Gavop's guide to buying homeowners insurance in Oliver County, ND 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 | $41,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $87,500 | $80,000 | $75,000-$100,000 |
| 3 Bedroom | $101,500 | $90,000 | $75,000-$100,000 |
| 4 Bedroom | $151,000 | $140,000 | $125,000-$150,000 |
| 5 Bedroom | $247,000 | $230,000 | $250,000-$300,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$73 | $737 |
| Home and Two Car | -$138 | $672 |
| Home and Three Car | -$186 | $624 |
| 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 |
| Oliver County | $2,500 | $800 | $3,300 | $581 | $3,081 | $219 |
| Oliver County, ND | $700 | $800 | $1,500 | $581 | $1,281 | $219 |
| West Morton, ND | $200 | $1,051 | $1,251 | $764 | $964 | $287 |
| Hay Creek, ND | $1,000 | $1,677 | $2,677 | $1,218 | $2,218 | $458 |
| Malcolm, ND | $300 | $1,270 | $1,570 | $923 | $1,223 | $347 |
| North Central McLean, ND | $2,000 | $1,218 | $3,218 | $885 | $2,885 | $333 |
| Flasher, ND | $300 | $646 | $946 | $470 | $770 | $177 |
| Horseshoe Valley, ND | $2,500 | $1,292 | $3,792 | $939 | $3,439 | $353 |
| Wing, ND | $400 | $700 | $1,100 | $509 | $909 | $191 |
| Carson, ND | $1,500 | $607 | $2,107 | $441 | $1,941 | $166 |
| Home Insurance Company Oliver County, ND | Homeowners Insurance Agency Oliver County, ND | Address | Popularity Score | Distance from Oliver County (miles) |
|---|---|---|---|---|
| Farmers | Danielle Bruner | 2720 E Broadway Ave, Bismarck, ND, 58501 | 34.9 | |
| State Farm | Rod Skytland | 1310 E Main St Ste A, Mandan, ND, 58554-3783 | 29.5 | |
| Farmers | Melissa Hammond | 4120 Memorial Hwy, Mandan, ND, 58554 | 31.5 | |
| State Farm | Morgan Hayden | 101 Slate Dr Ste 3, Bismarck, ND, 58503-6171 | 31.2 | |
| Liberty Mutual Independent | Bain Agency | 1500 East Capitol Ave, Bismarck, ND, 58501 | 33.2 | |
| Liberty Mutual Independent | Bain Agency | 1500 E Capitol Ave, Bismarck, ND, 58501 | 33.2 | |
| State Farm | Roberta Storm | 116 S Hannifin St, Bismarck, ND, 58504-5312 | 33.2 | |
| State Farm | Terry Richter | 201 N 19th St, Bismarck, ND, 58501-4747 | 34.4 | |
| Farmers | Tina Morast | 1120 College Dr Ste 101, Bismarck, ND, 58501 | 32.1 | |
| State Farm | Renae Haug | 712 E Bowen Ave, Bismarck, ND, 58504-5626 | 34.0 |
| 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 | $790 | $1,580 | $790 |
| Oliver County, ND | $171,800 | $810 | $570 | $1,130 | $560 |
| Oliver County, ND | $171,800 | $810 | $570 | $1,150 | $580 |
| West Morton, ND | $150,000 | $1,064 | $760 | $1,510 | $750 |
| Hay Creek, ND | $361,800 | $1,697 | $1,140 | $2,410 | $1,270 |
| Malcolm, ND | $219,300 | $1,285 | $940 | $1,840 | $900 |
| North Central McLean, ND | $201,700 | $1,233 | $830 | $1,750 | $920 |
| Flasher, ND | $58,900 | $654 | $460 | $900 | $440 |
| Horseshoe Valley, ND | $227,300 | $1,308 | $930 | $1,860 | $930 |
| Wing, ND | $69,000 | $709 | $490 | $970 | $480 |
| Carson, ND | $51,700 | $614 | $420 | $870 | $450 |