Gavop's guide to buying homeowners insurance in Wahpeton, ND 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $43,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $76,500 | $70,000 | $50,000-$75,000 |
| 3 Bedroom | $112,500 | $90,000 | $100,000-$125,000 |
| 4 Bedroom | $137,500 | $120,000 | $150,000-$175,000 |
| 5 Bedroom | $296,500 | $270,000 | $250,000-$300,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$62 | $708 |
| Home and Two Car | -$123 | $646 |
| Home and Three Car | -$185 | $585 |
| 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 |
| Richland County | $2,500 | $773 | $3,273 | $562 | $3,062 | $211 |
| Wahpeton, ND | $2,500 | $760 | $3,260 | $552 | $3,052 | $208 |
| Waldo, ND | $300 | $869 | $1,169 | $632 | $932 | $238 |
| Duerr, ND | $1,000 | $739 | $1,739 | $537 | $1,537 | $202 |
| Elmwood, MN | $100 | $1,143 | $1,243 | $831 | $931 | $312 |
| Herman, ND | $1,000 | $570 | $1,570 | $414 | $1,414 | $156 |
| Maine, MN | $200 | $1,291 | $1,491 | $938 | $1,138 | $353 |
| Croke, MN | $2,500 | $709 | $3,209 | $516 | $3,016 | $194 |
| Veblen, SD | $100 | $533 | $633 | $387 | $487 | $146 |
| Leonardsville, MN | $1,500 | $704 | $2,204 | $512 | $2,012 | $193 |
| Lake View, MN | $300 | $1,326 | $1,626 | $964 | $1,264 | $362 |
| Highland Grove, MN | $1,000 | $1,164 | $2,164 | $846 | $1,846 | $318 |
| Home Insurance Company Wahpeton, ND | Homeowners Insurance Agency Wahpeton, ND | Address | Popularity Score | Distance from Wahpeton (miles) |
|---|---|---|---|---|
| State Farm | Jay Bartley | 3175 Sienna Dr S Ste 102, Fargo, ND, 58104-8910 | 40.5 | |
| State Farm | Renee Forde | 1202 23rd Street S, Fargo, ND, 58103-2951 | 42.0 | |
| Allstate | Corwin Insurance Agency | 222 40th St S, Fargo, ND, 58103 | 43.0 | |
| Liberty Mutual Independent | Tci Insurance | 158 W Beaton Dr Ste 100, West Fargo, ND, 58078 | 42.2 | |
| Travelers | Fmi Inc | 428 25th St S, Fargo, ND, 58103 | 42.5 | |
| Allstate | The Stocking Agency | 1404 33rd St S Ste E, Fargo, ND, 58103 | 41.9 | |
| State Farm | Thomas Jefferson | 3330 Fiechtner Dr S Ste 110, Fargo, ND, 58103-2321 | 42.2 | |
| Farmers | Loy Larson | 1815niversity Dr S, Fargo, ND, 58103 | 41.0 | |
| Liberty Mutual Independent | Tci Insurance | 158 W Beaton Drive West Fargo, West Fargo, ND, 58078 | 42.2 | |
| Liberty Mutual Independent | Warner And Company | 318 Broadway N, Fargo, ND, 58102 | 42.8 |
| 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 | $790 | $1,640 | $850 |
| Richland County, ND | $116,000 | $782 | $530 | $1,110 | $580 |
| Wahpeton, ND | $112,300 | $769 | $560 | $1,050 | $490 |
| Waldo, ND | $104,200 | $880 | $620 | $1,260 | $640 |
| Duerr, ND | $76,500 | $748 | $500 | $1,040 | $540 |
| Elmwood, MN | $188,800 | $1,157 | $820 | $1,600 | $780 |
| Herman, ND | $45,500 | $577 | $390 | $820 | $430 |
| Maine, MN | $239,100 | $1,307 | $930 | $1,860 | $930 |
| Croke, MN | $88,800 | $718 | $510 | $1,000 | $490 |
| Veblen, SD | $29,100 | $539 | $390 | $760 | $370 |
| Leonardsville, MN | $88,000 | $713 | $510 | $990 | $480 |
| Lake View, MN | $251,500 | $1,342 | $930 | $1,870 | $940 |
| Highland Grove, MN | $195,200 | $1,178 | $850 | $1,640 | $790 |