Gavop's guide to buying homeowners insurance in Douglas County, SD 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 | $39,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $76,000 | $60,000 | $50,000-$75,000 |
| 3 Bedroom | $105,500 | $90,000 | $100,000-$125,000 |
| 4 Bedroom | $159,000 | $140,000 | $150,000-$175,000 |
| 5 Bedroom | $196,000 | $180,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$110 | $579 |
| Superior Protection Discount | -$69 | $620 |
| Fire & Security Discount | -$69 | $620 |
| Hail Resistant Roof Discount | -$14 | $675 |
| Newly Constructed Home Discount | -$145 | $544 |
| 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 |
| Douglas County | $1,500 | $681 | $2,181 | $495 | $1,995 | $186 |
| Douglas County, SD | $2,000 | $681 | $2,681 | $495 | $2,495 | $186 |
| Charles Mix County, SD | $300 | $642 | $942 | $466 | $766 | $175 |
| Aurora County, SD | $700 | $651 | $1,351 | $473 | $1,173 | $178 |
| Wolf Creek, SD | $200 | $748 | $948 | $544 | $744 | $204 |
| Raymond, NE | $2,500 | $988 | $3,488 | $718 | $3,218 | $270 |
| Springfield, SD | $200 | $717 | $917 | $521 | $721 | $196 |
| Silver Lake, SD | $700 | $682 | $1,382 | $495 | $1,195 | $186 |
| Home Insurance Company Douglas County, SD | Homeowners Insurance Agency Douglas County, SD | Address | Popularity Score | Distance from Douglas County (miles) |
|---|---|---|---|---|
| Farmers | Josie Lemer | 221 E 3rd Ave, Mitchell, SD, 57301 | 27.8 | |
| Travelers | Frei Insurance Agency | 204 S Main, Wagner, SD, 57380 | 21.6 | |
| State Farm | Jim Stangeland | 1414 N Main St, Mitchell, SD, 57301-1463 | 28.3 | |
| Allstate | Randall Lakes Ins | 213 Main St, Lake Andes, SD, 57356 | 18.7 | |
| Travelers | Fidelity Agency | 745 Main St, Burke, SD, 57523 | 49.2 | |
| Allstate | Fischer Rounds Asc | 1130 S Burr St, Mitchell, SD, 57301 | 27.3 | |
| Liberty Mutual Independent | Bankwest Insurance | 1920 N Sanborn Blvd, Mitchell, SD, 57301 | 28.5 | |
| Liberty Mutual Independent | Bankwest Insurance | 1920 N Sanborn Blvd, Mitchell, SD, 57301 | 28.5 | |
| Travelers | D B Laird | 100 Pearl, Tyndall, SD, 57066 | 38.2 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| South Dakota | $152,700 | $984 | $700 | $1,390 | $690 |
| Douglas County, SD | $80,800 | $689 | $480 | $960 | $480 |
| Douglas County, SD | $80,800 | $689 | $480 | $950 | $470 |
| Charles Mix County, SD | $89,900 | $649 | $450 | $900 | $450 |
| Aurora County, SD | $72,300 | $659 | $440 | $940 | $500 |
| Wolf Creek, SD | $85,300 | $757 | $550 | $1,040 | $490 |
| Raymond, NE | $102,500 | $1,000 | $680 | $1,410 | $730 |
| Springfield, SD | $76,800 | $726 | $490 | $1,010 | $520 |
| Silver Lake, SD | $67,100 | $690 | $500 | $950 | $450 |