Gavop's guide to buying homeowners insurance in Kandiyohi County, MN 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 | $47,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $122,000 | $110,000 | $100,000-$125,000 |
| 3 Bedroom | $136,000 | $120,000 | $100,000-$125,000 |
| 4 Bedroom | $282,000 | $240,000 | $300,000-$350,000 |
| 5 Bedroom | $276,500 | $260,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$141 | $865 |
| Superior Protection Discount | -$91 | $916 |
| Fire & Security Discount | -$81 | $926 |
| Hail Resistant Roof Discount | -$20 | $986 |
| Newly Constructed Home Discount | -$221 | $785 |
| 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 |
| Kandiyohi County | $2,500 | $994 | $3,494 | $722 | $3,222 | $272 |
| Kandiyohi County, MN | $2,500 | $994 | $3,494 | $722 | $3,222 | $272 |
| Fahlun, MN | $400 | $1,345 | $1,745 | $977 | $1,377 | $367 |
| Rolling Forks, MN | $1,500 | $1,201 | $2,701 | $873 | $2,373 | $328 |
| Martinsburg, MN | $400 | $827 | $1,227 | $601 | $1,001 | $226 |
| Collegeville, MN | $2,000 | $1,449 | $3,449 | $1,053 | $3,053 | $396 |
| Biscay, MN | $200 | $728 | $928 | $529 | $729 | $199 |
| McLeod County, MN | $1,000 | $966 | $1,966 | $702 | $1,702 | $264 |
| Annandale, MN | $500 | $968 | $1,468 | $704 | $1,204 | $265 |
| Howard Lake, MN | $1,500 | $941 | $2,441 | $684 | $2,184 | $257 |
| Hudson, MN | $300 | $1,301 | $1,601 | $946 | $1,246 | $356 |
| Holding, MN | $1,000 | $1,313 | $2,313 | $954 | $1,954 | $359 |
| Home Insurance Company Kandiyohi County, MN | Homeowners Insurance Agency Kandiyohi County, MN | Address | Popularity Score | Distance from Kandiyohi County (miles) |
|---|---|---|---|---|
| State Farm | Teresa Holwerda | 801 1st St S, Willmar, MN, 56201-3505 | 3.1 | |
| Allstate | Wendorff Insurance | 6 North Franklin Street, Hutchinson, MN, 55350 | 35.9 | |
| Allstate | Fuhr Insurance Agency | 722 E Bridge St, Redwood Falls, MN, 56283 | 42.5 | |
| Allstate | Pioneer Heritage | 310 1st St. Sw, Willmar, MN, 56201 | 2.9 | |
| Liberty Mutual Independent | Insurance Center | 1516 1st St S, Willmar, MN, 56201 | 3.7 | |
| State Farm | Kim Kotzer | 132 Main St S, Hutchinson, MN, 55350-2507 | 36.0 | |
| State Farm | Brian Gazelka | 1025 19th Ave Sw, Willmar, MN, 56201-5067 | 4.2 | |
| Farmers | Christopher Burt | 3335 W Saint Germain St Ste 105, Saint Cloud, MN, 56301 | 47.7 | |
| State Farm | Larry Anderson | 806 10th St E Ste 102, Glencoe, MN, 55336-2224 | 49.5 | |
| State Farm | Bill Holker | 540 25th Ave N, Saint Cloud, MN, 56303-3255 | 48.9 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Minnesota | $199,700 | $1,192 | $810 | $1,630 | $820 |
| Kandiyohi County, MN | $167,000 | $1,006 | $710 | $1,430 | $720 |
| Kandiyohi County, MN | $167,000 | $1,006 | $710 | $1,380 | $670 |
| Fahlun, MN | $258,300 | $1,361 | $930 | $1,860 | $930 |
| Rolling Forks, MN | $207,400 | $1,216 | $860 | $1,680 | $820 |
| Martinsburg, MN | $110,400 | $837 | $610 | $1,180 | $570 |
| Collegeville, MN | $296,100 | $1,467 | $980 | $2,080 | $1,100 |
| Biscay, MN | $92,100 | $737 | $540 | $1,020 | $480 |
| McLeod County, MN | $150,400 | $977 | $700 | $1,340 | $640 |
| Annandale, MN | $141,200 | $980 | $720 | $1,360 | $640 |
| Howard Lake, MN | $134,700 | $952 | $660 | $1,340 | $680 |
| Hudson, MN | $242,500 | $1,317 | $900 | $1,820 | $920 |
| Holding, MN | $247,000 | $1,329 | $920 | $1,850 | $930 |