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.
| 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-$125,000 |
| Type | Discount ($) | 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 |
| 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 |
| 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 |
| 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 |