Gavop's guide to buying homeowners insurance in Cavalier 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 | $30,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $46,000 | $40,000 | $25,000-$50,000 |
| 3 Bedroom | $97,000 | $80,000 | $100,000-$125,000 |
| 4 Bedroom | $97,000 | $90,000 | $75,000-$100,000 |
| 5 Bedroom | $222,000 | $180,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$127 | $579 |
| Superior Protection Discount | -$64 | $643 |
| Fire & Security Discount | -$78 | $629 |
| Hail Resistant Roof Discount | -$21 | $685 |
| Newly Constructed Home Discount | -$205 | $502 |
| 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 |
| Cavalier County | $2,500 | $698 | $3,198 | $507 | $3,007 | $191 |
| Cavalier County, ND | $1,500 | $698 | $2,198 | $507 | $2,007 | $191 |
| Fairdale, ND | $1,000 | $488 | $1,488 | $355 | $1,355 | $133 |
| Ramsey County, ND | $2,500 | $822 | $3,322 | $597 | $3,097 | $225 |
| Sorenson, ND | $500 | $570 | $1,070 | $414 | $914 | $156 |
| Home Insurance Company Cavalier County, ND | Homeowners Insurance Agency Cavalier County, ND | Address | Popularity Score | Distance from Cavalier County (miles) |
|---|---|---|---|---|
| State Farm | Val Brown | 206 Division Avenue South, Cavalier, ND, 58220 | 38.5 | |
| State Farm | Kevin Vistad | 11 College Dr N, Devils Lake, ND, 58301-6501 | 49.2 | |
| Travelers | Mostad Insurance Services Inc | 724 3rd St, Langdon, ND, 58249 | 4.4 | |
| Allstate | First Agy Devils Lk | 423 6th Ave Ne, Devils Lake, ND, 58301 | 48.8 | |
| Travelers | The Insurance Store | 315 College Dr, Devils Lake, ND, 58301 | 49.0 | |
| Travelers | Mostad Insurance Services Inc | 824 3rd St, Langdon, ND, 58249 | 4.4 |
| 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 | $840 | $1,620 | $780 |
| Cavalier County, ND | $95,500 | $706 | $500 | $980 | $480 |
| Cavalier County, ND | $95,500 | $706 | $470 | $1,010 | $540 |
| Fairdale, ND | $31,900 | $494 | $360 | $680 | $320 |
| Ramsey County, ND | $130,400 | $832 | $570 | $1,180 | $610 |
| Sorenson, ND | $45,500 | $577 | $420 | $800 | $380 |