Gavop shows you how to buy homeowners insurance in McHenry County, ND 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 | $36,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $112,000 | $100,000 | $75,000-$100,000 |
| 3 Bedroom | $83,000 | $80,000 | $50,000-$75,000 |
| 4 Bedroom | $178,000 | $160,000 | $150,000-$175,000 |
| 5 Bedroom | $296,500 | $260,000 | $250,000-$300,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$63 | $722 |
| Home and Two Car | -$133 | $651 |
| Home and Three Car | -$196 | $588 |
| 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 |
| McHenry County | $2,500 | $775 | $3,275 | $563 | $3,063 | $212 |
| McHenry County, ND | $2,500 | $775 | $3,275 | $563 | $3,063 | $212 |
| Maryland, ND | $700 | $1,440 | $2,140 | $1,046 | $1,746 | $393 |
| Upham, ND | $100 | $503 | $603 | $365 | $465 | $137 |
| Spring Grove, ND | $1,500 | $748 | $2,248 | $544 | $2,044 | $204 |
| Bottineau, ND | $2,000 | $987 | $2,987 | $717 | $2,717 | $270 |
| Rice Lake, ND | $1,000 | $1,595 | $2,595 | $1,159 | $2,159 | $436 |
| Home Insurance Company McHenry County, ND | Homeowners Insurance Agency McHenry County, ND | Address | Popularity Score | Distance from McHenry County (miles) |
|---|---|---|---|---|
| State Farm | Jessica Declercq | 2151 36th Ave Sw Ste C, Minot, ND, 58701-7591 | 30.5 | |
| State Farm | Paul Siebert | 1125 N Broadway, Minot, ND, 58703-1323 | 30.6 | |
| State Farm | Kellie Thorman | 500 20th Ave Sw Ste B, Minot, ND, 58701-6492 | 30.8 | |
| Farmers | Lee Amon | 1408 20th Ave Sw Ste 4, Minot, ND, 58701 | 31.5 | |
| Allstate | Kim Albert Agency | 1401 11th Ave Sw Ste 2, Minot, ND, 58701 | 31.3 | |
| State Farm | Bryan Schweitzer | 115 11th St E Ste 1, Bottineau, ND, 58318-2034 | 41.5 | |
| Farmers | James Bierschbach | 811 S Broadway, Minot, ND, 58701 | 30.6 | |
| Allstate | Rolette Insur Agcy | 209 Main Street, Rolette, ND, 58366 | 46.7 | |
| Travelers | Kumm Insurance Agency | 101 N Main, Velva, ND, 58790 | 18.3 | |
| Travelers | First International Insurance | 1600 S Broadway, Minot, ND, 58702 | 30.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| North Dakota | $174,100 | $1,147 | $840 | $1,630 | $790 |
| McHenry County, ND | $116,700 | $785 | $560 | $1,110 | $550 |
| McHenry County, ND | $116,700 | $785 | $530 | $1,110 | $580 |
| Maryland, ND | $281,300 | $1,457 | $990 | $2,050 | $1,060 |
| Upham, ND | $34,300 | $509 | $350 | $710 | $360 |
| Spring Grove, ND | $78,300 | $757 | $510 | $1,050 | $540 |
| Bottineau, ND | $132,800 | $999 | $690 | $1,420 | $730 |
| Rice Lake, ND | $335,700 | $1,614 | $1,100 | $2,290 | $1,190 |