Gavop tells you how to get the best homeowners insurance in Hermantown, MN by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $66,500 | $60,000 | $50,000-$75,000 |
| 2 Bedroom | $162,500 | $150,000 | $150,000-$175,000 |
| 3 Bedroom | $128,500 | $120,000 | $100,000-$125,000 |
| 4 Bedroom | $218,000 | $210,000 | $200,000-$250,000 |
| 5 Bedroom | $186,000 | $160,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$143 | $751 |
| Superior Protection Discount | -$80 | $814 |
| Fire & Security Discount | -$80 | $814 |
| Hail Resistant Roof Discount | -$27 | $868 |
| Newly Constructed Home Discount | -$224 | $671 |
| 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 |
| St. Louis County | $1,500 | $951 | $2,451 | $691 | $2,191 | $260 |
| Hermantown, MN | $2,500 | $884 | $3,384 | $642 | $3,142 | $241 |
| Rice Lake, MN | $400 | $1,082 | $1,482 | $786 | $1,186 | $296 |
| Lakewood, MN | $700 | $1,408 | $2,108 | $1,023 | $1,723 | $385 |
| Holyoke, MN | $200 | $1,048 | $1,248 | $762 | $962 | $286 |
| Cotton, MN | $2,500 | $1,046 | $3,546 | $760 | $3,260 | $286 |
| Fine Lakes, MN | $500 | $1,097 | $1,597 | $797 | $1,297 | $300 |
| Two Harbors, MN | $700 | $969 | $1,669 | $704 | $1,404 | $265 |
| Toivola, MN | $200 | $759 | $959 | $551 | $751 | $207 |
| Colvin, MN | $1,000 | $835 | $1,835 | $607 | $1,607 | $228 |
| Turner, MN | $400 | $1,097 | $1,497 | $797 | $1,197 | $300 |
| Clover, WI | $1,000 | $674 | $1,674 | $490 | $1,490 | $184 |
| Home Insurance Company Hermantown, MN | Homeowners Insurance Agency Hermantown, MN | Address | Popularity Score | Distance from Hermantown (miles) |
|---|---|---|---|---|
| Travelers | Spirit Valley Agency | 31 North 21st Ave West, Duluth, MN, 55806 | 6.2 | |
| Farmers | Bonnie J Perkins | 738 E Superior St, Duluth, MN, 55802 | 7.3 | |
| Liberty Mutual Independent | Twin Ports Insurance | 405 E Superior St Ste 150, Duluth, MN, 55802 | 7.1 | |
| Travelers | Insurance Brokers Of Mn | 4850 Miller Trunk Hwy Duluth, Hermantown, MN, 55811 | 2.7 | |
| Farmers | Patrick Shelton | 4929 Matterhorn Dr Ste C2, Duluth, MN, 55811 | 3.4 | |
| Travelers | Cartier Agency Inc | 2631 W Superior St, Duluth, MN, 55806 | 6.1 | |
| Liberty Mutual Independent | Twin Ports Insurance | 405 East Superior St, Ste 150, Duluth, MN, 55802 | 7.1 | |
| State Farm | Cory Fairchild | 2014 London Rd, Duluth, MN, 55812-2125 | 8.1 | |
| Travelers | Ahrens Insurance Agency | 11 N Main, Aurora, MN, 55705 | 49.8 | |
| State Farm | Lori Pietsch | 6630 Grand Ave Ste 105, Duluth, MN, 55807-2235 | 6.0 |
| 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 | $1,660 | $840 |
| St. Louis County, MN | $146,700 | $963 | $650 | $1,360 | $710 |
| Hermantown, MN | $221,800 | $894 | $640 | $1,260 | $620 |
| Rice Lake, MN | $170,800 | $1,095 | $780 | $1,570 | $790 |
| Lakewood, MN | $281,400 | $1,425 | $1,040 | $1,950 | $910 |
| Holyoke, MN | $161,300 | $1,061 | $760 | $1,470 | $710 |
| Cotton, MN | $160,800 | $1,059 | $750 | $1,460 | $710 |
| Fine Lakes, MN | $175,000 | $1,110 | $770 | $1,580 | $810 |
| Two Harbors, MN | $141,400 | $981 | $700 | $1,360 | $660 |
| Toivola, MN | $97,500 | $768 | $550 | $1,060 | $510 |
| Colvin, MN | $112,000 | $845 | $610 | $1,200 | $590 |
| Turner, MN | $175,000 | $1,110 | $740 | $1,570 | $830 |
| Clover, WI | $167,100 | $682 | $460 | $940 | $480 |