Gavop's guide to buying homeowners insurance in Bon Homme County, SD 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 | $31,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $78,500 | $70,000 | $75,000-$100,000 |
| 3 Bedroom | $70,500 | $70,000 | $50,000-$75,000 |
| 4 Bedroom | $110,000 | $100,000 | $100,000-$125,000 |
| 5 Bedroom | $180,000 | $160,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$131 | $557 |
| Superior Protection Discount | -$69 | $619 |
| Fire & Security Discount | -$62 | $625 |
| Hail Resistant Roof Discount | -$21 | $667 |
| Newly Constructed Home Discount | -$158 | $529 |
| 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 |
| Bon Homme County | $2,000 | $679 | $2,679 | $493 | $2,493 | $186 |
| Bon Homme County, SD | $2,500 | $679 | $3,179 | $493 | $2,993 | $186 |
| Lesterville, SD | $200 | $633 | $833 | $460 | $660 | $173 |
| North Frankfort, NE | $1,000 | $1,419 | $2,419 | $1,031 | $2,031 | $388 |
| Marindahl, SD | $500 | $1,005 | $1,505 | $730 | $1,230 | $275 |
| Freeman, SD | $2,500 | $711 | $3,211 | $517 | $3,017 | $194 |
| White Swan, SD | $100 | $761 | $861 | $553 | $653 | $208 |
| Douglas County, SD | $2,000 | $681 | $2,681 | $495 | $2,495 | $186 |
| Charles Mix County, SD | $300 | $642 | $942 | $466 | $766 | $175 |
| Clay County, SD | $700 | $800 | $1,500 | $581 | $1,281 | $219 |
| Verdigris, NE | $700 | $782 | $1,482 | $568 | $1,268 | $214 |
| Home Insurance Company Bon Homme County, SD | Homeowners Insurance Agency Bon Homme County, SD | Address | Popularity Score | Distance from Bon Homme County (miles) |
|---|---|---|---|---|
| Farmers | Kevin Carda | 2006 Locust St, Yankton, SD, 57078 | 25.5 | |
| State Farm | Mark Kasten | 362 S. Main St, Freeman, SD, 57029 | 33.9 | |
| State Farm | Becky Moore | 1204 S Burr St, Mitchell, SD, 57301-4578 | 49.7 | |
| Travelers | Frei Insurance Agency | 204 S Main St, Wagner, SD, 57380 | 21.6 | |
| Travelers | Frei Insurance Agency | 204 S Main, Wagner, SD, 57380 | 21.7 | |
| State Farm | Rhonda Wesseln | 1023 W 9th St, Yankton, SD, 57078-3390 | 25.3 | |
| State Farm | Mark Kasten | 180 N Main St, Parker, SD, 57053 | 47.3 | |
| Allstate | Randall Lakes Ins | 213 Main St, Lake Andes, SD, 57356 | 35.3 | |
| Allstate | Yankton Insurance | 1701 Broadway Ave, Yankton, SD, 57078 | 25.8 | |
| State Farm | Roy Wilcox | 200 W 4th St, Yankton, SD, 57078-4359 | 26.2 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| South Dakota | $152,700 | $984 | $660 | $1,390 | $730 |
| Bon Homme County, SD | $80,400 | $687 | $470 | $940 | $470 |
| Bon Homme County, SD | $80,400 | $687 | $470 | $950 | $480 |
| Lesterville, SD | $54,300 | $641 | $460 | $900 | $440 |
| North Frankfort, NE | $188,300 | $1,436 | $960 | $2,000 | $1,040 |
| Marindahl, SD | $163,000 | $1,017 | $690 | $1,400 | $710 |
| Freeman, SD | $75,100 | $720 | $520 | $1,020 | $500 |
| White Swan, SD | $88,900 | $770 | $530 | $1,070 | $540 |
| Douglas County, SD | $80,800 | $689 | $490 | $980 | $490 |
| Charles Mix County, SD | $89,900 | $649 | $470 | $920 | $450 |
| Clay County, SD | $146,400 | $810 | $590 | $1,110 | $520 |
| Verdigris, NE | $68,800 | $791 | $560 | $1,080 | $520 |