Gavop's guide to buying homeowners insurance in Fergus Falls, 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $44,000 | $40,000 | $50,000-$75,000 |
| 2 Bedroom | $65,500 | $60,000 | $50,000-$75,000 |
| 3 Bedroom | $122,500 | $100,000 | $125,000-$150,000 |
| 4 Bedroom | $161,000 | $140,000 | $125,000-$150,000 |
| 5 Bedroom | $237,500 | $190,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$120 | $629 |
| Superior Protection Discount | -$67 | $681 |
| Fire & Security Discount | -$52 | $696 |
| Hail Resistant Roof Discount | -$15 | $733 |
| Newly Constructed Home Discount | -$180 | $569 |
| 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 |
| Otter Tail County | $1,000 | $1,007 | $2,007 | $732 | $1,732 | $275 |
| Fergus Falls, MN | $2,000 | $739 | $2,739 | $537 | $2,537 | $202 |
| Elizabeth, MN | $300 | $1,372 | $1,672 | $997 | $1,297 | $375 |
| Scambler, MN | $1,000 | $1,518 | $2,518 | $1,103 | $2,103 | $415 |
| Brandenburg, ND | $200 | $1,009 | $1,209 | $733 | $933 | $276 |
| Elkton, MN | $1,000 | $1,201 | $2,201 | $873 | $1,873 | $328 |
| Audubon, MN | $200 | $867 | $1,067 | $630 | $830 | $237 |
| Eglon, MN | $700 | $1,301 | $2,001 | $946 | $1,646 | $356 |
| Elmwood, MN | $300 | $1,143 | $1,443 | $831 | $1,131 | $312 |
| Hankinson, ND | $1,000 | $631 | $1,631 | $459 | $1,459 | $173 |
| Brightwood, ND | $500 | $1,412 | $1,912 | $1,026 | $1,526 | $386 |
| Reno, MN | $2,000 | $1,453 | $3,453 | $1,056 | $3,056 | $397 |
| Home Insurance Company Fergus Falls, MN | Homeowners Insurance Agency Fergus Falls, MN | Address | Popularity Score | Distance from Fergus Falls (miles) |
|---|---|---|---|---|
| Travelers | Rentz Agency Inc | 517 Atlantic Ave, Morris, MN, 56267 | 49.6 | |
| Allstate | Billmarks Lakes Area Insurance Inc | 913 Broadway St, Alexandria, MN, 56308 | 43.6 | |
| State Farm | Paul Letendre | 714 Atlantic Ave Ste 6, Morris, MN, 56267-1191 | 49.7 | |
| Allstate | Rohde Insurance Services | 1213 N Union Ave, Fergus Falls, MN, 56537 | 0.8 | |
| Travelers | Ebner Insurance | 20 Jefferson St S, Wadena, MN, 56482 | 46.2 | |
| State Farm | Mike Gail | 1602 Broadway, Wheaton, MN, 56296-1053 | 39.1 | |
| State Farm | Shawn Frank | 21566 State Hwy 78, Battle Lake, MN, 56515-0237 | 17.4 | |
| State Farm | Dwain Schuette | 1306 Broadway St, Alexandria, MN, 56308-2534 | 43.8 | |
| State Farm | Keith Inwards | 710 Washington Ave, Detroit Lakes, MN, 56501-3012 | 38.5 | |
| State Farm | Brenda Fischer | 29 Central Ave N, Elbow Lake, MN, 56531 | 20.8 |
| 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 | $1,690 | $870 |
| Otter Tail County, MN | $170,900 | $1,019 | $690 | $1,410 | $720 |
| Fergus Falls, MN | $121,300 | $748 | $500 | $1,060 | $560 |
| Elizabeth, MN | $268,500 | $1,389 | $930 | $1,900 | $970 |
| Scambler, MN | $318,600 | $1,536 | $1,120 | $2,140 | $1,020 |
| Brandenburg, ND | $138,400 | $1,021 | $740 | $1,460 | $720 |
| Elkton, MN | $207,700 | $1,216 | $830 | $1,680 | $850 |
| Audubon, MN | $118,800 | $878 | $630 | $1,200 | $570 |
| Eglon, MN | $242,500 | $1,317 | $880 | $1,800 | $920 |
| Elmwood, MN | $188,800 | $1,157 | $800 | $1,610 | $810 |
| Hankinson, ND | $56,100 | $639 | $430 | $910 | $480 |
| Brightwood, ND | $271,200 | $1,429 | $990 | $2,010 | $1,020 |
| Reno, MN | $297,500 | $1,471 | $990 | $2,040 | $1,050 |