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
| 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.