Home Insurance in Duluth

Home insurance in Duluth protects your biggest asset and gives you peace of mind.
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Protect Your Home and Assets With Home Insurance in Duluth

Sitting on the border of Wisconsin and Minnesota, Duluth features beautiful sunrises over Lake Superior. As the third largest inland port in the United States, the town relies heavily on the shipping industry. During the summer, outdoor recreation activities abound for residents and tourists alike. This medium-sized town is a great place to set down roots. Protect your home with home insurance in Duluth by comparing policies with VIU by HUB.

Duluth - Demographics and Economy

With a population of about 87,000, Duluth has one of the highest education levels in the United States. Over 40% of the residents have at least a bachelor's degree. It is known as a college town, but the community has a lot to offer residents of all ages.

Healthcare is the biggest industry by occupation, but outdoor recreation is one of the most popular reasons people come to and stay in Duluth. A little over 60% of residents own their homes. Duluth is considered a historic town due to many homes in the community built before World War II. Home insurance in Duluth is a financial safeguard for houses of all ages.

Risks Your Duluth Home Faces

Weather is a big risk in Duluth that can damage your home. Winters are long and cold, often beginning as early as September and ending in May. Snowstorms can damage roofs and other structures on your property. Summers are pleasant, with temperatures rarely going over 90F.

In 2012, Duluth received over 9 inches of rain in about 30 hours. It was the worst flood in its history, causing more than $100 million in damages largely due to the stormwater system failing. Today, about 17% of homes are at risk of flooding.

Another risk that a Duluth home faces is wildfires. About 58% of homes may experience wildfire damage over the next 30 years. Although the crime rate is fairly low, property crime is another risk for homeowners. Home insurance in Duluth covers certain perils that can damage your largest investment.

Assess Your Home Insurance Needs in Duluth

Home insurance in Duluth costs an average of about $1,600 per year. Home insurance rates vary due to many different factors, from the location of your home to your credit score. The size of your home will be factored into the cost of a policy. Minnesota does not require home insurance by law, but lenders do require home insurance when you have a mortgage.

It's important to compare coverage and to understand what is and isn't covered by your policy. You may need additional policies that address other perils typically not covered by a standard policy, such as floods or wildfires.

Have Peace of Mind With Home Insurance in Duluth

For most people, their home is their biggest investment. Home insurance in Duluth offers financial security. If your home is damaged by a fire or storm, insurance steps in and covers you financially to make sure you have a place to live. Don't just look at the cost but also the coverage to find the right fit to suit your needs.

You should also consider the customer service experience and financial stability of your insurer. Comparing home insurance policies doesn't have to be difficult when you use VIU by HUB to get unbiased advice from experienced advisors.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


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