How Can I Make My Moorhead, MN Home Insurance Cheaper
Gavop tells you how to get the best homeowners insurance in Moorhead, MN by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
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Estimate Appropriate Moorhead, MN Home Insurance Coverage Levels | Back to Top
| Moorhead, MN - 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 | |
| Somerset Ln, 38th St S, Village Green Cir, Co Rd 4, 5th Ave N, 1st Ave S, 29th St N, 56th Ave N, 6th Ave NE, 4th St S | $183,000 | $170,000 | $150,000-$175,000 | $120,500 | $110,000 | $125,000-$150,000 |
| Eagle Dr, Co Rd 72, 41st Ave S, 42nd Ave S, 3rd Ave W, 27th St S, 50th St S, Co Rd 61, 39 1/2 Ave S, Dudrey Ct | $176,500 | $160,000 | $125,000-$150,000 | $184,000 | $150,000 | $200,000-$250,000 |
| 6th St NE, 34 St N, 70th St N, Marion St, 21st Ave S, 23rd Ave S, 2nd Ave S, 9th St SE, Co Hwy 9, 42nd Ave S | $131,500 | $110,000 | $100,000-$125,000 | $162,500 | $140,000 | $150,000-$175,000 |
| 3rd St N, 40th St S, 38th Ave S, 23rd Ave S, 32nd St S, 40th St N, S Frontage Rd, 16th Ave S, Co Rd 57, Co Rd 15 | $168,500 | $140,000 | $175,000-$200,000 | $156,000 | $130,000 | $125,000-$150,000 |
| 1st Ave NE, 21st St S, 30th St S, 2nd St NE, 18th Ave S, 18th Ave S, 3rd Ave NE, 43rd Ave N, 62nd Ave N, 8th Ave S | $250,500 | $220,000 | $250,000-$300,000 | $140,500 | $120,000 | $125,000-$150,000 |
Estimate your Savings with Home Insurance Discounts in Moorhead, MN | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$184 | $837 |
| Superior Protection Discount | -$92 | $928 |
| Fire & Security Discount | -$112 | $908 |
| Hail Resistant Roof Discount | -$31 | $990 |
| Newly Constructed Home Discount | -$224 | $796 |
Choose the Right Deductible for your Moorhead, 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 |
| Clay County | $1,500 | $1,014 | $2,514 | $737 | $2,237 | $277 |
| Moorhead, MN | $1,500 | $1,008 | $2,508 | $733 | $2,233 | $275 |
| Prairie Rose, ND | $100 | $1,398 | $1,498 | $1,016 | $1,116 | $382 |
| Reed, ND | $2,000 | $1,418 | $3,418 | $1,030 | $3,030 | $387 |
| Clay County, MN | $300 | $1,014 | $1,314 | $737 | $1,037 | $277 |
| Argusville, ND | $1,500 | $1,367 | $2,867 | $994 | $2,494 | $374 |
| Kinyon, ND | $500 | $1,168 | $1,668 | $849 | $1,349 | $319 |
| Wild Rice, MN | $2,500 | $926 | $3,426 | $673 | $3,173 | $253 |
| Freeman, ND | $100 | $731 | $831 | $531 | $631 | $200 |
| Belford, ND | $200 | $1,285 | $1,485 | $934 | $1,134 | $351 |
Identify Top Home Insurance Agents near Moorhead, MN | Back to Top
| Home Insurance Company Moorhead, MN | Homeowners Insurance Agency Moorhead, MN | Address | Popularity Score | Distance from Moorhead (miles) |
|---|---|---|---|---|
| State Farm | Noel Moore | 515 South 8th Street, Moorhead, MN, 56560-3503 | 1.4 | |
| Farmers | David Hiney | 1119 Jackson Ave, Detroit Lakes, MN, 56501 | 43.2 | |
| State Farm | Shane Raw | 222 Front St, Barnesville, MN, 56514 | 21.0 | |
| Allstate | Wesley Shoults | 409 Main Ave, Moorhead, MN, 56560 | 1.8 | |
| State Farm | Keith Inwards | 710 Washington Ave, Detroit Lakes, MN, 56501-3012 | 42.6 | |
| State Farm | Greg Hildenbrand | 624 Lake Ave, Detroit Lakes, MN, 56501-3029 | 42.6 | |
| Farmers | Leroy Anderson | 512 Center Ave Ste 2, Moorhead, MN, 56560 | 1.8 | |
| State Farm | Amanda Frederick | 110 Minnesota Ave, Breckenridge, MN, 56520-1946 | 41.7 | |
| Travelers | Gary State Insurance Agency | 101 2nd Ave E, Gary, MN, 56545 | 41.9 | |
| State Farm | Jeff Morgan | 15 W Mill Ave, Pel Rapids, MN, 56572-4228 | 37.1 |
Compare Rates for Moorhead, MN Home Insurance Providers | Back to Top
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Minnesota | $199,700 | $1,192 | $860 | $1,640 | $780 |
| Clay County, MN | $173,100 | $1,027 | $710 | $1,410 | $700 |
| Moorhead, MN | $171,100 | $1,020 | $680 | $1,450 | $770 |
| Prairie Rose, ND | $266,100 | $1,415 | $1,030 | $2,010 | $980 |
| Reed, ND | $273,500 | $1,435 | $980 | $1,970 | $990 |
| Clay County, MN | $173,100 | $1,027 | $690 | $1,420 | $730 |
| Argusville, ND | $254,900 | $1,384 | $980 | $1,920 | $940 |
| Kinyon, ND | $185,000 | $1,182 | $860 | $1,690 | $830 |
| Wild Rice, MN | $131,300 | $937 | $670 | $1,290 | $620 |
| Freeman, ND | $75,000 | $740 | $510 | $1,020 | $510 |
| Belford, ND | $225,000 | $1,301 | $920 | $1,860 | $940 |
Research Home Insurance Companies Reviews in Moorhead, MN Before Buying | Back to Top
Share a review on your home insurance company
State Farm Home Insurance Reviews
Date: June 05, 2019 Age: 30 to 39 Gender: Unmarried Marital Status: Female
Premium
The premium is a little high; it could be lower. However, I feel that I am getting my money's worth from this company as their customer service is so good.
Date: October 20, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Communication
The State Farm agent is a family friend we have known of almost fifty years. His staff is always friendly and helpful. They answer my questions very quickly and provide any mailed responses the next day. They are very customer service focused.
Farm Bureau Home Insurance Reviews
Date: July 04, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Customer Service
I will always stay with Farm Bureau on my home insurance because I have a grandfathered policy in which I cannot get at any other insurance company.
Nationwide Home Insurance Reviews
Date: October 08, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Premium
The premium and deductible is reasonably priced. Nationwide offered better deals than many other companies I looked at before making my decision.
Universal Property & Casualty Insurance Company Home Insurance Reviews
Date: November 22, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Customer Service
My home insurance company's customer service group has been a pleasure to work with, although in a limited sense as my exposure to them has been brief. The little interaction I have had with them has been entirely pleasant.
GEICO Home Insurance Reviews
Date: October 25, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Policy Offerings
Our desktop computer is covered in the event of a lightening strike. Also, if any property is damaged due to water damage with broken appliances, our personal property is covered.
The Hartford Home Insurance Reviews
Date: February 05, 2019 Age: Above 60 Gender: Female Marital Status: Unmarried
Customer Service
It was a fast and good experience. I didn't feel like I really needed renters insurance but was forced to buy it to renew my lease which is a bunch of hoopla.
Farmer's Insurance Home Insurance Reviews
Date: August 10, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
The premium is very reasonable for the amount of coverage we receive. I believe our deductible is in a middle level, not too high not too low.