Gavop shows you how to buy homeowners insurance in Emmons County, ND by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $26,000 | $20,000 | $0-$25,000 |
| 2 Bedroom | $60,500 | $60,000 | $50,000-$75,000 |
| 3 Bedroom | $108,000 | $100,000 | $100,000-$125,000 |
| 4 Bedroom | $133,500 | $120,000 | $150,000-$175,000 |
| 5 Bedroom | $220,500 | $180,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$125 | $568 |
| Superior Protection Discount | -$69 | $624 |
| Fire & Security Discount | -$76 | $617 |
| Hail Resistant Roof Discount | -$14 | $679 |
| Newly Constructed Home Discount | -$146 | $547 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Emmons County | $700 | $685 | $1,385 | $498 | $1,198 | $187 |
| Emmons County, ND | $2,500 | $685 | $3,185 | $498 | $2,998 | $187 |
| North Emmons, ND | $200 | $1,100 | $1,300 | $799 | $999 | $301 |
| South Emmons, ND | $2,500 | $939 | $3,439 | $682 | $3,182 | $257 |
| Hazelton, ND | $200 | $747 | $947 | $543 | $743 | $204 |
| Fort Yates, ND | $2,500 | $820 | $3,320 | $596 | $3,096 | $224 |
| Campbell County, SD | $100 | $629 | $729 | $457 | $557 | $172 |
| East Morton, ND | $100 | $1,289 | $1,389 | $937 | $1,037 | $352 |
| Ashley, ND | $700 | $652 | $1,352 | $474 | $1,174 | $178 |
| West McPherson, SD | $300 | $666 | $966 | $484 | $784 | $182 |
| Home Insurance Company Emmons County, ND | Homeowners Insurance Agency Emmons County, ND | Address | Popularity Score | Distance from Emmons County (miles) |
|---|---|---|---|---|
| Farmers | Danielle Bruner | 2720 E Broadway Ave, Bismarck, ND, 58501 | 43.5 | |
| State Farm | Rod Skytland | 1310 E Main St Ste A, Mandan, ND, 58554-3783 | 48.3 | |
| Farmers | Melissa Hammond | 4120 Memorial Hwy, Mandan, ND, 58554 | 46.4 | |
| State Farm | Morgan Hayden | 101 Slate Dr Ste 3, Bismarck, ND, 58503-6171 | 47.5 | |
| Liberty Mutual Independent | Bain Agency | 1500 East Capitol Ave, Bismarck, ND, 58501 | 45.3 | |
| Liberty Mutual Independent | Bain Agency | 1500 E Capitol Ave, Bismarck, ND, 58501 | 45.3 | |
| State Farm | Roberta Storm | 116 S Hannifin St, Bismarck, ND, 58504-5312 | 44.8 | |
| State Farm | Terry Richter | 201 N 19th St, Bismarck, ND, 58501-4747 | 43.9 | |
| Farmers | Tina Morast | 1120 College Dr Ste 101, Bismarck, ND, 58501 | 46.1 | |
| State Farm | Renae Haug | 712 E Bowen Ave, Bismarck, ND, 58504-5626 | 44.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| North Dakota | $174,100 | $1,147 | $810 | $1,630 | $820 |
| Emmons County, ND | $92,200 | $693 | $470 | $980 | $510 |
| Emmons County, ND | $92,200 | $693 | $500 | $990 | $490 |
| North Emmons, ND | $164,000 | $1,113 | $800 | $1,520 | $720 |
| South Emmons, ND | $120,500 | $950 | $670 | $1,320 | $650 |
| Hazelton, ND | $78,100 | $756 | $550 | $1,050 | $500 |
| Fort Yates, ND | $93,300 | $830 | $610 | $1,150 | $540 |
| Campbell County, SD | $65,900 | $637 | $430 | $910 | $480 |
| East Morton, ND | $226,400 | $1,305 | $900 | $1,790 | $890 |
| Ashley, ND | $59,900 | $660 | $450 | $920 | $470 |
| West McPherson, SD | $62,900 | $674 | $490 | $920 | $430 |