How Can I Make My Cloquet, MN Home Insurance Cheaper

Gavop shows you how to buy homeowners insurance in Cloquet, MN by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.

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Select the Suitable Coverage Value for your Cloquet, MN Home | Back to Top

Bedrooms Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
1 Bedroom $59,500 $50,000 $25,000-$50,000
2 Bedroom $143,500 $120,000 $150,000-$175,000
3 Bedroom $112,000 $90,000 $100,000-$125,000
4 Bedroom $183,000 $160,000 $200,000-$250,000
5 Bedroom $180,500 $160,000 $150,000-$175,000

Estimate your Savings with Home Insurance Discounts in Cloquet, MN | Back to Top

Type Discount ($) Premium After Discount ($)
Multipolicy Discount -$131 $688
Superior Protection Discount -$74 $745
Fire & Security Discount -$66 $753
Hail Resistant Roof Discount -$16 $803
Newly Constructed Home Discount -$172 $647

Choose the Right Deductible for your Cloquet, MN Home | Back to Top

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
Carlton County $700 $979 $1,679 $712 $1,412 $268
Cloquet, MN $1,500 $809 $2,309 $588 $2,088 $221
Stoney Brook, MN $300 $1,052 $1,352 $765 $1,065 $288
Canosia, MN $2,000 $1,267 $3,267 $920 $2,920 $346
Eagle, MN $100 $1,206 $1,306 $877 $977 $330
Alborn, MN $1,500 $1,222 $2,722 $888 $2,388 $334
Windemere, MN $100 $1,134 $1,234 $824 $924 $310
Cotton, MN $1,000 $1,046 $2,046 $760 $1,760 $286
Denham, MN $100 $508 $608 $369 $469 $139
Bennett, WI $1,000 $654 $1,654 $475 $1,475 $179
Whiteface Reservoir, MN $400 $1,343 $1,743 $976 $1,376 $367
Finlayson, MN $2,000 $957 $2,957 $696 $2,696 $262

Identify Top Home Insurance Agents near Cloquet, MN | Back to Top

Home Insurance Company Cloquet, MN Homeowners Insurance Agency Cloquet, MN Address Popularity Score Distance from Cloquet (miles)
State Farm Karla Mitchell 224 E Ctrl Entrance Ste 2, Duluth, MN, 55811-5519
18.5
Travelers Spirit Valley Agency 31 North 21st Ave West, Duluth, MN, 55806
18.1
Allstate Up North Insurance Agency Inc. 619 Sunnyside Dr, Cloquet, MN, 55720
1.7
Farmers Erik Nelson 394 S Lake Ave Ste 600, Duluth, MN, 55802
19.7
Liberty Mutual Independent Twin Ports Insurance 405 E Superior St Ste 150, Duluth, MN, 55802
19.9
Farmers Patrick Shelton 4929 Matterhorn Dr Ste C2, Duluth, MN, 55811
16.7
Travelers Cartier Agency Inc 2631 W Superior St, Duluth, MN, 55806
17.7
State Farm Lenny Conklin 922 Highway 33 S, Cloquet, MN, 55720-2624
2.3
Liberty Mutual Independent Twin Ports Insurance 405 East Superior St, Ste 150, Duluth, MN, 55802
19.9
State Farm Rolf Flaig 1315 W Arrowhead Rd, Duluth, MN, 55811-2217
20.3

Compare Rates for Cloquet, MN Home Insurance Providers | Back to Top

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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 $1,680 $860
Carlton County, MN $162,800 $991 $710 $1,410 $700
Cloquet, MN $139,900 $819 $570 $1,120 $550
Stoney Brook, MN $162,500 $1,065 $760 $1,520 $760
Canosia, MN $230,100 $1,282 $860 $1,830 $970
Eagle, MN $209,100 $1,221 $830 $1,730 $900
Alborn, MN $214,500 $1,237 $830 $1,690 $860
Windemere, MN $186,100 $1,148 $790 $1,570 $780
Cotton, MN $160,800 $1,059 $720 $1,490 $770
Denham, MN $57,500 $514 $380 $730 $350
Bennett, WI $156,000 $662 $480 $950 $470
Whiteface Reservoir, MN $257,700 $1,359 $980 $1,890 $910
Finlayson, MN $138,600 $969 $650 $1,390 $740