Gavop tells you how to get the best homeowners insurance in Watertown, SD by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
| Watertown, SD - 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 | |
| Osprey Dr NW, 34th St SW, Mickelson Dr, Codington County 27, Csd Hwy 20, 1st St NW, Co 17, 173rd St, 43rd St SE, S Broadway | $82,500 | $70,000 | $75,000-$100,000 | $68,000 | $60,000 | $75,000-$100,000 |
| 455th Ave, Co Rd 3 5/10, 12th Ave NE, 20th Ave SW, Cryatal Ct, Co Rd 9 5/10, Williams Dr, 161st St, 20th St NW, 14th Ave NE | $151,000 | $130,000 | $150,000-$175,000 | $72,000 | $60,000 | $50,000-$75,000 |
| 3rd Ave NE, 6th St NW, 18th St SW, Sunrise Dr, Thorson Ave, 453rd St, St Joseph St NW, 2nd Ave SE, 38th Ave NE, Oakwood Rd | $106,500 | $90,000 | $100,000-$125,000 | $90,500 | $80,000 | $75,000-$100,000 |
| 13th St NE, Co Rd 2 2/10, 167th St, S Dakota Hwy 139, 9th St NE, 21st St NE, 4th Ave SE, 3rd Ave NW, 165th St, 155th St | $161,000 | $140,000 | $125,000-$150,000 | $140,000 | $120,000 | $125,000-$150,000 |
| 464th Ave, 19th St NE, 2nd St NE, Cherry Dr NE, 10th St SW, 14th St W, Co Rd 23 3/10, S Lake Dr, 12th Ave Dr S, 175th St | $160,000 | $140,000 | $150,000-$175,000 | $127,000 | $120,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$127 | $721 |
| Superior Protection Discount | -$76 | $772 |
| Fire & Security Discount | -$68 | $781 |
| Hail Resistant Roof Discount | -$25 | $823 |
| Newly Constructed Home Discount | -$238 | $611 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,854 |
| Physical Damage | $2,537 |
| Hail Damage | $4,618 |
| Wind Damage | $6,560 |
| Expensive Claims | |
| Fire | $43,782 |
| Smoke | $16,887 |
| Home Insurance Company Watertown, SD | Homeowners Insurance Agency Watertown, SD | Address | Popularity Score | Distance from Watertown (miles) |
|---|---|---|---|---|
| State Farm | Kathy Witte-Holmes | 314 4th St Ne, Watertown, SD, 57201-2620 | 2.4 | |
| State Farm | Steve Gales | 101 19th St Ne, Watertown, SD, 57201-2823 | 3.5 | |
| State Farm | Paul Kruse | 511 6th St, Brookings, SD, 57006-1436 | 44.9 | |
| State Farm | Ken Sinner | 600 5th St Se, Watertown, SD, 57201-4915 | 2.6 | |
| Farmers | Pat Shriver | 1505 9th Ave Se Ste B, Watertown, SD, 57201 | 3.4 | |
| State Farm | Harry Mansheim | 511 Main Avenue, Brookings, SD, 57006-0439 | 44.9 | |
| Travelers | Deuel County Natl Bank Ins | 305 4th St W Deuel Cnty Natl Bank, Clear Lake, SD, 57226 | 25.8 | |
| Farmers | Heather Storm | 204 S Main St Ste D, Milbank, SD, 57252 | 33.3 | |
| Travelers | Arlington Insurance Agency | 128 S Main, Arlington, SD, 57212 | 37.6 | |
| State Farm | Kathy Witte-Holmes Clu, Lutcf, Chfc | 314 4th Street Ne, Watertown, SD, 57201-0774 | 2.4 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| South Dakota | $152,700 | $984 | $700 | $1,350 | $650 |
| Codington County, SD | $166,500 | $863 | $620 | $1,190 | $570 |
| Watertown, SD | $161,000 | $848 | $570 | $1,180 | $610 |
| Pelican, SD | $324,300 | $1,522 | $1,080 | $2,100 | $1,020 |
| Fuller, SD | $252,800 | $1,292 | $920 | $1,800 | $880 |
| Deuel County, SD | $112,700 | $717 | $520 | $990 | $470 |
| Collins, SD | $88,300 | $768 | $520 | $1,070 | $550 |
| Denver, SD | $220,500 | $1,193 | $810 | $1,650 | $840 |
| Bancroft, SD | $43,300 | $597 | $400 | $820 | $420 |
| Hammer, MN | $125,000 | $908 | $610 | $1,280 | $670 |
| Bellingham, MN | $57,800 | $516 | $380 | $740 | $360 |