Gavop's guide to buying homeowners insurance in Cook County, MN 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.
| Cook County, MN - Neighbourhoods, Census Blocks & Streets | 2 Bedroom | 3 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Co Rd 6, W 9th Ave, 61, Happy Acres Dr, Forest Rte 1228, Loon Lake Rd, Boulder Blvd, 1st Ave W, Co Rd 12, Coyote Ridge | $142,000 | $120,000 | $125,000-$150,000 | $313,500 | $270,000 | $300,000-$350,000 |
| Co Rd 30, Wildwood Ln, Pinewood Dr, Sea Villa Loop, Caps Trl, Erickson Trl, Magney Ln, Ward Lake Rd, Casino Dr, Pike Lake Rd | $204,000 | $180,000 | $175,000-$200,000 | $243,000 | $210,000 | $200,000-$250,000 |
| Good Harbor Trl, Mill Rd, Rollins Ridge, Fall River Rd, Co Rd 7, Wisconsin St, Otter Lake Rd, S Bearskin Lk Rd, Forest Rte 307, Gauthier Rd | $161,500 | $140,000 | $150,000-$175,000 | $178,500 | $160,000 | $150,000-$175,000 |
| Mt Maude Trl, E 5th St, Division Rd, Solberg Ln, Forest Rte 158, Ryden Rd, Kelly's Hill, Mink Ranch Rd, Co Rd 16, Flute Reed Rd | $189,500 | $170,000 | $200,000-$250,000 | $319,000 | $270,000 | $300,000-$350,000 |
| Pine Tree Dr, Cook County 45, Maple Crst, 3rd Ave W, Cedar Ln, 2nd St, Rollins Creek Rd, Wesley Ln, Cliffhouse Rd, E 5th St | $216,000 | $180,000 | $175,000-$200,000 | $232,500 | $210,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$168 | $766 |
| Superior Protection Discount | -$93 | $841 |
| Fire & Security Discount | -$103 | $831 |
| Hail Resistant Roof Discount | -$19 | $916 |
| Newly Constructed Home Discount | -$243 | $691 |
| 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 |
| Cook County | $2,000 | $923 | $2,923 | $671 | $2,671 | $252 |
| Cook County, MN | $2,500 | $923 | $3,423 | $671 | $3,171 | $252 |
| Grand Marais, MN | $100 | $1,175 | $1,275 | $854 | $954 | $321 |
| Tofte, MN | $700 | $1,322 | $2,022 | $961 | $1,661 | $361 |
| East Cook, MN | $200 | $1,602 | $1,802 | $1,164 | $1,364 | $438 |
| Schroeder, MN | $2,500 | $1,155 | $3,655 | $839 | $3,339 | $316 |
| West Cook, MN | $500 | $1,353 | $1,853 | $983 | $1,483 | $370 |
| Crystal Bay, MN | $200 | $1,014 | $1,214 | $737 | $937 | $277 |
| La Pointe, WI | $1,000 | $727 | $1,727 | $528 | $1,528 | $199 |
| Finland, MN | $400 | $994 | $1,394 | $722 | $1,122 | $272 |
| Silver Bay, MN | $1,000 | $745 | $1,745 | $541 | $1,541 | $204 |
| Home Insurance Company Cook County, MN | Homeowners Insurance Agency Cook County, MN | Address | Popularity Score | Distance from Cook County (miles) |
|---|---|---|---|---|
| State Farm | Jeff Berquist | 27a Shopping Ctr, Silver Bay, MN, 55614-1148 | 49.0 | |
| Allstate | Security State Ins. | 6 West Wisconsin Street, Gran Marais, MN, 55604 | 14.7 | |
| Allstate | Security State Ins. | P O Box 789 , Grand Marais, MN, 55604 | 34.7 | |
| Travelers | Norshor Agency Inc | 98 Outer Dr, Silver Bay, MN, 55614 | 49.4 |
| 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 |
| Cook County, MN | $241,400 | $934 | $630 | $1,280 | $650 |
| Cook County, MN | $241,400 | $934 | $640 | $1,320 | $680 |
| Grand Marais, MN | $198,700 | $1,189 | $810 | $1,640 | $830 |
| Tofte, MN | $250,000 | $1,338 | $910 | $1,900 | $990 |
| East Cook, MN | $343,800 | $1,621 | $1,150 | $2,240 | $1,090 |
| Schroeder, MN | $192,600 | $1,169 | $840 | $1,620 | $780 |
| West Cook, MN | $261,500 | $1,369 | $930 | $1,960 | $1,030 |
| Crystal Bay, MN | $152,400 | $1,026 | $690 | $1,460 | $770 |
| La Pointe, WI | $204,500 | $736 | $520 | $1,050 | $530 |
| Finland, MN | $147,500 | $1,006 | $730 | $1,440 | $710 |
| Silver Bay, MN | $95,100 | $754 | $550 | $1,040 | $490 |