structural integrity compromises, and property destruction among them. These damages can result from floods that occur as a result of storms, overflows, and a variety of other things, and in any case even the slightest flooding can result in high costs.  Insurance is a way of reducing and even eliminating these costs and keeping individuals and businesses secure in the events of floods. At Montgomery St. John Insurance we work with the provisions of the National Flood Insurance Program (NFIP) to deliver optimal, customized flood insurance plans.  We have our own flood insurance program and we adapt this program to individual clients’ needs to provide the greatest protection for the best price.

Extended and Specialized Coverages tailored to you

Flood insurance coverages are generally for structures and property and the limits for these coverages are set, in most cases, by the federal government.  Special coverages are available, but in most cases the options provided by the NFIP are what insured parties and insurers can work with.  Common flood insurance policies include General Property, Residential Condominium Building Association, and Standard Dwelling.  These and other policies can be purchased as standalone policies or in combinations. 

Flood insurance covers many things, including

  • Personal items (clothes, electronics, furniture, etc.)
  • Non-drywall walls or ceilings
  • Carpeting
  • Paneling
  • Bookcases and built-in units
  • Window treatments

The limits of flood coverages cannot be exceeded, but an independent agent can help you find the right limits for your needs.  Often, an agent can also find ways to accentuate flood coverage with other coverage from different insurance policies so that what is not covered by flood insurance is covered by other insurance. 

Another thing to consider is reimbursement value.  Replacement cost value (RCV) and actual cash value (ACV) are the two reimbursement options you have.  Businesses more often have the RCV option, which reimburses for a damaged item without consideration for depreciation, than homeowners because of the difficulty of establishing proper item value.  Your agent at Montgomery St. John can help you take advantage of RCV whenever possible.

Contact Us

Contact us in Des Moines, IA or give us a call at (515) 679-0024 to learn more. If you’re ready to start on a policy you can also request a quote

Montgomery St. John Insurance is proud to provide flood insurance in Des Moines, IA and the surrounding areas.

Our Location

Airport Plaza

4214 Fleur Dr, Ste 8
Des Moines, IA 50321
Main office: 515-679-0024
Toll free: 800-379-7722

Our Providers

I can't come up with anything that is being done wrong. Any time we have questions or concerns they are always taken care of immediately. I would highly recommend your services to anyone that is looking for a top notch insurance agency. -Charles Campbell
Charles Campbell
Your willingness to find the best coverage for the best price for your customers. -John Dowell
John Dowell
Customer service, Kelli and Deb are always available to answer my questions. -Tiffanie Nalls
Tiffanie Nalls
Great service. And they always get back with you in a timely manner. -Richard Rudolf
Richard Rudolf
Provided sound advice and options. -James Work
James Work
It is easy to speak with someone and come in at anytime to speak with someone. I like the way you look for better insurance coverage for me each year. The price is right, but you do not compromise great coverage. -Susan Martinez
Susan Martinez
Honesty and promptness. Friendly staff. Great location for me. -Susan Robbins
Susan Robbins
You and your staff have been very professional, accurate and helpful. -Alan Rivers
Alan Rivers
#1 you treat my family like your family #2 ,no pressure. -Wayne Cooper
Wayne Cooper
Gary is always very prompt in taking care of all of our insurance needs - from coverage to claims, we have been very pleased with Montgomery-St. John. -Dusky Terry
Dusky Terry
Gary is always willing to take time when I call to inquire about professional or personal insurance needs. He listens to me and continues to answer questions until I understand his response. I always feel like he has my best interest in mind. -Craig Purscell
Craig Purscell
Your professional attention to details and meeting our individual needs sets you apart from the "other guys". Also, the immediate and accurate information we receive regarding our questions makes us feel confident that all our present and future needs will be handled. Thank you. -Alan Stern
Alan Stern
Gary, you are an awesome source of information and always happy to help. You always go the extra mile. -Susan McFadden
Susan McFadden
Great service. Friendly staff. -Stan Procyk
Stan Procyk
When we call the office with questions, we always get the information quickly. Very friendly staff. -Clyde Sievers
Clyde Sievers
You are the best. I wouldn't go anywhere else. -David Gutfreund
David Gutfreund
Been with MSJ for about 30 years because of the customer service. Price may been a incentive but having the great customer service is what makes it! -Robert Baudler
Robert Baudler
First off, Gary has been absolutely amazing with every insurance need we have ever needed. If I have any questions he is able to help me get the answers and always makes sure I am completely happy with those results. Secondly, Gary has been our "insurance Guy" for over ten years and I constantly suggest others to use him for their needs as well. I. Can't thank him and the wonderful team at Montgomery St. John enough for providing the best for my family. -Elizabeth Pirillo
Elizabeth Pirillo
First off, Gary has been absolutely amazing with every insurance need we have ever needed. If I have any questions he is able to help me get the answers and always makes sure I am completely happy with those results. Secondly, Gary has been our "insurance Guy" for over ten years and I constantly suggest others to use him for their needs as well. I. Can't thank him and the wonderful team at Montgomery St. John enough for providing the best for my family. -Elizabeth Pirillo
Elizabeth Pirillo
You always get back to me promptly on any questions that I have. You treat me like I'm important! -Paula Brekke
Paula Brekke
I just want to mention, that Kelli Freerksen has always provided me with such great customer service and been so helpfulful on all of the various changes that I have had to make over all the years that I have been a customer. She always gets everything taken care of right away, so I don't ever have to worry if my changes are done and implemented. She's definately an asset to your company and a big part of why I have been a customer all of these years. Thank you.
Lori Budding