Fergus Falls Insurance Rates:

Fergus Falls, MN homeowners insurance is nearly $833 to $1,135, about $69-$94/month. Our complete guide reveals consumers can save upto $393 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Fergus Falls, MN Homeowners Insurance By Home Value

Fergus Falls, MN Home Value Total Homes % of Total Average Fergus Falls, MN Homeowners Insurance
Less than $50,000 329 9.0% $206
$50,000 to $59,999 111 3.0% $442
$60,000 to $69,999 97 2.0% $551
$70,000 to $79,999 240 7.0% $639
$80,000 to $89,999 391 11.0% $728
$90,000 to $99,999 250 7.0% $806
$100,000 to $124,999 496 14.0% $934
$125,000 to $149,999 385 11.0% $1170
$150,000 to $174,999 249 7.0% $1387
$175,000 to $199,999 202 6.0% $1603
$200,000 to $249,999 238 7.0% $1928
$250,000 to $299,999 242 7.0% $2361
$300,000 to $399,999 109 3.0% $3001

Top Home Insurance Agents Near Fergus Falls, MN

Home Insurance Company Near Fergus Falls, MN Homeowners Insurance Agency Near Fergus Falls, MN Address
State Farm Dwain Schuette 1306 Broadway St, Alexandria, MN, 56308-2534
Travelers Mullen Insurance Agency 220 W CAVOUR, FERGUS FALLS, MN, 56537
Travelers Rentz Agency Inc 517 ATLANTIC AVE, MORRIS, MN, 56267
Allstate Absolute Ins Agy Llc 18900 175th St, Audubon, MN, 56511
State Farm Amanda Frederick 110 Minnesota Ave, Breckenridge, MN, 56520-1946

Cost Of Homeowners Insurance By Street Near Fergus Falls, MN

Streets in Fergus Falls Area Homeowners Insurance Cost
N Marien St, I- 94, Hidden Lake Ln, Haggstrom Dr, N Whitford St, Co Hwy 56, River Lake Heights Rd, Fish Point Rd, Fawn Ln, Hansons Lakeview Dr$1,032
248th St, Co Hwy 12, W Junius Ave, N Vine St, N Aurdal Ave, W Church St, Bankers Dr, Twin Lakes Cir, Whippoorwill Dr, E Gustavus Ave$1,031
Front St, N Maple Ave, Co Hwy 116, Bankers Ln, Gun Club Rd, E Cherry Ave, Tower View Rd, 160th Ave, Kennedy Park Cir W, 187th St$1,027
Birch Ave, 267th Ave, Sunny Dr, E Hillside Ave, Paler Rd, Melody Ln, Martin St S, Dayton Hollow Rd, Co Hwy 10, Somerset Rd$1,032
W Hampden Dr, Lazy Loop, Foothill Ct, E Alcott Ave, N Wall Lake Dr, 189th St, Canterbury Ln, N Lakeside Dr, Co Rd 82, White Quill Ln$1,034

Fergus Falls, MN Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Fergus Falls$147 to $150
Buse$150
Aurdal$154
Dane Prairie$157

Fergus Falls, MN Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Buse township, Otter Tail County, Minnesota $150 $200 $300
Aurdal township, Otter Tail County, Minnesota $155 $206 $309
Dane Prairie township, Otter Tail County, Minnesota $158 $210 $315

Fergus Falls, MN Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Fergus Falls, MN7.5%22.0%
Buse6.47%24.46%
Aurdal5.9%19.78%
Dane Prairie5.65%22.05%

Fergus Falls Renters Insurance as a Percentage of Rent

Fergus Falls Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 101 4.0% $348
$200 to $299 337 16.0% $798
$300 to $499 340 16.0% $1248
$500 to $749 737 35.0% $1923
$750 to $999 317 15.0% $2673
$1,000 to $1,499 224 10.0% $3798
$1,500 or more 30 1.0% $5448

Fergus Falls, MN Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$800$2,800
Yearly Fergus Falls Homeowner Insurance Premium Example $1,100$700
Out of Pocket Expense During Claim$800$2,800
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $8,500$7,700
Net Savings to Fergus Falls Home Owner from High Deductible Plan $800

Fergus Falls, MN Home Insurance Costs With Home Replacement Value Scenarios

Scenario Fergus Falls, MN Home Replacement Value MORE than Home Value Fergus Falls, MN Home Replacement Value LESS than Home Value
Replacement Value $123,500 $79,000
Insurance Premium based on Replacement Value $1,175 $750
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $29,500 Risk Exposure from Under Insuring Coverage is $15,000
Premium Impact Insurance cheaper by $150/year Insurance costlier by $275/year

Example Fergus Falls Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceAmica Mutual Insurance CompanyChubb Group of Insurance
Monthly Premium 775384
Year Built 194619641989
Home Details 2 Beds, 1 Baths4 Beds, 3 Baths3 Beds, 1 Baths
Coverage Amount $125000-$150000$100000-$125000$125000-$150000
Deductible $1000-$2500 Deductible$2500-$5000 Deductible$500- $1000 Deductible

Sample Home Insurance Rates for Fergus Falls, MN from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1982 175,000 Composition Roof 2,520 4 $1000-$2500 Deductible 610 5 Fiber-Cement Siding yes
1944 150,000 Asphalt Shingles Roof 2,210 4 $2500-$5000 Deductible 450 5 Wood siding No
1963 140,000 Composition Roof 1,760 3 $2500-$5000 Deductible 50 1 Vinyl siding No
1983 195,000 Tile Roof 3,120 4 $500 Deductible 1210 12 Wood siding yes
1983 205,000 Shingles Roof 3,270 4 $2500-$5000 Deductible 400 3 Stone Siding No
2005 210,000 Metal Roof 3,260 5 $1000-$2500 Deductible 1060 8 Brick siding No
1961 120,000 Slate Shingles Roof 1,680 5 $500- $1000 Deductible 970 12 Stucco siding yes
2007 160,000 Wood Shake Roof 2,260 3 $500- $1000 Deductible 1260 10 Stone Siding yes
2009 110,000 Membrane Roof 1,530 2 $500- $1000 Deductible 390 6 Stucco siding No
1949 105,000 Wood Shake Roof 1,440 2 $2500-$5000 Deductible 60 1 Stucco siding No
1964 125,000 Shingles Roof 1,630 2 $1000-$2500 Deductible 230 3 Stone Siding yes
1940 125,000 Composition Roof 2,030 3 $1000-$2500 Deductible 650 10 Stone Siding No
1962 205,000 Tile Roof 3,380 4 > $10,000 Deductible 830 10 Fiber-Cement Siding yes
1988 100,000 Tile Roof 1,260 2 $500 Deductible 70 1 Stone Siding yes
1943 95,000 Shingles Roof 1,130 2 $1000-$2500 Deductible 100 2 Fiber-Cement Siding No
1980 410,000 Metal Roof 4,960 5 $500- $1000 Deductible 3170 10 Vinyl siding yes
2002 135,000 Slate Shingles Roof 2,170 3 $500- $1000 Deductible 110 2 Vinyl siding No
1982 210,000 Wood Shake Roof 3,130 4 $500 Deductible 990 6 Stucco siding No
2006 300,000 Shingles Roof 3,680 5 $500- $1000 Deductible 230 1 Stone Siding yes
2007 165,000 Shingles Roof 2,670 4 $2500-$5000 Deductible 960 10 Wood siding No
1948 235,000 Tile Roof 2,660 4 $500- $1000 Deductible 700 5 Stone Siding yes
1946 155,000 Shingles Roof 2,190 3 $1000-$2500 Deductible 530 6 Fiber-Cement Siding yes
1965 135,000 Asphalt Shingles Roof 2,000 3 $500 Deductible 250 3 Brick siding No
2002 390,000 Wood Shake Roof 4,270 5 $5000 to $10,000 Deductible 1270 8 Wood siding yes
1944 80,000 Wood Shake Roof 1,310 3 $500- $1000 Deductible 130 2 Fiber-Cement Siding No
2005 85,000 Metal Roof 1,070 2 $500 Deductible 490 10 Stucco siding yes
1940 235,000 Asphalt Shingles Roof 2,790 4 $5000 to $10,000 Deductible 1060 10 Wood siding No
1987 145,000 Metal Roof 1,570 3 $500 Deductible 310 4 Vinyl siding yes
1960 145,000 Membrane Roof 2,090 4 $1000-$2500 Deductible 510 8 Brick siding yes
1968 260,000 Wood Shake Roof 3,910 5 $500 Deductible 880 4 Wood siding No
1981 150,000 Metal Roof 1,650 2 $500 Deductible 700 6 Wood siding No
2008 95,000 Composition Roof 1,480 2 $500 Deductible 250 4 Stucco siding No