Gavop's guide to buying homeowners insurance in Clay 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 | $42,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $104,500 | $80,000 | $100,000-$125,000 |
| 3 Bedroom | $129,000 | $110,000 | $125,000-$150,000 |
| 4 Bedroom | $156,000 | $130,000 | $125,000-$150,000 |
| 5 Bedroom | $213,000 | $190,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$113 | $696 |
| Superior Protection Discount | -$81 | $729 |
| Fire & Security Discount | -$89 | $721 |
| Hail Resistant Roof Discount | -$24 | $785 |
| Newly Constructed Home Discount | -$219 | $591 |
| 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 | $2,500 | $800 | $3,300 | $581 | $3,081 | $219 |
| Clay County, SD | $2,500 | $800 | $3,300 | $581 | $3,081 | $219 |
| Centerville, SD | $300 | $731 | $1,031 | $531 | $831 | $200 |
| Big Springs, SD | $1,000 | $1,011 | $2,011 | $735 | $1,735 | $276 |
| Yankton County, SD | $200 | $783 | $983 | $569 | $769 | $214 |
| Molan, SD | $1,000 | $832 | $1,832 | $605 | $1,605 | $227 |
| Hancock, IA | $400 | $979 | $1,379 | $712 | $1,112 | $268 |
| La Valley, SD | $2,000 | $1,264 | $3,264 | $918 | $2,918 | $345 |
| Concord, NE | $100 | $686 | $786 | $498 | $598 | $187 |
| Covington, NE | $1,000 | $1,243 | $2,243 | $903 | $1,903 | $340 |
| Bloomfield, NE | $400 | $760 | $1,160 | $552 | $952 | $208 |
| Sioux County, IA | $2,500 | $840 | $3,340 | $610 | $3,110 | $229 |
| Home Insurance Company Clay County, SD | Homeowners Insurance Agency Clay County, SD | Address | Popularity Score | Distance from Clay County (miles) |
|---|---|---|---|---|
| Farmers | Sara Bye | 5 Market St, Vermillion, SD, 57069 | 9.5 | |
| State Farm | Dan Scholten | 5604 W 41st St Ste 104, Sioux Falls, SD, 57106-1010 | 42.6 | |
| Farmers | Kevin Carda | 2006 Locust St, Yankton, SD, 57078 | 21.4 | |
| State Farm | Mark Kasten | 362 S. Main St, Freeman, SD, 57029 | 38.1 | |
| Allstate | Dennis Arp | 3801 S Western Ave Ste 100, Sioux Falls, SD, 57105 | 42.8 | |
| State Farm | Jason Durnil | 1708 W 41st St, Sioux Falls, SD, 57105-5412 | 43.2 | |
| State Farm | Brad Fowler | 113 W Main St, Elk Point, SD, 57025 | 21.6 | |
| State Farm | Richard Sunde | 16 E Main St, Vermillion, SD, 57069-2103 | 9.5 | |
| State Farm | Rhonda Wesseln | 1023 W 9th St, Yankton, SD, 57078-3390 | 21.9 | |
| State Farm | Mark Kasten | 180 N Main St, Parker, SD, 57053 | 34.4 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| South Dakota | $152,700 | $984 | $710 | $1,410 | $700 |
| Clay County, SD | $146,400 | $810 | $550 | $1,120 | $570 |
| Clay County, SD | $146,400 | $810 | $580 | $1,120 | $540 |
| Centerville, SD | $80,700 | $740 | $540 | $1,020 | $480 |
| Big Springs, SD | $165,000 | $1,023 | $730 | $1,420 | $690 |
| Yankton County, SD | $140,400 | $793 | $530 | $1,090 | $560 |
| Molan, SD | $109,700 | $842 | $570 | $1,150 | $580 |
| Hancock, IA | $205,400 | $991 | $670 | $1,410 | $740 |
| La Valley, SD | $248,400 | $1,279 | $910 | $1,770 | $860 |
| Concord, NE | $54,400 | $694 | $500 | $960 | $460 |
| Covington, NE | $150,300 | $1,258 | $840 | $1,740 | $900 |
| Bloomfield, NE | $65,600 | $769 | $560 | $1,090 | $530 |
| Sioux County, IA | $153,800 | $850 | $590 | $1,180 | $590 |