Gavop shows you how to buy homeowners insurance in Lincoln County, SD by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $69,500 | $60,000 | $50,000-$75,000 |
| 2 Bedroom | $114,000 | $90,000 | $125,000-$150,000 |
| 3 Bedroom | $197,000 | $170,000 | $150,000-$175,000 |
| 4 Bedroom | $358,000 | $320,000 | $350,000-$400,000 |
| 5 Bedroom | $328,500 | $290,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$151 | $929 |
| Superior Protection Discount | -$108 | $972 |
| Fire & Security Discount | -$97 | $983 |
| Hail Resistant Roof Discount | -$32 | $1,047 |
| Newly Constructed Home Discount | -$292 | $788 |
| 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 |
| Lincoln County | $1,500 | $1,067 | $2,567 | $775 | $2,275 | $292 |
| Lincoln County, SD | $700 | $1,067 | $1,767 | $775 | $1,475 | $292 |
| Dayton, SD | $500 | $1,334 | $1,834 | $969 | $1,469 | $365 |
| Pleasant, SD | $700 | $1,299 | $1,999 | $944 | $1,644 | $355 |
| Centerville, SD | $500 | $731 | $1,231 | $531 | $1,031 | $200 |
| Garfield, SD | $1,500 | $1,053 | $2,553 | $765 | $2,265 | $288 |
| Hills, MN | $300 | $720 | $1,020 | $523 | $823 | $197 |
| Baltic, SD | $1,500 | $965 | $2,465 | $701 | $2,201 | $264 |
| Menno, SD | $300 | $640 | $940 | $465 | $765 | $175 |
| Hospers, IA | $1,000 | $710 | $1,710 | $516 | $1,516 | $194 |
| Le Mars, IA | $100 | $715 | $815 | $520 | $620 | $196 |
| Kenneth, MN | $700 | $526 | $1,226 | $382 | $1,082 | $144 |
| Home Insurance Company Lincoln County, SD | Homeowners Insurance Agency Lincoln County, SD | Address | Popularity Score | Distance from Lincoln County (miles) |
|---|---|---|---|---|
| State Farm | Ty Teveldal | 3928 S Western Ave, Sioux Falls, SD, 57105-6513 | 15.8 | |
| Farmers | Sara Bye | 5 Market St, Vermillion, SD, 57069 | 36.2 | |
| State Farm | Jason Ahrendt | 5109 S Cliff Ave Ste 300, Sioux Falls, SD, 57108-5445 | 15.1 | |
| State Farm | Erin Beyke | 201 E 5th St, Canton, SD, 57013-1733 | 6.8 | |
| State Farm | Ryan Reiner | 3015 E 10th St, Sioux Falls, SD, 57103-2101 | 18.5 | |
| State Farm | Bill Thompson | 603 W 41st St, Sioux Falls, SD, 57105-6403 | 16.3 | |
| Farmers | Kevin Carda | 2006 Locust St, Yankton, SD, 57078 | 43.6 | |
| State Farm | Dan Scholten | 5604 W 41st St Ste 104, Sioux Falls, SD, 57106-1010 | 16.7 | |
| Allstate | Dennis Arp | 3801 S Western Ave Ste 100, Sioux Falls, SD, 57105 | 16.0 | |
| Allstate | Pete Russell | 6116 S Lyncrest Ave Ste 102, Sioux Falls, SD, 57108 | 14.5 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| South Dakota | $152,700 | $984 | $680 | $1,350 | $670 |
| Lincoln County, SD | $209,700 | $1,080 | $780 | $1,530 | $750 |
| Lincoln County, SD | $209,700 | $1,080 | $770 | $1,500 | $730 |
| Dayton, SD | $271,400 | $1,350 | $900 | $1,880 | $980 |
| Pleasant, SD | $260,200 | $1,315 | $910 | $1,880 | $970 |
| Centerville, SD | $80,700 | $740 | $540 | $1,050 | $510 |
| Garfield, SD | $178,900 | $1,066 | $770 | $1,500 | $730 |
| Hills, MN | $90,800 | $729 | $500 | $1,000 | $500 |
| Baltic, SD | $150,600 | $977 | $700 | $1,350 | $650 |
| Menno, SD | $56,100 | $648 | $470 | $890 | $420 |
| Hospers, IA | $105,100 | $719 | $480 | $1,030 | $550 |
| Le Mars, IA | $148,900 | $724 | $500 | $1,030 | $530 |
| Kenneth, MN | $60,000 | $532 | $360 | $750 | $390 |