Gavop shows you how to buy homeowners insurance in Grand Forks 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 | $48,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $78,500 | $70,000 | $75,000-$100,000 |
| 3 Bedroom | $137,500 | $120,000 | $150,000-$175,000 |
| 4 Bedroom | $160,500 | $150,000 | $125,000-$150,000 |
| 5 Bedroom | $190,500 | $160,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$185 | $904 |
| Superior Protection Discount | -$98 | $991 |
| Fire & Security Discount | -$87 | $1,002 |
| Hail Resistant Roof Discount | -$22 | $1,067 |
| Newly Constructed Home Discount | -$272 | $817 |
| 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 |
| Grand Forks County | $700 | $1,076 | $1,776 | $782 | $1,482 | $294 |
| Grand Forks County, ND | $1,500 | $1,076 | $2,576 | $782 | $2,282 | $294 |
| Mekinock, ND | $400 | $1,005 | $1,405 | $730 | $1,130 | $275 |
| Northwood, ND | $400 | $943 | $1,343 | $685 | $1,085 | $258 |
| Manvel, ND | $700 | $1,015 | $1,715 | $737 | $1,437 | $277 |
| Esther, MN | $500 | $1,090 | $1,590 | $792 | $1,292 | $298 |
| Bloomer, MN | $2,500 | $871 | $3,371 | $633 | $3,133 | $238 |
| Brandt, MN | $1,500 | $2,553 | $4,053 | $1,855 | $3,355 | $698 |
| Bray, MN | $2,500 | $1,005 | $3,505 | $730 | $3,230 | $275 |
| Home Insurance Company Grand Forks County, ND | Homeowners Insurance Agency Grand Forks County, ND | Address | Popularity Score | Distance from Grand Forks County (miles) |
|---|---|---|---|---|
| State Farm | Sharon Opdahl | 2534 17th Ave S Ste F, Grand Forks, ND, 58201-5215 | 17.9 | |
| State Farm | Randy Fenley | 2750 S 26th St Ste A, Grand Forks, ND, 58201-6432 | 18.1 | |
| Allstate | Scott Corbin | 2512 S Washington St Ste B, Grand Forks, ND, 58201 | 18.9 | |
| State Farm | Randy Kottsick | 2600 Demers Ave Ste 105, Grand Forks, ND, 58201-4100 | 18.0 | |
| Liberty Mutual Independent | Insure Forward | 3311 S Washington St Grand Forks, Grand Forks, ND, 58201 | 19.1 | |
| Liberty Mutual Independent | Insure Forward | 3350 S Columbia Rd Ste A, Grand Forks, ND, 58201 | 18.0 | |
| State Farm | Kevin Kouba | 724 N Washington St, Grand Forks, ND, 58203-3135 | 18.9 | |
| Travelers | Vaaler Insurance Inc | 2701 S Columbia Rd, Grand Forks, ND, 58201 | 18.0 | |
| State Farm | David Johnson | 233 3rd St Se, Mayville, ND, 58257-1415 | 30.2 | |
| Travelers | Citizens State Ins Agency Inc | Highway 200, Finley, ND, 58230 | 30.6 |
| 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 | $780 | $1,640 | $860 |
| Grand Forks County, ND | $181,600 | $1,089 | $770 | $1,560 | $790 |
| Grand Forks County, ND | $181,600 | $1,089 | $750 | $1,510 | $760 |
| Mekinock, ND | $137,500 | $1,017 | $690 | $1,430 | $740 |
| Northwood, ND | $121,500 | $954 | $640 | $1,350 | $710 |
| Manvel, ND | $140,000 | $1,027 | $690 | $1,430 | $740 |
| Esther, MN | $172,900 | $1,103 | $810 | $1,530 | $720 |
| Bloomer, MN | $119,600 | $882 | $640 | $1,260 | $620 |
| Brandt, MN | $534,100 | $2,584 | $1,830 | $3,700 | $1,870 |
| Bray, MN | $150,000 | $1,017 | $690 | $1,440 | $750 |