Gavop's guide to buying homeowners insurance in Detroit Lakes, 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $50,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $146,500 | $120,000 | $150,000-$175,000 |
| 3 Bedroom | $121,500 | $110,000 | $100,000-$125,000 |
| 4 Bedroom | $200,000 | $180,000 | $200,000-$250,000 |
| 5 Bedroom | $413,000 | $350,000 | $400,000-$500,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$82 | $827 |
| Home and Two Car | -$145 | $763 |
| Home and Three Car | -$227 | $682 |
| 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 |
| Becker County | $2,000 | $1,043 | $3,043 | $758 | $2,758 | $285 |
| Detroit Lakes, MN | $2,500 | $898 | $3,398 | $653 | $3,153 | $245 |
| Toad Lake, MN | $200 | $1,057 | $1,257 | $768 | $968 | $289 |
| Homestead, MN | $1,000 | $1,118 | $2,118 | $813 | $1,813 | $306 |
| Tanberg, MN | $200 | $1,059 | $1,259 | $770 | $970 | $289 |
| Oscar, MN | $1,000 | $1,112 | $2,112 | $808 | $1,808 | $304 |
| Marsh Creek, MN | $100 | $1,029 | $1,129 | $747 | $847 | $281 |
| Wadena, MN | $700 | $713 | $1,413 | $518 | $1,218 | $195 |
| Wolverton, MN | $100 | $1,070 | $1,170 | $778 | $878 | $292 |
| Heier, MN | $1,500 | $952 | $2,452 | $692 | $2,192 | $260 |
| Crow Wing Lake, MN | $400 | $1,337 | $1,737 | $971 | $1,371 | $365 |
| Clay, MN | $1,500 | $1,592 | $3,092 | $1,157 | $2,657 | $435 |
| Home Insurance Company Detroit Lakes, MN | Homeowners Insurance Agency Detroit Lakes, MN | Address | Popularity Score | Distance from Detroit Lakes (miles) |
|---|---|---|---|---|
| Travelers | Headwaters Agency Inc | 315 Park Ave S, Park Rapids, MN, 56470 | 38.0 | |
| Allstate | Rohde Insurance Services | 1213 N Union Ave, Fergus Falls, MN, 56537 | 36.9 | |
| Travelers | Amp Insurance | 920 Pebble Lake Rd, Fergus Falls, MN, 56357 | 38.0 | |
| Farmers | David Hiney | 1119 Jackson Ave, Detroit Lakes, MN, 56501 | 0.7 | |
| Travelers | Ebner Insurance | 20 Jefferson St S, Wadena, MN, 56482 | 41.9 | |
| State Farm | Ed Winjum | 411 3rd Ave Se, Perham, MN, 56573-1740 | 19.5 | |
| State Farm | Keith Inwards | 710 Washington Ave, Detroit Lakes, MN, 56501-3012 | 1.0 | |
| State Farm | Greg Hildenbrand | 624 Lake Ave, Detroit Lakes, MN, 56501-3029 | 1.1 | |
| Farmers | Leroy Anderson | 512 Center Ave Ste 2, Moorhead, MN, 56560 | 44.4 | |
| State Farm | Andy Kueber | 301 1st St E, Park Rapids, MN, 56470-1614 | 38.2 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Minnesota | $199,700 | $1,192 | $850 | $1,640 | $790 |
| Becker County, MN | $182,100 | $1,056 | $720 | $1,500 | $780 |
| Detroit Lakes, MN | $167,000 | $909 | $610 | $1,300 | $690 |
| Toad Lake, MN | $163,800 | $1,070 | $780 | $1,470 | $690 |
| Homestead, MN | $181,300 | $1,132 | $800 | $1,550 | $750 |
| Tanberg, MN | $164,300 | $1,072 | $740 | $1,470 | $730 |
| Oscar, MN | $179,200 | $1,125 | $780 | $1,600 | $820 |
| Marsh Creek, MN | $156,300 | $1,041 | $720 | $1,490 | $770 |
| Wadena, MN | $89,600 | $722 | $510 | $1,020 | $510 |
| Wolverton, MN | $167,300 | $1,083 | $790 | $1,510 | $720 |
| Heier, MN | $137,500 | $964 | $680 | $1,320 | $640 |
| Crow Wing Lake, MN | $255,700 | $1,353 | $960 | $1,910 | $950 |
| Clay, MN | $340,900 | $1,611 | $1,110 | $2,290 | $1,180 |