Gavop's guide to buying homeowners insurance in North Lawrence, SD covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $82,000 | $70,000 | $75,000-$100,000 |
| 2 Bedroom | $200,000 | $170,000 | $175,000-$200,000 |
| 3 Bedroom | $305,500 | $280,000 | $350,000-$400,000 |
| 4 Bedroom | $253,500 | $220,000 | $250,000-$300,000 |
| 5 Bedroom | $368,500 | $330,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$159 | $724 |
| Superior Protection Discount | -$79 | $804 |
| Fire & Security Discount | -$79 | $804 |
| Hail Resistant Roof Discount | -$26 | $857 |
| Newly Constructed Home Discount | -$194 | $689 |
| 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 |
| Lawrence County | $700 | $911 | $1,611 | $662 | $1,362 | $249 |
| Lawrence, SD | $700 | $872 | $1,572 | $634 | $1,334 | $238 |
| Spearfish, SD | $100 | $808 | $908 | $587 | $687 | $221 |
| Deadwood, SD | $1,000 | $956 | $1,956 | $695 | $1,695 | $261 |
| Belle Fourche, SD | $200 | $710 | $910 | $516 | $716 | $194 |
| Summerset, SD | $300 | $1,170 | $1,470 | $850 | $1,150 | $320 |
| West Butte, SD | $2,000 | $1,120 | $3,120 | $814 | $2,814 | $306 |
| Rapid City, SD | $100 | $987 | $1,087 | $718 | $818 | $270 |
| Pine Haven, WY | $2,500 | $1,136 | $3,636 | $826 | $3,326 | $311 |
| Home Insurance Company Lawrence, SD | Homeowners Insurance Agency Lawrence, SD | Address | Popularity Score | Distance from Lawrence (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | First Western Insurance | 41 5th Ave, Belle Fourche, SD, 57717 | 16.0 | |
| Liberty Mutual Independent | First Western Insurance | 132 E Illinois St, Spearfish, SD, 57783 | 3.5 | |
| State Farm | Jodi Garcia | 1230 North Ave Ste 2, Spearfish, SD, 57783-1572 | 3.9 | |
| Liberty Mutual Independent | First Western Insurance | 311 North 27th Street Suite 4, Spearfish, SD, 57783 | 2.2 | |
| State Farm | Eric Fowler | 2118 Lazelle St, Sturgis, SD, 57785-1316 | 14.6 | |
| Farmers | Stephanie Lee | 807 10th Ave, Belle Fourche, SD, 57717 | 15.4 | |
| Liberty Mutual Independent | First Western Insurance | 41 Fifth Ave Po Box 2100, Belle Fourche, SD, 57717 | 15.2 | |
| State Farm | Duke Boston | 1826 5th Avenue, Belle Fourche, SD, 57717-1405 | 14.9 | |
| Farmers | Roger Beck | 1241 Sherman St, Sturgis, SD, 57785 | 15.2 | |
| State Farm | Dave Raml | 318 Mt Rushmr Rd Ste C, Rapid City, SD, 57701-2762 | 38.4 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| South Dakota | $152,700 | $984 | $700 | $1,350 | $650 |
| Lawrence County, SD | $189,200 | $922 | $640 | $1,260 | $620 |
| Lawrence, SD | $236,500 | $883 | $630 | $1,230 | $600 |
| Spearfish, SD | $206,100 | $818 | $590 | $1,160 | $570 |
| Deadwood, SD | $147,600 | $968 | $710 | $1,350 | $640 |
| Belle Fourche, SD | $113,600 | $719 | $520 | $1,030 | $510 |
| Summerset, SD | $217,400 | $1,184 | $860 | $1,680 | $820 |
| West Butte, SD | $201,100 | $1,134 | $780 | $1,600 | $820 |
| Rapid City, SD | $170,700 | $999 | $710 | $1,370 | $660 |
| Pine Haven, WY | $246,100 | $1,150 | $840 | $1,620 | $780 |