---
title: Insurance & Risk Management Blog | Life Insurance, Workers' Comp & Risk Tips | Risk Advisors of Iowa | property
description: property | Iowa business and life insurance insights from Risk Advisors of Iowa in Des Moines. Practical tips on workers' comp, E-mods, commercial coverage, and life insurance for families and business owners.
---

[Skip to content](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/property#main-content)

![RAI\_Header\_Logo-removebg-preview](https://www.dsminsuranceguy.com/hs-fs/hubfs/RAI_Header_Logo-removebg-preview.png?width=628&height=96&name=RAI_Header_Logo-removebg-preview.png)

- [Home](https://www.dsminsuranceguy.com/)
- [Services](https://www.dsminsuranceguy.com/iowa-insurance-services)
  
  Show submenu for Services 
  
    - [Commercial Insurance](https://www.dsminsuranceguy.com/insurance-for-iowa-businesses)
      
      Show submenu for Commercial Insurance 
      
          - [Get a Commercial Quote](https://www.dsminsuranceguy.com/commercial-insurance-quote-risk-advisors-of-iowa-dallas-downey)
          - [Iowa Contractor Insurance](https://www.dsminsuranceguy.com/iowa-contractor-insurance)
          - [Iowa Builders Risk Insurance](https://www.dsminsuranceguy.com/builders-risk-insurance)
    - [Life Insurance](https://www.dsminsuranceguy.com/life-insurance-for-iowa)
    - [Iowa Home Insurance](https://www.dsminsuranceguy.com/iowa-home-insurance)
    - [Iowa Auto Insurance](https://www.dsminsuranceguy.com/iowa-auto-insurance)
- [About](https://www.dsminsuranceguy.com/about)
  
  Show submenu for About 
  
    - Areas Served
      
      Show submenu for Areas Served 
      
          - [Free Risk Management Tips](https://www.dsminsuranceguy.com/risk-management-made-simple)
          - [Ankeny](https://www.dsminsuranceguy.com/ankeny-business-insurance)
          - [Des Moines](https://www.dsminsuranceguy.com/desmoines-business-insurance)
          - [Urbandale](https://www.dsminsuranceguy.com/urbandale-business-insurance)
          - [Waukee](https://www.dsminsuranceguy.com/waukee-business-insurance)
          - [West Des Moines](https://www.dsminsuranceguy.com/westdesmoines-business-insurance)
- [Blog](https://www.dsminsuranceguy.com/iowa-insurance-blog)

Open main navigation

Close main navigation

- [Home](https://www.dsminsuranceguy.com/)
- [Services](https://www.dsminsuranceguy.com/iowa-insurance-services)
  
  Show submenu for Services 
  
    - [Commercial Insurance](https://www.dsminsuranceguy.com/insurance-for-iowa-businesses)
      
      Show submenu for Commercial Insurance 
      
          - [Get a Commercial Quote](https://www.dsminsuranceguy.com/commercial-insurance-quote-risk-advisors-of-iowa-dallas-downey)
          - [Iowa Contractor Insurance](https://www.dsminsuranceguy.com/iowa-contractor-insurance)
          - [Iowa Builders Risk Insurance](https://www.dsminsuranceguy.com/builders-risk-insurance)
    - [Life Insurance](https://www.dsminsuranceguy.com/life-insurance-for-iowa)
    - [Iowa Home Insurance](https://www.dsminsuranceguy.com/iowa-home-insurance)
    - [Iowa Auto Insurance](https://www.dsminsuranceguy.com/iowa-auto-insurance)
- [About](https://www.dsminsuranceguy.com/about)
  
  Show submenu for About 
  
    - Areas Served
      
      Show submenu for Areas Served 
      
          - [Free Risk Management Tips](https://www.dsminsuranceguy.com/risk-management-made-simple)
          - [Ankeny](https://www.dsminsuranceguy.com/ankeny-business-insurance)
          - [Des Moines](https://www.dsminsuranceguy.com/desmoines-business-insurance)
          - [Urbandale](https://www.dsminsuranceguy.com/urbandale-business-insurance)
          - [Waukee](https://www.dsminsuranceguy.com/waukee-business-insurance)
          - [West Des Moines](https://www.dsminsuranceguy.com/westdesmoines-business-insurance)
- [Blog](https://www.dsminsuranceguy.com/iowa-insurance-blog)
- [Contact us](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/property#contact)

[Contact us](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/property#contact)

# Iowa Insurance & Risk Management Blog

 

Covering life insurance, workers' compensation, commercial risk, and everything in between — for Iowa families and business owners.

- There are no suggestions because the search field is empty.

[![](https://www.dsminsuranceguy.com/hubfs/Workers%20comp%20audit.webp)](https://www.dsminsuranceguy.com/iowa-insurance-blog/what-is-business-interruption-insurance-coverage-des-moines)

[Business Insurance](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/business-insurance), [Des Moines](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/des-moines), [Commercial insurance](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/commercial-insurance), [Iowa Business Insurance](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/iowa-business-insurance), [property](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/property)

## [Understanding Business Interruption Insurance for Des Moines Businesses](https://www.dsminsuranceguy.com/iowa-insurance-blog/what-is-business-interruption-insurance-coverage-des-moines)

[Dallas Downey. CLCS](https://www.dsminsuranceguy.com/iowa-insurance-blog/author/dallas-downey-clcs) 

 March 10, 2025 at 8:30 AM

What Is Business Interruption Insurance? Running a business in Des Moines requires careful planning ...

[Read more](https://www.dsminsuranceguy.com/iowa-insurance-blog/what-is-business-interruption-insurance-coverage-des-moines)

[![](https://www.dsminsuranceguy.com/hubfs/West%20des%20moines%20commercial%20property.webp)](https://www.dsminsuranceguy.com/iowa-insurance-blog/commercial-property-insurance-west-des-moines-dsmig)

[Business Insurance](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/business-insurance), [Iowa Insurance Broker](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/iowa-insurance-broker), [Insurance Advice](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/insurance-advice), [Des Moines](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/des-moines), [West Des Moines](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/west-des-moines), [Commercial insurance](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/commercial-insurance), [Iowa Business Insurance](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/iowa-business-insurance), [property](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/property), [Iowa Small Business](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/iowa-small-business)

## [Commercial Property Insurance in West Des Moines: A Building Owner's Guide](https://www.dsminsuranceguy.com/iowa-insurance-blog/commercial-property-insurance-west-des-moines-dsmig)

[Dallas Downey. CLCS](https://www.dsminsuranceguy.com/iowa-insurance-blog/author/dallas-downey-clcs) 

 January 27, 2025 at 8:45 AM

If you're a building owner in West Des Moines, Waukee, or the greater Des Moines metro area, your co...

[Read more](https://www.dsminsuranceguy.com/iowa-insurance-blog/commercial-property-insurance-west-des-moines-dsmig)

[![](https://www.dsminsuranceguy.com/hubfs/mcdade52-an-urban-construction-site-bathed-in-bright-midmorning-6718dbd3-9a93-4d5f-835a-426280147a30_orig.png)](https://www.dsminsuranceguy.com/iowa-insurance-blog/builders-risk-insurance-in-des-moines-construction-coverage-guide)

[Business Insurance](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/business-insurance), [Des Moines](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/des-moines), [Builders Risk insurance](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/builders-risk-insurance), [general liability](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/general-liability), [Commercial insurance](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/commercial-insurance), [Iowa Business Insurance](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/iowa-business-insurance), [property](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/property)

## [Understanding Builders Risk Insurance in Des Moines: What Construction Professionals Need to Know](https://www.dsminsuranceguy.com/iowa-insurance-blog/builders-risk-insurance-in-des-moines-construction-coverage-guide)

[Dallas Downey. CLCS](https://www.dsminsuranceguy.com/iowa-insurance-blog/author/dallas-downey-clcs) 

 January 13, 2025 at 8:30 AM

Construction projects in Des Moines, West Des Moines, and Ankeny are booming. From downtown Des Moin...

[Read more](https://www.dsminsuranceguy.com/iowa-insurance-blog/builders-risk-insurance-in-des-moines-construction-coverage-guide)

[![Iowa commercial property insurance](https://www.dsminsuranceguy.com/hubfs/mcdade52-produce-an-image-that-embodies-the-essence-of-commerci-b829f7d4-dbb6-4761-8fa0-502eb80f17b1_orig.png)](https://www.dsminsuranceguy.com/iowa-insurance-blog/iowa-commercial-property-insurance-0)

[Business Insurance](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/business-insurance), [Iowa Insurance Broker](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/iowa-insurance-broker), [Insurance Advice](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/insurance-advice), [Des Moines](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/des-moines), [West Des Moines](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/west-des-moines), [Commercial insurance](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/commercial-insurance), [Iowa Business Insurance](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/iowa-business-insurance), [property](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/property), [Iowa Small Business](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/iowa-small-business)

## [Choosing the Best Commercial Property Insurance in Des Moines](https://www.dsminsuranceguy.com/iowa-insurance-blog/iowa-commercial-property-insurance-0)

[Dallas Downey. CLCS](https://www.dsminsuranceguy.com/iowa-insurance-blog/author/dallas-downey-clcs) 

 May 1, 2024 at 7:09 PM

As a business owner in Des Moines, Iowa, it's important to protect your investment with the right in...

[Read more](https://www.dsminsuranceguy.com/iowa-insurance-blog/iowa-commercial-property-insurance-0)

[![](https://www.dsminsuranceguy.com/hubfs/flood.png)](https://www.dsminsuranceguy.com/iowa-insurance-blog/does-my-home-insurance-cover-flood)

[Iowa Insurance Broker](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/iowa-insurance-broker), [Insurance Advice](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/insurance-advice), [Community](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/community), [Des Moines](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/des-moines), [West Des Moines](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/west-des-moines), [property](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/property), [Iowa Home Insurance](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/iowa-home-insurance)

## [Does My Home Insurance Cover Flood? Understanding Flood Coverage](https://www.dsminsuranceguy.com/iowa-insurance-blog/does-my-home-insurance-cover-flood)

[Dallas Downey. CLCS](https://www.dsminsuranceguy.com/iowa-insurance-blog/author/dallas-downey-clcs) 

 April 30, 2024 at 3:03 PM

At DSMIG, we specialize in offering comprehensive insurance solutions to the residents of Des Moines...

[Read more](https://www.dsminsuranceguy.com/iowa-insurance-blog/does-my-home-insurance-cover-flood)

[![](https://www.dsminsuranceguy.com/hubfs/mcdade52-a-poignant-scene-set-in-the-aftermath-of-a-wildfire-em-0f6fb84c-7a5f-4d20-9caa-25c24160b9b1_orig.png)](https://www.dsminsuranceguy.com/iowa-insurance-blog/what-is-insurance-replacement-cost)

[Iowa Insurance Broker](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/iowa-insurance-broker), [Insurance Advice](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/insurance-advice), [Des Moines](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/des-moines), [West Des Moines](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/west-des-moines), [property](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/property), [Iowa Home Insurance](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/iowa-home-insurance)

## [Home Insurance - What is Insurance Replacement Cost, and how is it different from Assessed Value?](https://www.dsminsuranceguy.com/iowa-insurance-blog/what-is-insurance-replacement-cost)

[Dallas Downey. CLCS](https://www.dsminsuranceguy.com/iowa-insurance-blog/author/dallas-downey-clcs) 

 April 30, 2024 at 2:26 PM

When it comes to protecting your home, understanding the difference between replacement cost and ass...

[Read more](https://www.dsminsuranceguy.com/iowa-insurance-blog/what-is-insurance-replacement-cost)

[![](https://www.dsminsuranceguy.com/hubfs/mj-home-photo_orig.png)](https://www.dsminsuranceguy.com/iowa-insurance-blog/whats-my-home-deductible)

[Iowa Insurance Broker](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/iowa-insurance-broker), [Insurance Advice](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/insurance-advice), [Community](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/community), [Des Moines](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/des-moines), [West Des Moines](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/west-des-moines), [property](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/property)

## [What is my Home Insurance Deductible?](https://www.dsminsuranceguy.com/iowa-insurance-blog/whats-my-home-deductible)

[Dallas Downey. CLCS](https://www.dsminsuranceguy.com/iowa-insurance-blog/author/dallas-downey-clcs) 

 April 29, 2024 at 3:33 PM

When it comes to protecting your home from unexpected events, having a comprehensive home insurance ...

[Read more](https://www.dsminsuranceguy.com/iowa-insurance-blog/whats-my-home-deductible)

[![](https://www.dsminsuranceguy.com/hubfs/mcdade52-a-perfect-photo-of-a-middle-aged-man-dressed-in-busine-136acd8f-c183-48cf-9714-8bc6b7632218_orig.png)](https://www.dsminsuranceguy.com/iowa-insurance-blog/why-insurance-has-become-expensive-in-iowa-a-deep-dive-into-rising-costs)

[Iowa Insurance Broker](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/iowa-insurance-broker), [Insurance Advice](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/insurance-advice), [Community](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/community), [Des Moines](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/des-moines), [West Des Moines](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/west-des-moines), [property](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/property)

## [Why Insurance has Become Expensive in Iowa: A Deep Dive into Rising Costs](https://www.dsminsuranceguy.com/iowa-insurance-blog/why-insurance-has-become-expensive-in-iowa-a-deep-dive-into-rising-costs)

[Dallas Downey. CLCS](https://www.dsminsuranceguy.com/iowa-insurance-blog/author/dallas-downey-clcs) 

 April 29, 2024 at 2:51 PM

Insurance is an essential aspect of our lives, providing us with financial protection and peace of m...

[Read more](https://www.dsminsuranceguy.com/iowa-insurance-blog/why-insurance-has-become-expensive-in-iowa-a-deep-dive-into-rising-costs)

## Did we make things easy to understand?

Our focus is to educate, not sell. If that's the approach you look for in an insurance partner, we'd love to have a conversation to see if we'd be a fit for your organization. 

[Learn more](https://www.dsminsuranceguy.com/contact.html)

---

[![Des Moines Insurance Guy, Risk Advisors of Iowa](https://www.dsminsuranceguy.com/hs-fs/hubfs/RAI_Header_Logo-removebg-preview.png?width=628&height=96&name=RAI_Header_Logo-removebg-preview.png "Des Moines Insurance Guy, Risk Advisors of Iowa")](https://www.dsminsuranceguy.com/)

Copyright © 2026,

```json
{
  "@context" : "https://schema.org",
  "@type" : "Blog",
  "about" : [ {
    "@type" : "Thing",
    "name" : "Life Insurance"
  }, {
    "@type" : "Thing",
    "name" : "Workers Compensation Insurance"
  }, {
    "@type" : "Thing",
    "name" : "Commercial Insurance"
  }, {
    "@type" : "Thing",
    "name" : "Risk Management"
  }, {
    "@type" : "Thing",
    "name" : "Key Person Insurance"
  } ],
  "author" : {
    "@type" : "Person",
    "jobTitle" : "Managing Principal",
    "name" : "Dallas Downey",
    "worksFor" : {
      "@type" : "InsuranceAgency",
      "name" : "Risk Advisors of Iowa"
    }
  },
  "description" : "Practical life insurance, workers' compensation, and commercial risk management insights for Iowa families and business owners from Risk Advisors of Iowa, based in Des Moines.",
  "name" : "Iowa Insurance & Risk Management Blog",
  "publisher" : {
    "@type" : "InsuranceAgency",
    "address" : {
      "addressCountry" : "US",
      "addressLocality" : "Des Moines",
      "addressRegion" : "IA"
    },
    "name" : "Risk Advisors of Iowa",
    "url" : "https://www.dsminsuranceguy.com"
  },
  "url" : "https://www.dsminsuranceguy.com/dsmig-blog"
}
```