Kabetogama, MN Homeowners Insurance Rate Quotes!

Thank you for searching for Kabetogama homeowners insurance quotes online with GetHomeInsuranceQuotes.com. We can offer competitive rates for your home in Kabetogama, MN. Our quick quoting process allows homeowners to compare and review multiple coverage and policy options, we can usually help you compare the top 12 best rates in your area. Kabetogama is a great place to live and has over 183 homes that are currently insured by a standard homeowners policy. Although the Kabetogama population is 750, many homeowners have found that they are paying too much for a single family home and would like to make sure they have affordable coverage to help save them money on recent mortgage costs. Getting the right coverage provides the protection you need from expensive repairs that a fire, wind or theft may cause. Wouldn’t you like a dependable company to provide the financial support and reassurance you need if something happened to your home? Easily shop and compare up to 12 rate quotes all in one place.

Best Rates & Coverages in Kabetogama

Lowering your homeowners insurance rates is a big ticket item these days, as rates increase, we help you shop and compare the best rates and coverage options. Our free consulting process helps you get the answers you need fast to help make the best decision for your home and family. Average rates in Kabetogama are around $95 per month ($1,140/yr.). Homes less than 1800 square feet can see rates as low as $890 per year. Larger homes in Kabetogama cost more to insure so homeowners are paying around $1,440 a year, mainly because of the risk coverage needed to rebuild or replace the home.

Compare Homeowners Insurance Rates in Kabetogama, MN!

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Average Rates Nearby Kabetogama

Are you looking for homeowners insurance in a city near Kabetogama? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Kabetogama, MN

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Kabetogama.

56669,

Kabetogama, MN Home Insurance Average Premiums

Local Kabetogama, MN home insurance quotes comparison

$890 /yr.

Shows Kabetogama's lowest average rates with discounts applied.

For the city of Kabetogama, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:	Annual Premium
1800 sq. ft. or below (discounts applied)	$890 /yr.
Average Coverage:	$1140 /yr.
2600 sq. ft. or higher (all discounts applied)	$1440 /yr.

What is the average home insurance cost for a home in Kabetogama, MN?

• The average homeowners insurance premium paid annually for a home in Kabetogama is around $1140 per year.

What does it cost on average per month for home insurance in Kabetogama, MN?

• Homeowners in Kabetogama pay an average cost per month around $95.00 for insurance coverage.

Kabetogama, MN - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$244,853	$213,721
February	$246,467	$218,016
March	$248,542	$222,327
April	$250,071	$225,996

Homeowners insurance will help cover the cost to repair or replace your Kabetogama home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Kabetogama
Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.

Get up to 12 competitive Kabetogama, MN homeowners insurance rates all in one place!

Saving Money Tips on Kabetogama Home Insurance

A great way to save money on Kabetogama homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the Kabetogama area? Check out what homeowners are paying on average for Minnesota homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation	Details	Homeowners Tips
1164 ft.	This is the average home elevation in Kabetogama, MN	Did you know that the elevation in which your home resides is crucial to a home insurance policy because it determines the risk factor related to your home being in a flood zone. It is important to understand that your home is not covered for floods under a standard homeowners policy. You will need to speak with a local Minnesota flood insurance agent about a flood insurance policy, please give us a call now at 888-620-1954.

To get online quotes on your home and compare rates on home insurance premiums in Kabetogama, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Koochiching County.

Minnesota Homeowners Insurance News & Information

2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025
Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance. We thought it might be a good idea to look at some spring cleaning and maintenance […]
Homeowners Now Use This Strategy To Save Money on Home Insurance. Is It a Good Idea? Posted on Wednesday 26th March, 2025
According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone. Data from the Intercontinental Exchange (ICE) showed […]
Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025
According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid. Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]
2025 List of States Where Finding Home Insurance Is Most Difficult and Why Posted on Tuesday 11th March, 2025
Homeowners insurance is a necessity if you own a home, particularly if you are currently carrying a mortgage. Mortgage lenders require homeowners insurance to protect their investment in your home by always carrying homeowners insurance. If your insurance is cancelled or you are non-renewed it can be a huge problem. As wildfires and major windstorms […]
Will Citizens Policyholders See a Home Insurance Rate Decrease? Posted on Tuesday 11th March, 2025
Recently, Gov. Ron DeSantis announced that over 20% of Citizens property insurance policyholders will see a premium decrease of roughly 5.6%. DeSantis also claimed that almost 73% of homeowners who have a policy with Citizens in Miami-Dade County will see a rate reduction of 6.3% on average. The state-run insurer, Citizens Property is finally shedding […]

Kabetogama, MN Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Kabetogama so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Kabetogama, MN?

- The average square footage in Kabetogama is around 845 Sq. Ft. which would cost you around $158,800 to replace the home if you base the home on the price to build per square foot of $188.

Minimum Replacement Cost Total: $158,800

Location: Kabetogama, Minnesota (Koochiching County)

Average Building Cost Per Square Foot in Kabetogama: $188 (low end)

Average Square Footage in Kabetogama: 845 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$188	$158,800
Some Additional Upgrades	$235	$198,500
Major Home Updates or Advancements	$282	$238,200

Calculate Your Kabetogama, MN Dwelling Coverage

The dwelling coverage is calculated by the average cost per square foot ($188) in Kabetogama, Minnesota times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $587,500 (Media price to build of $235 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.