Gavop's guide to buying homeowners insurance in Lake of the Woods 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.
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Newly Constructed Home | -$155 | $621 |
| 30 year old | +$12 | $788 |
| 40 year old | +$20 | $796 |
| 50 year old | +$29 | $806 |
| Above 50 year old | +$37 | $813 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$140 | $636 |
| Superior Protection Discount | -$70 | $706 |
| Fire & Security Discount | -$62 | $714 |
| Hail Resistant Roof Discount | -$23 | $753 |
| Newly Constructed Home Discount | -$155 | $621 |
| 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 |
| Lake of the Woods County | $700 | $767 | $1,467 | $557 | $1,257 | $210 |
| Lake of the Woods County, MN | $2,500 | $767 | $3,267 | $557 | $3,057 | $210 |
| Wabanica, MN | $200 | $1,071 | $1,271 | $778 | $978 | $293 |
| Myhre, MN | $700 | $591 | $1,291 | $429 | $1,129 | $161 |
| Cedarbend, MN | $2,500 | $800 | $3,300 | $582 | $3,082 | $219 |
| Steenerson, MN | $100 | $1,243 | $1,343 | $903 | $1,003 | $340 |
| Waskish, MN | $700 | $897 | $1,597 | $652 | $1,352 | $245 |
| Moose River, MN | $300 | $805 | $1,105 | $585 | $885 | $220 |
| Valley, MN | $2,000 | $1,027 | $3,027 | $746 | $2,746 | $281 |
| Dieter, MN | $200 | $867 | $1,067 | $630 | $830 | $237 |
| Home Insurance Company Lake of the Woods County, MN | Homeowners Insurance Agency Lake of the Woods County, MN | Address | Popularity Score | Distance from Lake of the Woods County (miles) |
|---|---|---|---|---|
| State Farm | Kelli Palmquist | 105 Main Ave N, Roseau, MN, 56751 | 39.5 | |
| Allstate | Agassiz Ins Group | 409 Lake Street Ne, Warroad, MN, 56763 | 21.1 | |
| Allstate | Agassiz Ins Group | P O Box 819 , Warroad, MN, 56763 | 21.4 | |
| Allstate | Thune Ins Net | 1083 3rd St Nw, Roseau, MN, 56751 | 40.3 | |
| State Farm | Kelli Palmquist | 105 Main Ave N, Roseau, MN, 56751-1026 | 39.5 | |
| State Farm | Kelli Palmquist | 309 Lake Street E., Warroad, MN, 56763 | 21.2 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Minnesota | $199,700 | $1,192 | $800 | $1,630 | $830 |
| Lake of the Woods County, MN | $128,400 | $776 | $560 | $1,070 | $510 |
| Lake of the Woods County, MN | $128,400 | $776 | $520 | $1,070 | $550 |
| Wabanica, MN | $167,600 | $1,084 | $790 | $1,500 | $710 |
| Myhre, MN | $69,600 | $598 | $430 | $830 | $400 |
| Cedarbend, MN | $105,300 | $810 | $550 | $1,150 | $600 |
| Steenerson, MN | $221,900 | $1,258 | $890 | $1,800 | $910 |
| Waskish, MN | $125,000 | $908 | $630 | $1,290 | $660 |
| Moose River, MN | $106,300 | $815 | $580 | $1,160 | $580 |
| Valley, MN | $155,600 | $1,039 | $760 | $1,460 | $700 |
| Dieter, MN | $118,800 | $878 | $630 | $1,210 | $580 |