Top 10 Cities to Rent an Apartment: Des Moines, Iowa

Choosing where to live is one of the biggest financial and lifestyle decisions you can make. Whether you're relocating for work, school, or a fresh start, renting can offer flexibility and affordability, if you choose the right place. The best cities for renters offer more than just cheap rent. They combine reasonable living costs with strong job markets, amenities, safety, and reliable access to renters insurance.

In this guide, CheapInsurance.com analyzes what makes a city ideal for renters today, how renters insurance fits into the equation, and reveals why Des Moines, Iowa, stands out as an ideal choice.

What Makes a City Ideal for Renters Today?

The ideal city for renters strikes a balance between cost and quality of life. Several key factors play a role:

• Affordability: Low average rent compared to local income levels is essential. Rent should take up no more than 30 percent of your income.
• Amenities and Lifestyle: Access to public transportation, parks, restaurants, entertainment, and cultural opportunities can elevate the rental experience.
• Job Opportunities: A strong job market gives renters more financial security and mobility.
• Safety and Livability: Lower crime rates and clean neighborhoods matter. People want to feel safe at home and around town.
• Tenant-Friendly Laws: Cities with clear, supportive tenant rights can offer more peace of mind for renters.

Des Moines ranks well across these categories, making it a smart choice for today's renters.

How Does Renters Insurance Vary by City?

Renters insurance is often affordable, but the cost and coverage you need can change depending on where you live. Insurance companies consider several location-based factors when setting your rate:

• Crime Rates: Areas with higher theft or vandalism rates may have higher insurance costs.
• Weather Risks: Cities prone to natural disasters like hurricanes, wildfires, or floods usually require more robust coverage.
• Cost of Living: In cities where rent and property values are higher, coverage limits may need to be higher too.
• Local Regulations: Landlords may require proof of renters insurance before signing a lease.

Understanding how your city affects your policy helps you choose the right level of protection without overpaying. In Des Moines, the average cost of renters insurance is around $18 per month, which is lower than the national average, making it a budget-friendly city for renters.

Why Des Moines is a Top City to Rent In Right Now

Here's a statistical breakdown of why Des Moines stands out for renters, based on affordability, quality of life, job availability, and access to renters insurance.

Rental Market and Affordability: The overall cost of living in Des Moines is about 14% lower than the national average, with housing being 34% less expensive. The average rent for an apartment is around $1,103 per month, which is well below the national average. To live comfortably, a yearly salary of around $39,756 is recommended, keeping rent expenses below the 30% of income guideline.

Job Market: Des Moines has a robust and diverse job market, particularly in the financial services and insurance industries, earning it the nickname "Hartford of the West." The city is home to major employers like Principal Financial Group and Wells Fargo. Other growing sectors include technology, advanced manufacturing, and agbioscience, offering a stable and growing employment landscape.

Amenities and Lifestyle: Des Moines is a hidden gem that blends big-city amenities with a small-town feel. The city boasts a vibrant downtown with a growing food scene and a revitalized riverfront. Residents can enjoy the Pappajohn Sculpture Park, the Des Moines Art Center, and extensive bike trails. The Downtown Farmers' Market is a major draw, and the city's friendly atmosphere and community-focused events make it an easy place to settle in.

Safety and Livability: While Des Moines' crime rates are higher than the state average, they are comparable to or lower than many larger cities. Property crimes are more common than violent crimes. It's important to note that safety can vary by neighborhood, with areas like Beaverdale and West Des Moines having lower crime rates and a strong sense of community. The city is actively working on community policing to improve public safety.

Tenant-Friendly Laws: Iowa state law provides important protections for renters. Landlords must provide a habitable living space and make necessary repairs promptly. They must also give a minimum of 24 hours' notice before entering a rental unit, except in emergencies. Security deposits are capped at two months' rent and must be returned within 30 days of a tenant moving out, making for a fair and transparent rental process.

Why Is Renters Insurance Important for Urban Living?

Living in a city often means closer quarters, shared buildings, and higher foot traffic. That brings more risk of theft, fire, and accidents. Renters insurance is designed to protect you from the financial fallout.

Most standard policies cover:

• Theft or Vandalism: If someone breaks into your apartment and steals your belongings, your policy helps cover replacement costs.
• Fire and Smoke Damage: Fires can spread quickly in multi-unit buildings, making insurance a must.
• Water Damage: Burst pipes and plumbing issues are common in older city buildings.
• Liability Protection: If someone is injured in your apartment, renters insurance can help cover medical and legal costs.

In a dense city like Des Moines where these risks are more likely, renters insurance offers crucial peace of mind.

What Should You Look for in a Renters Insurance Policy in Des Moines?

When comparing renters insurance quotes in Des Moines, focus on these features:

• Personal Property Coverage: Make sure the coverage limit matches the value of your belongings.
• Liability Coverage: A minimum of $100,000 is often recommended, but consider more if you have frequent guests.
• Loss of Use: This helps cover temporary living costs if your apartment becomes uninhabitable.
• Deductible Amount: Choose a deductible you can comfortably afford in case of a claim.
• Additional Coverage: If you own high-value items like jewelry, consider scheduled personal property add-ons.

Finding the right city to rent in goes beyond just finding a good deal on rent. It's about securing a home in a place that fits your lifestyle, offers safety and opportunity, and provides access to affordable renters insurance.

Des Moines stands out for its renter-friendly environment and quality of life. Whether you're moving for work, school, or just a change of scenery, it offers a strong foundation for your next chapter.

And no matter where you land, make sure renters insurance is part of your plan. It's a small cost that protects you from big financial setbacks, and in today's world, that's more important than ever.