How Can I Make My Detroit Lakes, MN Home Insurance Cheaper

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.

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Select the Suitable Coverage Value for your Detroit Lakes, MN Home | Back to Top

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

Bundle your Detroit Lakes, MN Auto & Home Insurance from the Same Company | Back to Top

Bundling Type Discount ($) Premium After Discount ($)
Home and One Car -$82 $827
Home and Two Car -$145 $763
Home and Three Car -$227 $682

Choose the Right Deductible for your Detroit Lakes, MN Home | Back to Top

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

Identify Top Home Insurance Agents near Detroit Lakes, MN | Back to Top

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

Compare Rates for Detroit Lakes, MN Home Insurance Providers | Back to Top

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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