Gavop shows you how to buy homeowners insurance in Harding County, SD by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Harding County, SD - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Lewton Rd, Tipperary St, Hackamore Ranch Rd, Bar H Pl, Salmen Pl, Scranton Rd, N Main St, Redig Rd, Airport Rd, Old Hwy 85 | $128,500 | $120,000 | $100,000-$125,000 | $104,500 | $90,000 | $100,000-$125,000 |
| Sabo Ridge Pl, Co Hwy 752, 3rd St E, E Main St, 2nd St E, N Camp Cook Rd, S Camp Crook Rd, Co Hwy 733, J B Rd, Park Rd | $118,500 | $100,000 | $100,000-$125,000 | $65,500 | $60,000 | $50,000-$75,000 |
| 2nd St W, Co Hwy 735, Foust Rd, Three Toes St, Ramsland St, Rhame Rd, Gilbert Rd, Twin Rd, Dillon Rd, Rabbit Creek Pl | $81,500 | $70,000 | $50,000-$75,000 | $112,000 | $100,000 | $100,000-$125,000 |
| Welch Fire Pl, State Hwy 79, Little Missouri Rd, Co Hwy 732, State Hwy 20, Cox Rd, Welch Fire Trl, Tickle Hill Pl, Collins Rd, Miller St | $103,000 | $90,000 | $100,000-$125,000 | $69,500 | $60,000 | $50,000-$75,000 |
| Co Hwy 858, Co Hwy 798, Dunn Rd, Skull Creek Rd, 2nd St, Bullock Rd, Gunderson Pl, 1st St E, Rocky Ridge Pl, Mackey Rd | $117,000 | $110,000 | $75,000-$100,000 | $58,500 | $50,000 | $50,000-$75,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$125 | $569 |
| Superior Protection Discount | -$69 | $624 |
| Fire & Security Discount | -$76 | $617 |
| Hail Resistant Roof Discount | -$21 | $673 |
| Newly Constructed Home Discount | -$167 | $527 |
| 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 |
| Harding County | $1,000 | $685 | $1,685 | $498 | $1,498 | $187 |
| Harding County, SD | $700 | $685 | $1,385 | $498 | $1,198 | $187 |
| Whiting, ND | $200 | $1,395 | $1,595 | $1,014 | $1,214 | $381 |
| Talbot, ND | $2,000 | $1,343 | $3,343 | $976 | $2,976 | $367 |
| Central Perkins, SD | $1,000 | $648 | $1,648 | $471 | $1,471 | $177 |
| 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 |
| Harding County, SD | $82,300 | $694 | $490 | $990 | $500 |
| Harding County, SD | $82,300 | $694 | $500 | $950 | $450 |
| Whiting, ND | $265,000 | $1,412 | $1,030 | $1,990 | $960 |
| Talbot, ND | $245,800 | $1,359 | $910 | $1,940 | $1,030 |
| Central Perkins, SD | $58,200 | $656 | $450 | $940 | $490 |