How Can I Make My Clay County, MN Home Insurance Cheaper

Gavop's guide to buying homeowners insurance in Clay 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.

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Estimate Appropriate Clay County, MN Home Insurance Coverage Levels | Back to Top

Clay 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
31st St S, 74th Ave NW, Co Rd 72, 1st St E, 7th St, Jetrig Blvd, Yeovil St, Co Rd 61, Bmw Dr, 248 St N $181,000 $150,000 $200,000-$250,000 $97,000 $80,000 $75,000-$100,000
3rd St, Probstfield St, Co Hwy 36, 2nd Ave N, Co Hwy 9, 110th Ave NW, Co Rd 72, 22nd St S, S 260th St, 3rd St NE $196,500 $160,000 $200,000-$250,000 $125,000 $110,000 $125,000-$150,000
Frontage Rd S, Cemetary Rd, 60th Ave S, 18th St N, 2nd St N, 4th Ave N, Co Rd 77, 40th St S, 400th St, 130th St N $150,500 $120,000 $125,000-$150,000 $156,000 $130,000 $125,000-$150,000
Northern Pacific Ave E, 12th St SE, Woodbridge Cir, 1 Ave N, 142nd St S, 2nd Ave N, 4th St NW, 3 St NE, Co Rd 16, Co Rd 36 $211,500 $190,000 $200,000-$250,000 $147,000 $130,000 $125,000-$150,000
King Trl S, Co Hwy 12, 21st St S, Dilworth Trailer Park, 1st Ave N, 5th Ave N, S 6th Ave, 6th St S, Riverhaven Rd, 90th Ave S $131,000 $110,000 $125,000-$150,000 $81,000 $70,000 $75,000-$100,000
10th St NW, 30th St N, 2nd St S, 6th St S, 6th St, 14th St N, Co Hwy 10, 30th St N, Co Rd 2, 130th St S $101,500 $80,000 $75,000-$100,000 $78,500 $70,000 $75,000-$100,000
3rd St W, Co Rd 83, 5th St SE, State Hwy 32 N, 1st St N, 23rd Ave S, Co Rd 81, Co Hwy 26, Washington Ave E, W Summerwood Trl $148,500 $130,000 $100,000-$125,000 $156,000 $140,000 $150,000-$175,000
McCann Rd, Mayfair Dr, 7th St NE, 5th Ave NW, 30th St S, 1st Ave NW, 75th Ave N, 8th St N, 3 St NW, S Frontage Rd $248,000 $230,000 $250,000-$300,000 $160,500 $130,000 $175,000-$200,000
6th St, 285th St S, 14th St N, 4th St SE, Oakport St N, Bmw Dr, Co Hwy 90, Dakota Ave, Riverside Trailer Park, 6th St NE $221,000 $210,000 $175,000-$200,000 $86,500 $80,000 $75,000-$100,000
Co Rd 106, 8th St SE, Dilworth Trailer Park, Co Hwy 78, Hobart St, 150th Ave N, N 18th Ave, Rodgers Str, 9 St S, 60th Ave SW $163,000 $150,000 $150,000-$175,000 $108,000 $100,000 $100,000-$125,000

Estimate your Savings with Home Insurance Discounts in Clay County, MN | Back to Top

Type Discount ($) Premium After Discount ($)
Multipolicy Discount -$185 $842
Superior Protection Discount -$92 $934
Fire & Security Discount -$113 $914
Hail Resistant Roof Discount -$31 $996
Newly Constructed Home Discount -$205 $821

Choose the Right Deductible for your Clay County, MN Home | Back to Top

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
Clay County $1,000 $1,014 $2,014 $737 $1,737 $277
Clay County, MN $700 $1,014 $1,714 $737 $1,437 $277
Highland Grove, MN $400 $1,164 $1,564 $846 $1,246 $318
Viding, MN $2,000 $1,075 $3,075 $781 $2,781 $294
Lake Park, MN $300 $747 $1,047 $543 $843 $204
Winchester, MN $1,000 $1,021 $2,021 $742 $1,742 $279
Waubun, MN $500 $583 $1,083 $424 $924 $159
Nordick, MN $700 $1,097 $1,797 $797 $1,497 $300
Strand, MN $100 $784 $884 $570 $670 $214
Chief, MN $1,000 $877 $1,877 $638 $1,638 $240
Maine, MN $1,000 $1,291 $2,291 $938 $1,938 $353

Identify Top Home Insurance Agents near Clay County, MN | Back to Top

Home Insurance Company Clay County, MN Homeowners Insurance Agency Clay County, MN Address Popularity Score Distance from Clay County (miles)
Farmers David Hiney 1119 Jackson Ave, Detroit Lakes, MN, 56501
31.8
State Farm Noel Moore 515 South 8th Street, Moorhead, MN, 56560-3503
13.1
Travelers Amp Insurance 920 Pebble Lake Rd, Fergus Falls, MN, 56357
47.9
State Farm Shane Raw 222 Front St, Barnesville, MN, 56514
17.4
State Farm Ed Winjum 411 3rd Ave Se, Perham, MN, 56573-1740
48.7
State Farm Keith Inwards 710 Washington Ave, Detroit Lakes, MN, 56501-3012
31.3
Allstate Wesley Shoults 409 Main Ave, Moorhead, MN, 56560
13.3
Farmers Leroy Anderson 512 Center Ave Ste 2, Moorhead, MN, 56560
13.2
State Farm Amanda Frederick 110 Minnesota Ave, Breckenridge, MN, 56520-1946
44.1
State Farm Mark Rodning 408 W Lincoln Ave, Fergus Falls, MN, 56537-2008
46.8

Compare Rates for Clay County, MN Home Insurance Providers | Back to Top

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Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
Minnesota $199,700 $1,192 $860 $1,680 $820
Clay County, MN $173,100 $1,027 $690 $1,460 $770
Clay County, MN $173,100 $1,027 $700 $1,450 $750
Highland Grove, MN $195,200 $1,178 $800 $1,680 $880
Viding, MN $168,800 $1,088 $790 $1,500 $710
Lake Park, MN $95,500 $756 $520 $1,070 $550
Winchester, MN $154,200 $1,033 $690 $1,480 $790
Waubun, MN $68,500 $590 $430 $810 $380
Nordick, MN $175,000 $1,110 $770 $1,590 $820
Strand, MN $102,300 $794 $530 $1,120 $590
Chief, MN $120,800 $888 $610 $1,230 $620
Maine, MN $239,100 $1,307 $880 $1,840 $960

8 Ways to Get Discounts on Homeowners Insurance in Clay County, MN

What Makes Your Clay County, MN Home Insurance Cheap or Expensive