Gavop's guide to buying homeowners insurance in Benson County, ND 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 | $35,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $74,500 | $70,000 | $50,000-$75,000 |
| 3 Bedroom | $140,500 | $130,000 | $100,000-$125,000 |
| 4 Bedroom | $144,500 | $130,000 | $150,000-$175,000 |
| 5 Bedroom | $240,000 | $200,000 | $200,000-$250,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$53 | $607 |
| Home and Two Car | -$105 | $554 |
| Home and Three Car | -$165 | $495 |
| 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 |
| Benson County | $700 | $651 | $1,351 | $473 | $1,173 | $178 |
| Benson County, ND | $1,500 | $651 | $2,151 | $473 | $1,973 | $178 |
| Hesper, ND | $1,000 | $895 | $1,895 | $651 | $1,651 | $245 |
| Wood Lake, ND | $100 | $800 | $900 | $582 | $682 | $219 |
| Rush Lake, ND | $1,000 | $639 | $1,639 | $465 | $1,465 | $175 |
| Sullivan, ND | $100 | $905 | $1,005 | $658 | $758 | $247 |
| Columbia, ND | $1,000 | $922 | $1,922 | $670 | $1,670 | $252 |
| Sorenson, ND | $200 | $570 | $770 | $414 | $614 | $156 |
| Sykeston, ND | $2,500 | $710 | $3,210 | $516 | $3,016 | $194 |
| Home Insurance Company Benson County, ND | Homeowners Insurance Agency Benson County, ND | Address | Popularity Score | Distance from Benson County (miles) |
|---|---|---|---|---|
| State Farm | Bob Flach | 832 Main St, Carrington, ND, 58421 | 44.3 | |
| State Farm | Bob Flach | 104 8th St E, Harvey, ND, 58341-1536 | 34.2 | |
| State Farm | Kevin Vistad | 11 College Dr N, Devils Lake, ND, 58301-6501 | 22.6 | |
| Allstate | Rugby Ins Agency | 1310 Highway 3 S, Rugby, ND, 58368 | 35.8 | |
| Allstate | First Agy Devils Lk | 423 6th Ave Ne, Devils Lake, ND, 58301 | 23.0 | |
| Allstate | Rolette Insur Agcy | 209 Main Street, Rolette, ND, 58366 | 46.6 | |
| Travelers | Anderson Agcy Of Lakota Inc | 125 Main, Lakota, ND, 58344 | 46.7 | |
| Travelers | The Insurance Store | 315 College Dr, Devils Lake, ND, 58301 | 22.7 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| North Dakota | $174,100 | $1,147 | $790 | $1,630 | $840 |
| Benson County, ND | $68,900 | $659 | $480 | $900 | $420 |
| Benson County, ND | $68,900 | $659 | $480 | $930 | $450 |
| Hesper, ND | $110,000 | $906 | $630 | $1,260 | $630 |
| Wood Lake, ND | $89,000 | $810 | $590 | $1,120 | $530 |
| Rush Lake, ND | $57,500 | $647 | $460 | $920 | $460 |
| Sullivan, ND | $112,500 | $916 | $670 | $1,290 | $620 |
| Columbia, ND | $116,300 | $933 | $660 | $1,290 | $630 |
| Sorenson, ND | $45,500 | $577 | $420 | $830 | $410 |
| Sykeston, ND | $70,800 | $719 | $520 | $1,020 | $500 |