Gavop shows you how to buy homeowners insurance in Brainerd, MN by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Brainerd, 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 | |
| Twp Rd 204, Nelson Rd, Lakeview Cir SE, Chestnut Cir NE, SW 4th St, Co Hwy 27, Cross St, S Tame Fish Lake Rd NE, Cinosam Pines St, Racine Rd | $198,000 | $180,000 | $175,000-$200,000 | $216,500 | $200,000 | $200,000-$250,000 |
| Cole Ave, Savire Ln, Emily Rd N, Pine Hurst Rd SE, Knotty Pine Dr, Twin Island Dr, Echo Bay Rd, Lone Oak Dr, Woodchuck Ln, 8th Ave NE | $180,500 | $160,000 | $200,000-$250,000 | $155,500 | $140,000 | $150,000-$175,000 |
| Jordan Rd, Andberg Way, Berrywood Dr, Cinosam Oaks Rd, Paine Ave NW, Tysk Rd, Medford Rd, Justin Ln, Aspen Dr S, Co Rd 23 SE | $216,000 | $200,000 | $200,000-$250,000 | $243,000 | $210,000 | $200,000-$250,000 |
| St Mathias Rd, Shady Lane Cir NW, 5 Mi Rd NE, Estate Dr SW, Browns Ln N, Co Rd 9 SE, Fountain Rd, Eaglewood Dr, Dickey Rd, Eagle Lake Rd | $171,000 | $140,000 | $150,000-$175,000 | $183,000 | $150,000 | $150,000-$175,000 |
| Town Hall St, S 6th St, Sandy Beach Rd, 55 Ave NE, Austin D D, Crow Wing Lake Ln, Demery Rd, NW 9th St, N Killian Rd, Lookout Rd | $110,500 | $100,000 | $100,000-$125,000 | $192,000 | $170,000 | $175,000-$200,000 |
| Kirkwood Dr N, Tuxedo Rd, Shady Nook Rd SW, Oak St NW, Co Rd 77 NW, Wicklund Rd SE, Canyon Creek Rd, Paradise Beach Trl SE, Ojibwa Rd N, 4th Ave NE | $216,000 | $190,000 | $200,000-$250,000 | $210,500 | $170,000 | $200,000-$250,000 |
| S 4th St, Washington St NE, Breilly Ct, N 8th St, Taylor Rd, Hassman Dr, Glacier Rd, Katrine Dr NE, Haley Cir, Campground Rd | $189,000 | $180,000 | $150,000-$175,000 | $185,000 | $150,000 | $125,000-$150,000 |
| Brian Ln, 11th St SE, White Pine Dr N, Placid Dr, Red Sand Lk Rd NW, Birch Grove Rd, Anne Lake Rd, Ronald St, Leisure Ln, Fairfield Ln | $100,000 | $90,000 | $75,000-$100,000 | $218,000 | $190,000 | $175,000-$200,000 |
| Merri Ln, Eagleview Dr NE, Ironwood Dr S, Dewes Rd N, Co Rd 148, Tamarac Trl NE, Co Rd 23, Brentwood Ln, Forest Dr N, Unrd 2 | $121,000 | $100,000 | $100,000-$125,000 | $161,500 | $140,000 | $150,000-$175,000 |
| Nokasippi Rv Rd SE, Shady Ln Cir NW, Tanager Dr, Thompson Rd SE, Lucky Ln, Q St NE, Chicago Ave SE, Beaver Dam Rd, Mississippi Shores Cir, 25th St | $149,000 | $120,000 | $150,000-$175,000 | $169,000 | $140,000 | $125,000-$150,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$112 | $591 |
| Superior Protection Discount | -$70 | $633 |
| Fire & Security Discount | -$63 | $640 |
| Hail Resistant Roof Discount | -$14 | $689 |
| Newly Constructed Home Discount | -$141 | $562 |
| 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 |
| Crow Wing County | $1,500 | $1,061 | $2,561 | $771 | $2,271 | $290 |
| Brainerd, MN | $700 | $695 | $1,395 | $505 | $1,205 | $190 |
| Ironton, MN | $500 | $706 | $1,206 | $513 | $1,013 | $193 |
| Cuyuna, MN | $1,500 | $1,135 | $2,635 | $825 | $2,325 | $310 |
| Genola, MN | $300 | $867 | $1,167 | $630 | $930 | $237 |
| Staples, MN | $700 | $669 | $1,369 | $486 | $1,186 | $183 |
| Onamia, MN | $100 | $732 | $832 | $532 | $632 | $200 |
| Bruce, MN | $700 | $1,076 | $1,776 | $782 | $1,482 | $294 |
| McKinley, MN | $400 | $929 | $1,329 | $675 | $1,075 | $254 |
| Long Prairie, MN | $2,000 | $700 | $2,700 | $509 | $2,509 | $191 |
| White Pine, MN | $400 | $1,005 | $1,405 | $730 | $1,130 | $275 |
| Foley, MN | $1,000 | $940 | $1,940 | $683 | $1,683 | $257 |
| Home Insurance Company Brainerd, MN | Homeowners Insurance Agency Brainerd, MN | Address | Popularity Score | Distance from Brainerd (miles) |
|---|---|---|---|---|
| State Farm | Brett Laugen | 13341 Cypress Dr Ste 102, Baxter, MN, 56425-8546 | 1.8 | |
| State Farm | Jake Brandt | 525 Washington St, Brainerd, MN, 56401-3307 | 0.2 | |
| State Farm | Kendra Delage | 234 Central Ave, Long Prairie, MN, 56347-1303 | 41.3 | |
| State Farm | Lori Kush | 15594 Highway 27 Ste 1, Little Falls, MN, 56345-6625 | 27.0 | |
| Allstate | Insurance Brokers Of Mn | 43 E Broadway Ste 101, Little Falls, MN, 56345 | 27.3 | |
| Travelers | Insurance Brokers Of Mn | 31061 Front St, Pequot Lakes, MN, 56472 | 18.0 | |
| Farmers | Scott Parsons | 608 Kingwood St, Brainerd, MN, 56401 | 0.3 | |
| Farmers | Marty Johnson | 11284 State Highway 210, Brainerd, MN, 56401 | 2.0 | |
| State Farm | Tom Good | 812 4th St Ne, Staples, MN, 56479-0159 | 28.5 | |
| Travelers | Ebner Insurance | 20 Jefferson St S, Wadena, MN, 56482 | 45.2 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Minnesota | $199,700 | $1,192 | $820 | $1,660 | $840 |
| Crow Wing County, MN | $188,100 | $1,074 | $780 | $1,540 | $760 |
| Brainerd, MN | $110,400 | $703 | $490 | $960 | $470 |
| Ironton, MN | $88,300 | $715 | $520 | $980 | $460 |
| Cuyuna, MN | $186,500 | $1,149 | $820 | $1,590 | $770 |
| Genola, MN | $118,800 | $878 | $640 | $1,240 | $600 |
| Staples, MN | $82,100 | $677 | $450 | $950 | $500 |
| Onamia, MN | $92,800 | $741 | $510 | $1,040 | $530 |
| Bruce, MN | $169,100 | $1,089 | $780 | $1,550 | $770 |
| McKinley, MN | $131,900 | $940 | $650 | $1,290 | $640 |
| Long Prairie, MN | $87,300 | $709 | $500 | $1,010 | $510 |
| White Pine, MN | $150,000 | $1,017 | $690 | $1,390 | $700 |
| Foley, MN | $134,500 | $951 | $650 | $1,350 | $700 |