Gavop tells you how to get the best homeowners insurance in Polk County, MN by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $43,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $118,000 | $110,000 | $100,000-$125,000 |
| 3 Bedroom | $167,500 | $150,000 | $175,000-$200,000 |
| 4 Bedroom | $164,500 | $140,000 | $125,000-$150,000 |
| 5 Bedroom | $340,500 | $270,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$177 | $808 |
| Superior Protection Discount | -$89 | $897 |
| Fire & Security Discount | -$108 | $877 |
| Hail Resistant Roof Discount | -$30 | $956 |
| Newly Constructed Home Discount | -$207 | $779 |
| 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 |
| Polk County | $2,000 | $974 | $2,974 | $708 | $2,708 | $266 |
| Polk County, MN | $1,000 | $974 | $1,974 | $708 | $1,708 | $266 |
| Plummer, MN | $400 | $680 | $1,080 | $494 | $894 | $186 |
| Lockhart, MN | $700 | $683 | $1,383 | $496 | $1,196 | $187 |
| McIntosh, MN | $500 | $574 | $1,074 | $417 | $917 | $157 |
| Pennington County, MN | $2,000 | $785 | $2,785 | $571 | $2,571 | $215 |
| Fossum, MN | $400 | $1,073 | $1,473 | $780 | $1,180 | $293 |
| Hendrum, MN | $400 | $579 | $979 | $421 | $821 | $158 |
| Flom, MN | $2,000 | $687 | $2,687 | $499 | $2,499 | $188 |
| Home Insurance Company Polk County, MN | Homeowners Insurance Agency Polk County, MN | Address | Popularity Score | Distance from Polk County (miles) |
|---|---|---|---|---|
| State Farm | Jenny Langevin | 205 W Johnson Ave Ste 2, Warren, MN, 56762-1118 | 33.9 | |
| State Farm | Gary Belanus | 1010 Central Avenue Ne, East Grand Forks, MN, 56721-1612 | 30.9 | |
| State Farm | Courtney Pulkrabek | 210 N Broadway Ste 1, Crookston, MN, 56716-1724 | 9.6 | |
| State Farm | Jon Labraaten | 25 Clearwater Ave Sw, Bagley, MN, 56621-8318 | 49.9 | |
| State Farm | Andy Oman | 423 N Main St, Crookston, MN, 56716-3027 | 9.6 | |
| Allstate | Jim Dagg Ins Agy | 207 Horace Ave N, Thief River Falls, MN, 56701 | 25.9 | |
| State Farm | Sally Wolff | 1845 Highway 59 S Ste 300, Thief Rvr Fls, MN, 56701-4335 | 25.9 | |
| Travelers | Gary State Insurance Agency | 101 2nd Ave E, Gary, MN, 56545 | 28.5 | |
| Travelers | Kathleen Lenore Panek | 201 1/2 3rd Street W, Thief River Falls, MN, 56701 | 25.9 | |
| Travelers | Insurance Brokers Of Mn Inc | 308 E Main, Ada, MN, 56510 | 33.3 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Minnesota | $199,700 | $1,192 | $810 | $1,630 | $820 |
| Polk County, MN | $152,600 | $986 | $710 | $1,410 | $700 |
| Polk County, MN | $152,600 | $986 | $710 | $1,370 | $660 |
| Plummer, MN | $83,800 | $688 | $470 | $980 | $510 |
| Lockhart, MN | $84,400 | $691 | $470 | $950 | $480 |
| McIntosh, MN | $67,100 | $581 | $400 | $810 | $410 |
| Pennington County, MN | $133,300 | $795 | $540 | $1,100 | $560 |
| Fossum, MN | $168,100 | $1,086 | $780 | $1,540 | $760 |
| Hendrum, MN | $67,900 | $586 | $400 | $840 | $440 |
| Flom, MN | $85,000 | $695 | $490 | $990 | $500 |