Gavop shows you how to buy homeowners insurance in Douglas County, MN 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 | $87,500 | $70,000 | $75,000-$100,000 |
| 2 Bedroom | $206,500 | $170,000 | $200,000-$250,000 |
| 3 Bedroom | $201,500 | $180,000 | $175,000-$200,000 |
| 4 Bedroom | $271,500 | $240,000 | $250,000-$300,000 |
| 5 Bedroom | $477,500 | $400,000 | $500,000-$600,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$176 | $925 |
| Superior Protection Discount | -$99 | $1,002 |
| Fire & Security Discount | -$121 | $980 |
| Hail Resistant Roof Discount | -$33 | $1,068 |
| Newly Constructed Home Discount | -$286 | $815 |
| 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 |
| Douglas County | $2,500 | $1,088 | $3,588 | $791 | $3,291 | $297 |
| Douglas County, MN | $2,500 | $1,088 | $3,588 | $791 | $3,291 | $297 |
| Elk Lake, MN | $100 | $1,179 | $1,279 | $857 | $957 | $322 |
| North Fork, MN | $2,000 | $1,135 | $3,135 | $825 | $2,825 | $310 |
| Langhei, MN | $200 | $1,252 | $1,452 | $910 | $1,110 | $342 |
| Pepperton, MN | $1,000 | $1,151 | $2,151 | $836 | $1,836 | $315 |
| Maine, MN | $200 | $1,291 | $1,491 | $938 | $1,138 | $353 |
| Chokio, MN | $400 | $646 | $1,046 | $470 | $870 | $177 |
| Colfax, MN | $700 | $1,380 | $2,080 | $1,003 | $1,703 | $377 |
| Hayes, MN | $300 | $1,010 | $1,310 | $734 | $1,034 | $276 |
| Campbell, MN | $700 | $416 | $1,116 | $302 | $1,002 | $114 |
| Home Insurance Company Douglas County, MN | Homeowners Insurance Agency Douglas County, MN | Address | Popularity Score | Distance from Douglas County (miles) |
|---|---|---|---|---|
| State Farm | Jolene Johannes | 763 Jefferson Street North, Wadena, MN, 56482-2335 | 38.8 | |
| Travelers | Rentz Agency Inc | 517 Atlantic Ave, Morris, MN, 56267 | 32.9 | |
| Liberty Mutual Independent | Dilley Zimny Insurance | 809 Broadway St, Alexandria, MN, 56308 | 5.4 | |
| Travelers | Hendricks Insurance Agency | 215 Central Ave, Osakis, MN, 56360 | 15.6 | |
| State Farm | Amy Roers | 610 Franklin St N Ste 100, Glenwood, MN, 56334-1134 | 19.7 | |
| State Farm | Paul Letendre | 714 Atlantic Ave Ste 6, Morris, MN, 56267-1191 | 32.9 | |
| Allstate | Rohde Insurance Services | 1213 N Union Ave, Fergus Falls, MN, 56537 | 38.7 | |
| Farmers | Mary Olmscheid | 103 State Street, Elrosa, MN, 56325 | 35.8 | |
| State Farm | Shawn Frank | 21566 State Hwy 78, Battle Lake, MN, 56515-0237 | 26.4 | |
| State Farm | Bill Stearns | 320 Jefferson St N Ste 1, Wadena, MN, 56482-1373 | 38.5 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Minnesota | $199,700 | $1,192 | $810 | $1,700 | $890 |
| Douglas County, MN | $197,200 | $1,101 | $790 | $1,520 | $730 |
| Douglas County, MN | $197,200 | $1,101 | $760 | $1,520 | $760 |
| Elk Lake, MN | $200,000 | $1,193 | $810 | $1,680 | $870 |
| North Fork, MN | $186,300 | $1,149 | $840 | $1,570 | $730 |
| Langhei, MN | $225,000 | $1,267 | $920 | $1,790 | $870 |
| Pepperton, MN | $191,100 | $1,165 | $840 | $1,670 | $830 |
| Maine, MN | $239,100 | $1,307 | $940 | $1,860 | $920 |
| Chokio, MN | $78,300 | $654 | $440 | $920 | $480 |
| Colfax, MN | $271,300 | $1,397 | $950 | $1,980 | $1,030 |
| Hayes, MN | $151,300 | $1,022 | $680 | $1,460 | $780 |
| Campbell, MN | $45,000 | $421 | $300 | $600 | $300 |