Gavop's guide to buying homeowners insurance in Lower Red Lake, 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.
| Lower Red Lake, MN - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Stoner Memorial Dr NE, W End Rd, Potato Ln NW, Forestry Dr, Big D Dr, Silent Water Rd NE, Pine Ln, Jaw Chumo Kuna, Cornell Rd NE, Strand Rd NW | $171,000 | $160,000 | $175,000-$200,000 | $155,500 | $130,000 | $125,000-$150,000 |
| Trails End Rd NE, Knutson Rd NW, Thorhult Rd NW, Resvn Hwy 25, Heavenly Dr NW, Brooks Rd NE, Sharp Rock Rd NE, Mockingbird Ln NE, Co Rd 39, Ogemah Ave | $150,500 | $130,000 | $125,000-$150,000 | $137,500 | $120,000 | $100,000-$125,000 |
| Jawchuma Rd, Loop Dr NW, Beighley Rd NE, Loberg Rd NW, Teddy Rd NW, Red Maple Rd NW, Lois Ln NW, Ogemah Ave Rdby, Co Rd 15, Thunder Rd | $146,000 | $120,000 | $125,000-$150,000 | $83,500 | $70,000 | $75,000-$100,000 |
| Cook Ave NE, Keota Ave Rdby, Jack Pine Dr, Morris Ave NW, Green Lake Rd, Sprucewood Ln NE, 2nd St NE, Hornet Rd NE, 1st St W, Irvine Ave NE | $122,000 | $110,000 | $100,000-$125,000 | $98,000 | $90,000 | $75,000-$100,000 |
| Wernberg Rd NE, Buckhorn Rd NE, Hines Rd NE, Ten Mile Dr NW, Main St N, Bears Loop, Resvn Hwy 40, Main St NE, Goose Berry Trl, Bemidji Rd NE | $207,000 | $190,000 | $200,000-$250,000 | $159,000 | $140,000 | $175,000-$200,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$89 | $902 |
| Home and Two Car | -$169 | $823 |
| Home and Three Car | -$238 | $754 |
| 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 |
| Beltrami County | $1,500 | $976 | $2,476 | $709 | $2,209 | $267 |
| Lower Red Lake, MN | $1,000 | $980 | $1,980 | $712 | $1,712 | $268 |
| Durand, MN | $400 | $1,370 | $1,770 | $996 | $1,396 | $374 |
| Turtle River, MN | $2,500 | $1,250 | $3,750 | $908 | $3,408 | $342 |
| Nore, MN | $100 | $1,052 | $1,152 | $765 | $865 | $288 |
| Trail, MN | $700 | $368 | $1,068 | $267 | $967 | $100 |
| Fosston, MN | $500 | $789 | $1,289 | $574 | $1,074 | $216 |
| Goodridge, MN | $1,500 | $569 | $2,069 | $414 | $1,914 | $156 |
| Grattan, MN | $400 | $952 | $1,352 | $692 | $1,092 | $260 |
| Gregory, MN | $2,000 | $672 | $2,672 | $488 | $2,488 | $184 |
| Home Insurance Company Lower Red Lake, MN | Homeowners Insurance Agency Lower Red Lake, MN | Address | Popularity Score | Distance from Lower Red Lake (miles) |
|---|---|---|---|---|
| State Farm | Jake Bluhm | 512 Beltrami Ave Nw, Bemidji, MN, 56601-3010 | 28.5 | |
| Allstate | Dale Schmidt Agency | 8322 Balsam Rd Nw, Bemidji, MN, 56601 | 24.3 | |
| Travelers | Insurance Brokers Of Mn Inc | 1008 Paul Bunyan Dr Nw 5, Bemidji, MN, 55303 | 27.1 | |
| Allstate | Insure Forward | 700 Paul Bunyan Dr Nw, Bemidji, MN, 56601 | 27.2 | |
| State Farm | Jon Labraaten | 25 Clearwater Ave Sw, Bagley, MN, 56621-8318 | 31.3 | |
| State Farm | Mark Gazelka | 1709 P Bunyan Dr Nw, Bemidji, MN, 56601-4149 | 26.9 | |
| Travelers | Pine Country Insurance Agency | 507 Beltrami Ave Nw, Bemidji, MN, 56601 | 28.5 | |
| Allstate | Insure Forward | 700 Paul Bunyan Dr Nw, Bemidji, MN, 56601 | 27.2 | |
| Travelers | Pine Country Insurance Agency | 507 Beltrami Ave Nw Downtown Across From Kb101, Next To Miller Mcdonald, Bemidji, MN, 56601 | 28.5 | |
| Allstate | Insurance Brokers Of Mn - Bermidji | 1008 Paul Bunyan Dr Nw Ste 5, Bemidji, MN, 56601 | 27.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Minnesota | $199,700 | $1,192 | $810 | $1,660 | $850 |
| Beltrami County, MN | $153,100 | $988 | $660 | $1,390 | $730 |
| Lower Red Lake, MN | $62,000 | $992 | $660 | $1,410 | $750 |
| Durand, MN | $267,900 | $1,387 | $940 | $1,960 | $1,020 |
| Turtle River, MN | $224,000 | $1,265 | $920 | $1,730 | $810 |
| Nore, MN | $162,500 | $1,065 | $770 | $1,510 | $740 |
| Trail, MN | $38,800 | $372 | $250 | $530 | $280 |
| Fosston, MN | $103,200 | $799 | $550 | $1,110 | $560 |
| Goodridge, MN | $66,400 | $576 | $390 | $800 | $410 |
| Grattan, MN | $137,500 | $964 | $670 | $1,320 | $650 |
| Gregory, MN | $82,500 | $680 | $490 | $960 | $470 |