Gavop shows you how to buy homeowners insurance in Otter Tail County, MN by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Otter Tail County, MN - 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 | |
| 4 1/2 Ave NW, Girard Beach Rd, Twp Rd 1182, Mar Tee Beach Rd, Parkdale Beach Rd, Lake Ave, S Union Ave, W Main Ave, E Soo St, Co Hwy 119 | $142,500 | $130,000 | $150,000-$175,000 | $196,000 | $170,000 | $175,000-$200,000 |
| E Washington Ave, Cedar Point Ln, Co Rd 130, 8th Ave SE, Cty Hwy 50, Maplehurst Dr, W Stalker Rd, Lutheran Island Camp Rd, Wodeno Ln, S Lake Olaf Rd | $116,000 | $100,000 | $75,000-$100,000 | $84,500 | $80,000 | $75,000-$100,000 |
| Kolstad Rd, 220th St, 375 St, Paler Rd, Bankers Ln, Swan View Rd, E Jewett Dr, 130th St, Co Rd 5, Heartland Rd | $108,000 | $90,000 | $75,000-$100,000 | $68,500 | $60,000 | $50,000-$75,000 |
| Breuer Ave, Co Rd 12, Bald Eagle Loop, Broadwater Dr, 485th Ave, N Main St, River Pointe Trl, Main Ave E, 267th Ave, Friberg Ave | $132,500 | $120,000 | $100,000-$125,000 | $134,500 | $120,000 | $125,000-$150,000 |
| Pleasant View Ln, W Church St, Crystal Hills Ln, 225th St, 248th Ave, 130th St, 539th Ave, 180th St, Co Rd 67, 155th Ave | $152,000 | $140,000 | $150,000-$175,000 | $173,000 | $150,000 | $125,000-$150,000 |
| Lund St, Whitetail Ln, Red Oak Ln, 2nd St S, S 5th Ave, 506th St, 113th St, 245th St, 428th St, 185th St | $164,500 | $150,000 | $150,000-$175,000 | $112,000 | $100,000 | $100,000-$125,000 |
| Iverson Lake Rd, Sawmill Rd, 6th St SE, Well Dr, E Cecil Ave, Water St, Hillview Dr, N Eagle Lake Rd, Monarch Rd, 160th St | $268,500 | $220,000 | $200,000-$250,000 | $167,000 | $150,000 | $125,000-$150,000 |
| Top of the Red Dr, Linden Shore Rd, Canterbury Sands Trl, Fremont St, Block Lake Loop, Hummingbird Ln, 370th St, State Hwy 106 S, Co Hwy 18, Lake Six Rd | $216,000 | $190,000 | $175,000-$200,000 | $107,500 | $90,000 | $100,000-$125,000 |
| 540th Ave, W Lincoln Ave, 645 Ave, N Hayes Ave, N Mill St, Lida Shore Loop, Woodland Dr, Fish Lake Trl, N 4th Ave, Co Hwy 88 | $177,000 | $170,000 | $150,000-$175,000 | $164,500 | $150,000 | $125,000-$150,000 |
| Stage St, Brenvei Dr, Devils Lake Rd, Eagle Lake Ln, White Oak Ln, Coney Island Trl, 316th Ave, 4th St NE, Percheron Ln, Oak St | $173,000 | $150,000 | $175,000-$200,000 | $160,000 | $130,000 | $125,000-$150,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$173 | $846 |
| Superior Protection Discount | -$102 | $917 |
| Fire & Security Discount | -$71 | $948 |
| Hail Resistant Roof Discount | -$20 | $999 |
| Newly Constructed Home Discount | -$204 | $815 |
| 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 | $1,500 | $1,007 | $2,507 | $732 | $2,232 | $275 |
| Otter Tail County, MN | $1,500 | $1,007 | $2,507 | $732 | $2,232 | $275 |
| Buse, MN | $200 | $1,204 | $1,404 | $875 | $1,075 | $329 |
| Trondhjem, MN | $2,500 | $1,097 | $3,597 | $797 | $3,297 | $300 |
| Wadena, MN | $200 | $713 | $913 | $518 | $718 | $195 |
| Barrett, MN | $2,500 | $614 | $3,114 | $446 | $2,946 | $168 |
| Manston, MN | $500 | $1,064 | $1,564 | $773 | $1,273 | $291 |
| Brandrup, MN | $500 | $783 | $1,283 | $569 | $1,069 | $214 |
| Solem, MN | $1,500 | $1,065 | $2,565 | $774 | $2,274 | $291 |
| Todd County, MN | $100 | $812 | $912 | $590 | $690 | $222 |
| Two Inlets, MN | $700 | $1,311 | $2,011 | $953 | $1,653 | $358 |
| Home Insurance Company Otter Tail County, MN | Homeowners Insurance Agency Otter Tail County, MN | Address | Popularity Score | Distance from Otter Tail County (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Dilley Zimny Insurance | 809 Broadway St, Alexandria, MN, 56308 | 39.6 | |
| Travelers | Hendricks Insurance Agency | 215 Central Ave, Osakis, MN, 56360 | 45.9 | |
| Allstate | Billmarks Lakes Area Insurance Inc | 913 Broadway St, Alexandria, MN, 56308 | 39.6 | |
| Farmers | David Hiney | 1119 Jackson Ave, Detroit Lakes, MN, 56501 | 28.7 | |
| Allstate | Rohde Insurance Services | 1213 N Union Ave, Fergus Falls, MN, 56537 | 19.0 | |
| Allstate | Itasca Region Insurance Agency | 1012 1st St E # 34, Park Rapids, MN, 56470 | 48.0 | |
| Travelers | Amp Insurance | 920 Pebble Lake Rd, Fergus Falls, MN, 56357 | 18.8 | |
| Travelers | Ebner Insurance | 20 Jefferson St S, Wadena, MN, 56482 | 27.7 | |
| State Farm | Dwain Schuette | 1306 Broadway St, Alexandria, MN, 56308-2534 | 39.9 | |
| Travelers | Ebner Insurance | 20 Jefferson St S, Wadena, MN, 56482 | 27.7 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Minnesota | $199,700 | $1,192 | $850 | $1,700 | $850 |
| Otter Tail County, MN | $170,900 | $1,019 | $700 | $1,420 | $720 |
| Otter Tail County, MN | $170,900 | $1,019 | $720 | $1,460 | $740 |
| Buse, MN | $208,600 | $1,219 | $890 | $1,740 | $850 |
| Trondhjem, MN | $175,000 | $1,110 | $770 | $1,590 | $820 |
| Wadena, MN | $89,600 | $722 | $490 | $1,000 | $510 |
| Barrett, MN | $73,100 | $621 | $450 | $880 | $430 |
| Manston, MN | $165,600 | $1,077 | $720 | $1,530 | $810 |
| Brandrup, MN | $102,100 | $793 | $550 | $1,100 | $550 |
| Solem, MN | $165,900 | $1,078 | $770 | $1,480 | $710 |
| Todd County, MN | $141,000 | $822 | $570 | $1,170 | $600 |
| Two Inlets, MN | $246,200 | $1,327 | $890 | $1,880 | $990 |