Gavop shows you how to buy homeowners insurance in Vernon County, WI 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 | $52,500 | $50,000 | $25,000-$50,000 |
| 2 Bedroom | $96,000 | $80,000 | $100,000-$125,000 |
| 3 Bedroom | $146,000 | $120,000 | $150,000-$175,000 |
| 4 Bedroom | $136,500 | $120,000 | $150,000-$175,000 |
| 5 Bedroom | $222,500 | $180,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$84 | $518 |
| Superior Protection Discount | -$60 | $542 |
| Fire & Security Discount | -$54 | $548 |
| Hail Resistant Roof Discount | -$18 | $585 |
| Newly Constructed Home Discount | -$157 | $446 |
| 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 |
| Vernon County | $2,500 | $595 | $3,095 | $433 | $2,933 | $163 |
| Vernon County, WI | $1,500 | $595 | $2,095 | $433 | $1,933 | $163 |
| Mount Sterling, WI | $500 | $455 | $955 | $331 | $831 | $124 |
| Ridgeville, WI | $700 | $688 | $1,388 | $500 | $1,200 | $188 |
| Bell Center, WI | $100 | $367 | $467 | $266 | $366 | $100 |
| De Soto, WI | $700 | $491 | $1,191 | $357 | $1,057 | $134 |
| Richwood, WI | $400 | $622 | $1,022 | $452 | $852 | $170 |
| Dakota, MN | $1,500 | $1,020 | $2,520 | $741 | $2,241 | $279 |
| New Lisbon, WI | $300 | $487 | $787 | $354 | $654 | $133 |
| Union Prairie, IA | $1,000 | $886 | $1,886 | $644 | $1,644 | $242 |
| Homer, MN | $200 | $1,272 | $1,472 | $924 | $1,124 | $347 |
| Little Grant, WI | $1,000 | $781 | $1,781 | $567 | $1,567 | $213 |
| Home Insurance Company Vernon County, WI | Homeowners Insurance Agency Vernon County, WI | Address | Popularity Score | Distance from Vernon County (miles) |
|---|---|---|---|---|
| Travelers | Townsend Insurance | 3629c Mormon Coulee Rd, La Crosse, WI, 54601 | 23.9 | |
| State Farm | Lou Mindar | 830 N Main St Ste B, Viroqua, WI, 54665-1177 | 4.4 | |
| Allstate | Mary Thompson | 2408 State Rd, La Crosse, WI, 54601 | 24.4 | |
| State Farm | Kyle Visker | 111 2nd St S, La Crosse, WI, 54601-3206 | 26.5 | |
| Travelers | Brechler Lendosky Group Llc | 950 Lincoln Avenue, Fennimore, WI, 53809 | 43.3 | |
| Farmers | Paul Pappas | 219 Main St, Onalaska, WI, 54650 | 28.7 | |
| Erie | Coulee Region Insurance & Financial | 917 4th Street S Suite 101, La Crosse, WI, 54601 | 26.0 | |
| Allstate | Et Inc Of Wisconsin | 197 S Main St, Richland Center, WI, 53581 | 28.3 | |
| Travelers | Kussmaul Insurance & Financial Services | 1130 S Marquette Road, Prairie Du Chien, WI, 53821 | 42.1 | |
| Erie | Richards Insurance Agency Llc | 24824 State Hwy 58, Richland Center, WI, 53581 | 32.3 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Wisconsin | $169,300 | $685 | $470 | $970 | $500 |
| Vernon County, WI | $148,900 | $603 | $430 | $830 | $400 |
| Vernon County, WI | $148,900 | $603 | $410 | $840 | $430 |
| Mount Sterling, WI | $81,700 | $461 | $320 | $630 | $310 |
| Ridgeville, WI | $175,900 | $696 | $510 | $1,000 | $490 |
| Bell Center, WI | $59,400 | $371 | $270 | $510 | $240 |
| De Soto, WI | $91,800 | $497 | $340 | $690 | $350 |
| Richwood, WI | $140,400 | $630 | $430 | $890 | $460 |
| Dakota, MN | $153,800 | $1,032 | $750 | $1,460 | $710 |
| New Lisbon, WI | $90,700 | $493 | $330 | $690 | $360 |
| Union Prairie, IA | $161,900 | $897 | $610 | $1,260 | $650 |
| Homer, MN | $231,700 | $1,287 | $890 | $1,840 | $950 |
| Little Grant, WI | $255,400 | $790 | $550 | $1,120 | $570 |