How Can I Make My Fergus Falls, MN Home Insurance Cheaper

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.

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Select the Suitable Coverage Value for your Fergus Falls, MN Home | Back to Top

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

Estimate your Savings with Home Insurance Discounts in Fergus Falls, MN | Back to Top

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

Choose the Right Deductible for your Fergus Falls, MN Home | Back to Top

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

Identify Top Home Insurance Agents near Fergus Falls, MN | Back to Top

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

Compare Rates for Fergus Falls, MN Home Insurance Providers | Back to Top

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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