Gavop tells you how to get the best homeowners insurance in Clark County, SD by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $29,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $80,000 | $70,000 | $75,000-$100,000 |
| 3 Bedroom | $126,500 | $110,000 | $100,000-$125,000 |
| 4 Bedroom | $135,000 | $120,000 | $125,000-$150,000 |
| 5 Bedroom | $124,500 | $100,000 | $125,000-$150,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$131 | $559 |
| Superior Protection Discount | -$69 | $621 |
| Fire & Security Discount | -$62 | $628 |
| Hail Resistant Roof Discount | -$14 | $676 |
| Newly Constructed Home Discount | -$145 | $545 |
| 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 |
| Clark County | $2,000 | $682 | $2,682 | $495 | $2,495 | $186 |
| Clark County, SD | $700 | $682 | $1,382 | $495 | $1,195 | $186 |
| Fuller, SD | $400 | $1,276 | $1,676 | $928 | $1,328 | $349 |
| Hayti, SD | $1,000 | $756 | $1,756 | $549 | $1,549 | $207 |
| Morton, SD | $100 | $1,976 | $2,076 | $1,436 | $1,536 | $540 |
| Norden, SD | $700 | $1,210 | $1,910 | $880 | $1,580 | $331 |
| Iroquois, SD | $300 | $743 | $1,043 | $540 | $840 | $203 |
| Dempster, SD | $700 | $769 | $1,469 | $559 | $1,259 | $210 |
| Estelline, SD | $400 | $736 | $1,136 | $535 | $935 | $201 |
| Summit, SD | $1,500 | $694 | $2,194 | $504 | $2,004 | $190 |
| Carthage, SD | $500 | $592 | $1,092 | $430 | $930 | $162 |
| Home Insurance Company Clark County, SD | Homeowners Insurance Agency Clark County, SD | Address | Popularity Score | Distance from Clark County (miles) |
|---|---|---|---|---|
| State Farm | Kathy Witte-Holmes | 314 4th St Ne, Watertown, SD, 57201-2620 | 30.5 | |
| State Farm | Ken Sinner | 600 5th St Se, Watertown, SD, 57201-4915 | 30.3 | |
| Farmers | Pat Shriver | 1505 9th Ave Se Ste B, Watertown, SD, 57201 | 31.2 | |
| Allstate | Heartland Financial | 302 E 7th Ave, Redfield, SD, 57469 | 38.7 | |
| Travelers | Mansfield Insurance Agency Inc | 187 E Main, Mansfield, SD, 57460 | 49.0 | |
| Travelers | Reliabank Insurance | 1401 N 4th Street Ne, Watertown, SD, 57201 | 30.7 | |
| State Farm | Rick Klapperich | 613 N Main St, Redfield, SD, 57469-1289 | 39.0 | |
| Travelers | Arlington Insurance Agency | 128 S Main, Arlington, SD, 57212 | 44.7 | |
| Allstate | Heartland Financial | 109 Main St, Tulare, SD, 57476 | 39.3 | |
| Farmers | Jody Peterson | 922 W Kemp, Watertown, SD, 57201 | 29.3 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| South Dakota | $152,700 | $984 | $720 | $1,370 | $650 |
| Clark County, SD | $81,100 | $690 | $480 | $990 | $510 |
| Clark County, SD | $81,100 | $690 | $460 | $960 | $500 |
| Fuller, SD | $252,800 | $1,292 | $940 | $1,850 | $910 |
| Hayti, SD | $87,600 | $765 | $560 | $1,060 | $500 |
| Morton, SD | $445,000 | $2,000 | $1,440 | $2,840 | $1,400 |
| Norden, SD | $230,800 | $1,225 | $830 | $1,750 | $920 |
| Iroquois, SD | $84,000 | $752 | $500 | $1,060 | $560 |
| Dempster, SD | $91,200 | $778 | $530 | $1,100 | $570 |
| Estelline, SD | $82,100 | $745 | $540 | $1,020 | $480 |
| Summit, SD | $70,400 | $702 | $480 | $1,000 | $520 |
| Carthage, SD | $43,600 | $599 | $430 | $850 | $420 |