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Property Insurance

Strength and Stability for Your Home.

Your home is your sanctuary. It’s a dependable shelter that keeps you and your family safe, and it’s the place where memories are made. For most people, a house represents the biggest financial and emotional investment they’ll ever make. With the right Property Insurance plan, you can protect your investment and your personal property from whatever life throws your way.

Every Home Insurance policy is different, and at Montgomery-St John Insurance Agency, we’ll work with you to make sure that your policy fits the needs of yourself and your family. Property Insurance may insure your home from the following types of damage:

  • Fire and Lightning
  • Collisions from Vehicles or Aircraft
  • Hail
  • Sewer/Drain Backup
  • Windstorm
  • Vandalism
  • Volcanic Eruption
  • Smoke
  • Freezing Conditions or Snow

Property Insurance Options to Consider

There are many additional coverage types that are available to safeguard your home and belongings, and it’s important to talk with a representative from Montgomery-St John Insurance Agency who can help you find the right policy.

Options such as Personal Property Insurance and Flood or Earthquake Insurance may not fall under a standard Homeowners policy. In the event of an accident or theft, Personal Property can pay the actual cash value (ACV) or replacement cost of personal content items or articles like furniture, appliances, and clothing.

Other items that may be included are Builder’s Risk while your home is being built or reconstructed, and insurance for damage to pertinent/detached structures.

Another important feature to consider in your Homeowners policy is Dwelling Replacement Coverage. If a fire or other accident leaves your home a “total loss,” this coverage provides for the cost of replacing your home at its current value, rebuilding to code, and Ordinance & Law.

As is the case with many other features of Home Insurance, additional coverage can vary greatly depending on your policy, which is why it’s important to discuss your individual insurance options with Montgomery-St John Insurance Agency before making a decision.

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