Gavop shows you how to buy homeowners insurance in Houston County, MN by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $57,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $108,000 | $100,000 | $75,000-$100,000 |
| 3 Bedroom | $170,500 | $160,000 | $150,000-$175,000 |
| 4 Bedroom | $175,000 | $160,000 | $125,000-$150,000 |
| 5 Bedroom | $188,000 | $160,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$126 | $774 |
| Superior Protection Discount | -$90 | $810 |
| Fire & Security Discount | -$99 | $801 |
| Hail Resistant Roof Discount | -$18 | $882 |
| Newly Constructed Home Discount | -$207 | $693 |
| 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 |
| Houston County | $2,500 | $889 | $3,389 | $646 | $3,146 | $243 |
| Houston County, MN | $2,000 | $889 | $2,889 | $646 | $2,646 | $243 |
| Union, MN | $300 | $1,360 | $1,660 | $989 | $1,289 | $372 |
| Brice Prairie, WI | $1,500 | $668 | $2,168 | $485 | $1,985 | $183 |
| Homer, MN | $100 | $1,272 | $1,372 | $924 | $1,024 | $347 |
| Lanesboro, MN | $1,000 | $961 | $1,961 | $699 | $1,699 | $263 |
| West Salem, WI | $300 | $680 | $980 | $494 | $794 | $186 |
| Pilot Mound, MN | $700 | $1,421 | $2,121 | $1,032 | $1,732 | $388 |
| Stockton, MN | $400 | $1,038 | $1,438 | $755 | $1,155 | $284 |
| Fountain, MN | $1,500 | $886 | $2,386 | $644 | $2,144 | $242 |
| Bristol, MN | $500 | $1,213 | $1,713 | $882 | $1,382 | $332 |
| Forestville, MN | $1,000 | $1,118 | $2,118 | $813 | $1,813 | $306 |
| Home Insurance Company Houston County, MN | Homeowners Insurance Agency Houston County, MN | Address | Popularity Score | Distance from Houston County (miles) |
|---|---|---|---|---|
| Allstate | Ross Harrison | 103 W Broadway St, Winona, MN, 55987 | 27.3 | |
| State Farm | Micah Hanson | 310 S Mill St Ste 110, Rushford, MN, 55971-8824 | 15.9 | |
| Farmers | April Carrier | 702 Mankato Ave Ste 200, Winona, MN, 55987 | 26.2 | |
| Farmers | Brett Schmit | 1159 Gilmore Ave Ste 1, Winona, MN, 55987 | 27.6 | |
| State Farm | Jack Warnemunde | 127 Johnson St, Winona, MN, 55987-3428 | 27.6 | |
| Farmers | Curt Glenna | 118 W 4th St, Winona, MN, 55987 | 27.5 | |
| State Farm | Tim Buswell | 108 E Grove St, Caledonia, MN, 55921-1304 | 2.3 | |
| State Farm | Rick Bell | 216 Main St S, Chatfield, MN, 55923-1225 | 36.5 | |
| State Farm | Duane Fakler | 1201 Gilmore Ave, Winona, MN, 55987-2424 | 27.6 | |
| State Farm | Chuck Foerster | 306 Main St Ste 2, La Crescent, MN, 55947-1828 | 14.9 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Minnesota | $199,700 | $1,192 | $860 | $1,680 | $820 |
| Houston County, MN | $164,200 | $900 | $610 | $1,280 | $670 |
| Houston County, MN | $164,200 | $900 | $600 | $1,230 | $630 |
| Union, MN | $264,400 | $1,377 | $920 | $1,970 | $1,050 |
| Brice Prairie, WI | $163,500 | $676 | $490 | $940 | $450 |
| Homer, MN | $231,700 | $1,287 | $880 | $1,780 | $900 |
| Lanesboro, MN | $139,600 | $973 | $670 | $1,340 | $670 |
| West Salem, WI | $170,700 | $688 | $460 | $950 | $490 |
| Pilot Mound, MN | $286,100 | $1,438 | $960 | $2,040 | $1,080 |
| Stockton, MN | $158,700 | $1,051 | $750 | $1,500 | $750 |
| Fountain, MN | $122,600 | $897 | $600 | $1,240 | $640 |
| Bristol, MN | $211,500 | $1,228 | $880 | $1,760 | $880 |
| Forestville, MN | $181,300 | $1,132 | $800 | $1,570 | $770 |