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The issues listed mainly affect Karlstad, MN Home Insurance Rates & getting on top of them can keep your costs really cheap.

Replacement Value of your home in Karlstad, MN is the biggest driver of your coverage & home insurance.

Here is a list of replacement costs & home insurance for Karlstad, MN & nearby areas

Place Typical Home Size Replacement Cost Monthly Home Insurance Cost
Karlstad 3 Beds, 2 Baths, 1820 sqft $108,000 $66
Joliette, ND 3 Beds, 1 Bath, 1,860 sqft $109,000 $52
Mud Lake 2 Beds, 1 Bath, 960 sqft $61,000 $35
Lancaster 4 Beds, 1 Bath, 1,760 sqft $125,000 $60
Alma 2 Beds, 1 Bath, 1,440 sqft $72,000 $53
Percy 2 Beds, 1 Bath, 1,700 sqft $72,000 $48
Veldt 3 Beds, 2 Baths, 1,940 sqft $70,000 $46
Davis 2 Beds, 1 Bath, 980 sqft $72,000 $45
Poplar Grove 4 Beds, 1 Bath, 2,300 sqft $89,000 $62
Wylie 3 Beds, 2 Baths, 2,290 sqft $146,000 $83
Kratka 4 Beds, 1 Bath, 1,760 sqft $99,000 $59
Tabor 4 Beds, 1 Bath, 3,050 sqft $164,000 $56
Martin, ND 4 Beds, 1 Bath, 2,080 sqft $84,000 $81
New Maine 3 Beds, 1 Bath, 2,280 sqft $115,000 $85
St. Hilaire 4 Beds, 1 Bath, 2,620 sqft $117,000 $59
Malung 2 Beds, 1 Bath, 1,650 sqft $133,000 $60
Spruce Valley 2 Beds, 1 Bath, 1,250 sqft $77,000 $37
Oak Park 4 Beds, 2 Baths, 2,250 sqft $158,000 $75
Walshville, ND 3 Beds, 1 Bath, 2,180 sqft $121,000 $73
Skane 4 Beds, 3 Baths, 2,370 sqft $110,000 $75
St. Andrews, ND 3 Beds, 1 Bath, 1,340 sqft $105,000 $53

If your Karlstad, MN home has prior claims, your insurance is likelier to be higher

Here are some typical claims filed in Karlstad:

Claim Typical Claim Amount
MYSTERIOUS DISAPPEARANCE $1,500
WATER DAMAGE $6,500
HAIL $8,000

Your Karlstad, MN insurance agent (see examples below) can help with your claims.

  • Travelers: Kalstad Insurance Agency Inc, 201 s main, Karlstad, MN, 56732 218-436-2172
  • State Farm: Bob Carlson, 115 cleveland avenue, Karlstad, MN, 56732 218-436-2241

Your Background Impacts Your Home Insurance Quotes

Here is a list of Karlstad, MN homeowners with differing backgrounds & their changing home insurance.

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Retired 550-599 Credit Score <$25,000 3 Pets, Smoker $800
Unemployed 500-549 Credit Score <$25,000 No Pets, Non-Smoker $250
Freelancer 650-699 Credit Score $75 to $100,000 2 Pets, Smoker $60