Gavop's guide to buying homeowners insurance in Waseca, MN covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $41,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $66,500 | $60,000 | $50,000-$75,000 |
| 3 Bedroom | $80,000 | $70,000 | $50,000-$75,000 |
| 4 Bedroom | $157,000 | $130,000 | $150,000-$175,000 |
| 5 Bedroom | $265,500 | $230,000 | $200,000-$250,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$67 | $680 |
| Home and Two Car | -$127 | $620 |
| Home and Three Car | -$172 | $575 |
| 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 |
| Waseca County | $1,000 | $837 | $1,837 | $608 | $1,608 | $229 |
| Waseca, MN | $2,500 | $738 | $3,238 | $536 | $3,036 | $202 |
| Owatonna, MN | $500 | $847 | $1,347 | $616 | $1,116 | $232 |
| Havana, MN | $2,000 | $1,299 | $3,299 | $944 | $2,944 | $355 |
| Blooming Prairie, MN | $200 | $858 | $1,058 | $623 | $823 | $234 |
| Hollandale, MN | $2,500 | $775 | $3,275 | $563 | $3,063 | $212 |
| Lyra, MN | $300 | $1,121 | $1,421 | $815 | $1,115 | $306 |
| Nunda, MN | $1,500 | $1,007 | $2,507 | $732 | $2,232 | $275 |
| Lake Mills, IA | $200 | $714 | $914 | $519 | $719 | $195 |
| Jo Daviess, MN | $700 | $942 | $1,642 | $684 | $1,384 | $257 |
| Vermillion, MN | $200 | $1,490 | $1,690 | $1,083 | $1,283 | $407 |
| Truman, MN | $1,000 | $621 | $1,621 | $452 | $1,452 | $170 |
| Home Insurance Company Waseca, MN | Homeowners Insurance Agency Waseca, MN | Address | Popularity Score | Distance from Waseca (miles) |
|---|---|---|---|---|
| Travelers | Miller-Hartwig Insurance | 20960 Holyoke Ave, Lakeville, MN, 55044 | 41.0 | |
| Allstate | Bradley Reiland | 175 1st Ave E, Shakopee, MN, 55379 | 49.5 | |
| Travelers | Kraus Anderson Insurance | 420 Gateway Blvd, Burnsville, MN, 55337 | 48.9 | |
| Allstate | Citizens Agency | Po Box 669 , New Ulm, MN, 56073 | 48.5 | |
| Farmers | Eric Rauh | 8604 Eagle Creek Cir, Savage, MN, 55378 | 47.9 | |
| State Farm | Judy Plemel | 920 Hoffman Dr Ste 1, Owatonna, MN, 55060-1190 | 13.5 | |
| Farmers | Julie Muelken | 16228 Main Ave Se, Prior Lake, MN, 55372 | 43.8 | |
| State Farm | Brian Busch | 2000 Old Co Road 34 At Hwys 5 And 13, Burnsville, MN, 55337-6661 | 48.6 | |
| Farmers | Mark Johnson | 8500 210th St W, Lakeville, MN, 55044 | 41.0 | |
| Travelers | Waseca Agency | 108 2nd St Ne # 370, Waseca, MN, 56093 | 0.4 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Minnesota | $199,700 | $1,192 | $800 | $1,700 | $900 |
| Waseca County, MN | $147,800 | $847 | $580 | $1,170 | $590 |
| Waseca, MN | $120,900 | $747 | $540 | $1,030 | $490 |
| Owatonna, MN | $151,000 | $858 | $620 | $1,220 | $600 |
| Havana, MN | $241,900 | $1,315 | $930 | $1,810 | $880 |
| Blooming Prairie, MN | $116,600 | $868 | $620 | $1,240 | $620 |
| Hollandale, MN | $100,400 | $784 | $540 | $1,120 | $580 |
| Lyra, MN | $182,200 | $1,135 | $830 | $1,580 | $750 |
| Nunda, MN | $150,600 | $1,019 | $700 | $1,440 | $740 |
| Lake Mills, IA | $106,000 | $723 | $530 | $1,020 | $490 |
| Jo Daviess, MN | $135,000 | $953 | $640 | $1,320 | $680 |
| Vermillion, MN | $309,800 | $1,508 | $1,100 | $2,160 | $1,060 |
| Truman, MN | $74,400 | $629 | $430 | $890 | $460 |