Gavop's guide to buying homeowners insurance in Bemidji, MN 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 | $42,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $121,000 | $110,000 | $100,000-$125,000 |
| 3 Bedroom | $139,500 | $120,000 | $125,000-$150,000 |
| 4 Bedroom | $126,000 | $120,000 | $100,000-$125,000 |
| 5 Bedroom | $239,500 | $220,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$141 | $642 |
| Superior Protection Discount | -$70 | $712 |
| Fire & Security Discount | -$78 | $705 |
| Hail Resistant Roof Discount | -$23 | $759 |
| Newly Constructed Home Discount | -$172 | $611 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $7,536 |
| Hail Damage | $5,426 |
| Wind Damage | $9,615 |
| Expensive Claims | |
| Fire | $36,411 |
| Accidental Discharge/Leakage | $8,194 |
| Optional Coverage Losses | $8,403 |
| Home Insurance Company Bemidji, MN | Homeowners Insurance Agency Bemidji, MN | Address | Popularity Score | Distance from Bemidji (miles) |
|---|---|---|---|---|
| State Farm | Jake Bluhm | 512 Beltrami Ave Nw, Bemidji, MN, 56601-3010 | 0.6 | |
| Allstate | Dale Schmidt Agency | 8322 Balsam Rd Nw, Bemidji, MN, 56601 | 6.4 | |
| Travelers | Headwaters Agency Inc | 315 Park Ave S, Park Rapids, MN, 56470 | 39.7 | |
| Travelers | Insurance Brokers Of Mn Inc | 1008 Paul Bunyan Dr Nw 5, Bemidji, MN, 55303 | 0.9 | |
| Allstate | Itasca Region Insurance Agency | 1012 1st St E # 34, Park Rapids, MN, 56470 | 39.3 | |
| State Farm | Brad Spry | 314 Railroad Ave. W., Walker, MN, 56484-0279 | 29.8 | |
| State Farm | Jon Labraaten | 25 Clearwater Ave Sw, Bagley, MN, 56621-8318 | 24.4 | |
| Allstate | Insure Forward | 700 Paul Bunyan Dr Nw, Bemidji, MN, 56601 | 0.7 | |
| Travelers | Island Financial Agency Inc | 7165 Dew Drop Trl Nw, Walker, MN, 56484 | 32.3 | |
| State Farm | Andy Kueber | 301 1st St E, Park Rapids, MN, 56470-1614 | 39.5 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Minnesota | $199,700 | $1,192 | $820 | $1,660 | $840 |
| Beltrami County, MN | $153,100 | $988 | $660 | $1,390 | $730 |
| Bemidji, MN | $130,100 | $783 | $560 | $1,110 | $550 |
| Turtle River, MN | $224,000 | $1,265 | $850 | $1,780 | $930 |
| Clay, MN | $340,900 | $1,611 | $1,160 | $2,220 | $1,060 |
| Columbia, MN | $167,900 | $1,085 | $790 | $1,510 | $720 |
| West Roy Lake, MN | $85,000 | $695 | $470 | $970 | $500 |
| Gould, MN | $219,600 | $1,252 | $890 | $1,720 | $830 |
| Heier, MN | $137,500 | $964 | $650 | $1,370 | $720 |
| La Garde, MN | $150,000 | $1,017 | $700 | $1,450 | $750 |
| Sletten, MN | $167,600 | $1,084 | $730 | $1,500 | $770 |
| Slater, MN | $209,700 | $1,222 | $890 | $1,720 | $830 |