Gavop's guide to buying homeowners insurance in Sheridan 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 | $29,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $66,000 | $60,000 | $50,000-$75,000 |
| 3 Bedroom | $97,500 | $80,000 | $75,000-$100,000 |
| 4 Bedroom | $114,500 | $100,000 | $75,000-$100,000 |
| 5 Bedroom | $126,500 | $120,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$119 | $544 |
| Superior Protection Discount | -$60 | $604 |
| Fire & Security Discount | -$73 | $591 |
| Hail Resistant Roof Discount | -$13 | $650 |
| Newly Constructed Home Discount | -$179 | $484 |
| 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 |
| Sheridan County | $700 | $656 | $1,356 | $476 | $1,176 | $179 |
| Sheridan County, ND | $700 | $656 | $1,356 | $476 | $1,176 | $179 |
| Richmond, ND | $1,500 | $573 | $2,073 | $416 | $1,916 | $157 |
| Germantown, ND | $400 | $1,151 | $1,551 | $836 | $1,236 | $315 |
| Home Insurance Company Sheridan County, ND | Homeowners Insurance Agency Sheridan County, ND | Address | Popularity Score | Distance from Sheridan County (miles) |
|---|---|---|---|---|
| Travelers | Kumm Insurance Agency | 101 N Main, Velva, ND, 58790 | 43.1 | |
| Allstate | Ddc Inc. | 201 Lincoln Po Box 1046, Underwood, ND, 58576 | 38.7 | |
| Travelers | Unity Insurance Agency Inc | 217 Main St, Mcclusky, ND, 58463 | 16.8 | |
| Allstate | Ddc Inc. | Po Box 430, Washburn, ND, 58577 | 38.4 | |
| Travelers | Unity Insurance Agency Inc | 308 Lincoln Ave, Underwood, ND, 58576 | 38.8 | |
| State Farm | Bob Flach | 104 8th St E, Harvey, ND, 58341-1536 | 22.6 |
| 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 | $780 | $1,580 | $800 |
| Sheridan County, ND | $84,900 | $664 | $480 | $920 | $440 |
| Sheridan County, ND | $84,900 | $664 | $460 | $940 | $480 |
| Richmond, ND | $46,000 | $580 | $400 | $820 | $420 |
| Germantown, ND | $179,700 | $1,165 | $790 | $1,640 | $850 |