How Can I Make My Duluth, MN Home Insurance Cheaper

Gavop shows you how to buy homeowners insurance in Duluth, 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 Duluth, MN Home | Back to Top

Bedrooms Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
1 Bedroom $51,500 $50,000 $25,000-$50,000
2 Bedroom $115,000 $100,000 $100,000-$125,000
3 Bedroom $122,000 $100,000 $125,000-$150,000
4 Bedroom $276,000 $230,000 $200,000-$250,000
5 Bedroom $287,000 $270,000 $250,000-$300,000

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

Type Discount ($) Premium After Discount ($)
Multipolicy Discount -$138 $847
Superior Protection Discount -$98 $886
Fire & Security Discount -$69 $916
Hail Resistant Roof Discount -$20 $965
Newly Constructed Home Discount -$207 $778

Choose the Right Deductible for your Duluth, 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
St. Louis County $1,500 $951 $2,451 $691 $2,191 $260
Duluth, MN $1,000 $973 $1,973 $707 $1,707 $266
Hermantown, MN $500 $884 $1,384 $642 $1,142 $241
Midway, MN $700 $1,167 $1,867 $848 $1,548 $319
Oliver, WI $500 $625 $1,125 $454 $954 $171
Esko, MN $2,000 $1,314 $3,314 $955 $2,955 $359
Ault, MN $500 $1,029 $1,529 $747 $1,247 $281
Barnum, MN $700 $1,192 $1,892 $866 $1,566 $326
Tripp, WI $500 $702 $1,202 $510 $1,010 $192
Delta, WI $200 $780 $980 $567 $767 $213
Partridge, MN $2,000 $1,026 $3,026 $745 $2,745 $280

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

Home Insurance Company Duluth, MN Homeowners Insurance Agency Duluth, MN Address Popularity Score Distance from Duluth (miles)
State Farm Karla Mitchell 224 E Ctrl Entrance Ste 2, Duluth, MN, 55811-5519
1.3
Travelers Spirit Valley Agency 31 North 21st Ave West, Duluth, MN, 55806
1.1
Farmers Bonnie J Perkins 738 E Superior St, Duluth, MN, 55802
1.6
Farmers Erik Nelson 394 S Lake Ave Ste 600, Duluth, MN, 55802
1.1
Liberty Mutual Independent Twin Ports Insurance 405 E Superior St Ste 150, Duluth, MN, 55802
1.3
Travelers Insurance Brokers Of Mn 4850 Miller Trunk Hwy Duluth, Hermantown, MN, 55811
4.4
Farmers Patrick Shelton 4929 Matterhorn Dr Ste C2, Duluth, MN, 55811
2.9
Travelers Cartier Agency Inc 2631 W Superior St, Duluth, MN, 55806
1.6
State Farm Quin Flaig 1701 Maple Grove Rd, Duluth, MN, 55811-1828
2.6
State Farm Joe Golcz 5231 E Superior St, Duluth, MN, 55804-2421
6.0

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

Compare Quotes from Top Providers and Save now!

Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
Minnesota $199,700 $1,192 $850 $1,630 $780
St. Louis County, MN $146,700 $963 $690 $1,380 $690
Duluth, MN $152,300 $985 $700 $1,390 $690
Hermantown, MN $221,800 $894 $600 $1,230 $630
Midway, MN $196,200 $1,181 $800 $1,670 $870
Oliver, WI $141,700 $633 $420 $900 $480
Esko, MN $247,200 $1,330 $890 $1,840 $950
Ault, MN $156,300 $1,041 $700 $1,450 $750
Barnum, MN $204,300 $1,206 $860 $1,710 $850
Tripp, WI $185,700 $711 $520 $1,010 $490
Delta, WI $254,200 $789 $560 $1,100 $540
Partridge, MN $155,500 $1,038 $740 $1,480 $740

Research Home Insurance Companies Reviews in Duluth, MN Before Buying | Back to Top

Share a review on your home insurance company


State Farm Home Insurance Reviews

Date: September 18, 2019    Age: 40 to 49    Gender: Male    Marital Status: Married

Customer Service
So far the experience has been A+. They are always a phone call away and willing to help. Local agent makes it easy and painless.

Date: September 11, 2019    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Premium
For my premium, we pay about $130 a year with a very low deductible. I think it is $750 to access the coverage through deductible.I am very pleased with my coverage in comparison to other policies.

Date: December 30, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Customer Service
I have nothing but positive things to say about State Farm and my experiences with their customer service. My wife and I have lived in our current house for approximately 3 years and we've only had to contact State Farm 2-3 times but each time they were extremely helpful and provided the necessary information to resolve an issue.

Allstate Home Insurance Reviews

Date: October 23, 2019    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Premium
My premium is very low, my deductible is lower. It's a win win for a guy like me. allstate is lit.

Date: July 19, 2019    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Policy Offerings
The offerings are similar for similar coverage amounts, however All State does not force me to take insurance on things that I don't even own.


Farmer's Insurance Home Insurance Reviews

Date: August 13, 2019    Age: Above 60    Gender: Female    Marital Status: Unmarried

Customer Service
I have Farmer's Insurance for my home insurance they are excellent insurance to have they are very resonaniable to have and very good

Date: February 07, 2019    Age: 40 to 49    Gender: Female    Marital Status: Married

Policy Offerings
They offer basically the same. The prices are quite competitive in the home market.


Progressive Home Insurance Reviews

Date: March 28, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
Deductible is 100.00 which is absolutely amazing because its a amount i can afford always no matter what.

Allied Insurance Home Insurance Reviews

Date: October 22, 2018    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Premium
I am not a good shopper. I didn't do much, if any, comparisons when I was selecting an insurance provider.

GEICO Home Insurance Reviews

Date: December 02, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Policy Offerings
They are the cheapest company without sacrificing quality. I never have to report an issue twice and they are always easy to talk to whereas other insurance does not reply quickly.


American Strategic Insurance Home Insurance Reviews

Date: November 04, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Policy Offerings
On my insurance policy through Michigan Basic Neuman Agency.I am offered coverage for fire damage at a very low rate.


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