Gavop's guide to buying homeowners insurance in Hettinger 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 | $36,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $61,500 | $60,000 | $50,000-$75,000 |
| 3 Bedroom | $118,500 | $110,000 | $75,000-$100,000 |
| 4 Bedroom | $135,000 | $110,000 | $150,000-$175,000 |
| 5 Bedroom | $265,500 | $240,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$121 | $634 |
| Superior Protection Discount | -$75 | $679 |
| Fire & Security Discount | -$83 | $671 |
| Hail Resistant Roof Discount | -$23 | $732 |
| Newly Constructed Home Discount | -$166 | $588 |
| 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 |
| Hettinger County | $1,000 | $745 | $1,745 | $542 | $1,542 | $204 |
| Hettinger County, ND | $700 | $745 | $1,445 | $542 | $1,242 | $204 |
| East Stark, ND | $700 | $1,080 | $1,780 | $785 | $1,485 | $295 |
| Stark County, ND | $100 | $920 | $1,020 | $669 | $769 | $251 |
| Home Insurance Company Hettinger County, ND | Homeowners Insurance Agency Hettinger County, ND | Address | Popularity Score | Distance from Hettinger County (miles) |
|---|---|---|---|---|
| State Farm | Todd Otto | 128 1st St W, Dickinson, ND, 58601-5108 | 34.5 | |
| Liberty Mutual Independent | American Insurance Inc | 38 1st St W, Dickinson, ND, 58601 | 34.5 | |
| Allstate | Kristi Schwartz | 111 2nd St W, Dickinson, ND, 58601 | 34.5 | |
| State Farm | Scott Karsky | 1091 3rd Ave W, Dickinson, ND, 58601-3802 | 35.3 | |
| State Farm | Randy Harder | 19 E Divide, Bowman, ND, 58623-4028 | 48.1 | |
| Allstate | Cardinal Insur Agcy | 209 Brown Ave, Mott, ND, 58646 | 7.6 | |
| Farmers | David Dolechek | 112 3rd St W Ste 201, Dickinson, ND, 58601 | 34.6 | |
| Liberty Mutual Independent | American Insurance Inc | 38 1st St W, Dickinson, ND, 58601 | 34.5 | |
| Travelers | Grant Morton Insurance Agency Inc | 202 Main St, Carson, ND, 58529 | 42.6 | |
| Travelers | West River Ins Agency Inc | 6th &Amp Adams, Hettinger, ND, 58639 | 31.1 |
| 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 |
| Hettinger County, ND | $108,200 | $754 | $520 | $1,030 | $510 |
| Hettinger County, ND | $108,200 | $754 | $520 | $1,050 | $530 |
| East Stark, ND | $158,200 | $1,093 | $800 | $1,560 | $760 |
| Stark County, ND | $228,200 | $931 | $630 | $1,280 | $650 |