Gavop tells you how to get the best homeowners insurance in O'Brien County, IA by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $34,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $81,500 | $70,000 | $75,000-$100,000 |
| 3 Bedroom | $143,500 | $120,000 | $125,000-$150,000 |
| 4 Bedroom | $176,000 | $160,000 | $175,000-$200,000 |
| 5 Bedroom | $251,000 | $210,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$109 | $570 |
| Superior Protection Discount | -$68 | $611 |
| Fire & Security Discount | -$68 | $611 |
| Hail Resistant Roof Discount | -$14 | $665 |
| Newly Constructed Home Discount | -$163 | $516 |
| 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 |
| O'Brien County | $700 | $671 | $1,371 | $487 | $1,187 | $183 |
| O'Brien County, IA | $1,500 | $671 | $2,171 | $487 | $1,987 | $183 |
| Dale, IA | $100 | $738 | $838 | $536 | $636 | $202 |
| Amherst, IA | $700 | $734 | $1,434 | $533 | $1,233 | $201 |
| Meadow, IA | $200 | $684 | $884 | $497 | $697 | $187 |
| Rock Rapids, IA | $1,000 | $754 | $1,754 | $548 | $1,548 | $206 |
| Orleans, IA | $500 | $1,279 | $1,779 | $930 | $1,430 | $350 |
| Lorain, MN | $700 | $1,039 | $1,739 | $755 | $1,455 | $284 |
| Highland, IA | $400 | $542 | $942 | $394 | $794 | $148 |
| Hersey, MN | $1,500 | $987 | $2,487 | $717 | $2,217 | $270 |
| Newell, IA | $200 | $627 | $827 | $456 | $656 | $171 |
| Petersburg, MN | $700 | $857 | $1,557 | $623 | $1,323 | $234 |
| Home Insurance Company O'Brien County, IA | Homeowners Insurance Agency O'Brien County, IA | Address | Popularity Score | Distance from O'Brien County (miles) |
|---|---|---|---|---|
| State Farm | Dick Mataloni | 1025 2nd Ave, Sibley, IA, 51249-1506 | 22.6 | |
| State Farm | Janelle Van Meveren | 1807 Norris Pl, Spencer, IA, 51301-3451 | 24.7 | |
| Allstate | Dean Barnes | 201 W 7th St, Spencer, IA, 51301 | 24.5 | |
| Travelers | Northwest Consultants Inc | 205 E Southern St, Sutherland, IA, 51058 | 10.3 | |
| Travelers | Northwest Consultants Inc | 301 N Main, Everly, IA, 51338 | 16.0 | |
| Travelers | First Agency | 822 Central Ave, Hawarden, IA, 51023 | 44.0 | |
| Travelers | Thomas E Benz & Son Agency | Main St, Melvin, IA, 51350 | 14.1 | |
| Allstate | Yockey Ins Inc | 113 S Main St, Holstein, IA, 51025 | 41.3 | |
| Travelers | Northwest Consultants Inc | 313 Main St, Sanborn, IA, 51248 | 7.0 | |
| Travelers | Northwest Consultants Inc | 204 Main Street, Kingsley, IA, 51028 | 38.4 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Iowa | $137,200 | $829 | $610 | $1,140 | $530 |
| O'Brien County, IA | $108,000 | $679 | $490 | $960 | $470 |
| O'Brien County, IA | $108,000 | $679 | $500 | $940 | $440 |
| Dale, IA | $112,500 | $747 | $550 | $1,020 | $470 |
| Amherst, IA | $111,400 | $743 | $530 | $1,020 | $490 |
| Meadow, IA | $98,100 | $692 | $460 | $980 | $520 |
| Rock Rapids, IA | $117,100 | $763 | $510 | $1,060 | $550 |
| Orleans, IA | $369,500 | $1,295 | $950 | $1,800 | $850 |
| Lorain, MN | $159,100 | $1,052 | $720 | $1,480 | $760 |
| Highland, IA | $66,600 | $549 | $380 | $790 | $410 |
| Hersey, MN | $145,800 | $999 | $680 | $1,430 | $750 |
| Newell, IA | $84,700 | $635 | $450 | $880 | $430 |
| Petersburg, MN | $116,500 | $867 | $630 | $1,190 | $560 |