How Can I Make My St. Michael, MN Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in St. Michael, MN by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
Compare Quotes from Top Providers and Save now!
Select the Suitable Coverage Value for your St. Michael, MN Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $71,500 | $60,000 | $50,000-$75,000 |
| 2 Bedroom | $104,000 | $100,000 | $75,000-$100,000 |
| 3 Bedroom | $182,500 | $150,000 | $175,000-$200,000 |
| 4 Bedroom | $289,000 | $260,000 | $300,000-$350,000 |
| 5 Bedroom | $319,000 | $260,000 | $250,000-$300,000 |
Bundle your St. Michael, MN Auto & Home Insurance from the Same Company | Back to Top
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$73 | $843 |
| Home and Two Car | -$156 | $761 |
| Home and Three Car | -$211 | $706 |
Choose the Right Deductible for your St. Michael, MN Home | Back to Top
| 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 |
| Wright County | $1,000 | $1,128 | $2,128 | $820 | $1,820 | $308 |
| St. Michael, MN | $2,000 | $905 | $2,905 | $658 | $2,658 | $247 |
| Albertville, MN | $300 | $835 | $1,135 | $607 | $907 | $228 |
| Corinna, MN | $2,500 | $1,441 | $3,941 | $1,048 | $3,548 | $394 |
| Hilltop, MN | $100 | $137 | $237 | $100 | $200 | $38 |
| North Oaks, MN | $2,500 | $2,717 | $5,217 | $1,975 | $4,475 | $743 |
| Kingston, MN | $300 | $1,217 | $1,517 | $885 | $1,185 | $333 |
| Hamburg, MN | $700 | $981 | $1,681 | $713 | $1,413 | $268 |
| Sauk Rapids, MN | $500 | $856 | $1,356 | $622 | $1,122 | $234 |
| St. Joseph, MN | $700 | $866 | $1,566 | $630 | $1,330 | $237 |
| Sumter, MN | $500 | $1,209 | $1,709 | $879 | $1,379 | $330 |
| St. Marys Point, MN | $1,500 | $1,304 | $2,804 | $948 | $2,448 | $356 |
Identify Top Home Insurance Agents near St. Michael, MN | Back to Top
| Home Insurance Company St. Michael, MN | Homeowners Insurance Agency St. Michael, MN | Address | Popularity Score | Distance from St. Michael (miles) |
|---|---|---|---|---|
| Farmers | Brock Tatge | 312 Main St Nw, Elk River, MN, 55330 | 9.6 | |
| Liberty Mutual Independent | Mahowald Insurance Agency | 916 W Saint Germain St, Saint Cloud, MN, 56301 | 33.9 | |
| State Farm | Mary Trondson | 1215 Lagoon Ave S, Minneapolis, MN, 55408-2616 | 25.9 | |
| Allstate | Tom Baecker | 373 Pedersen St Ste 104, Saint Paul, MN, 55119 | 37.2 | |
| Liberty Mutual Independent | Oakwood Insurance Agency | 2003 Northdale Blvd Nw, Coon Rapids, MN, 55433 | 18.2 | |
| Farmers | Sherece Cocco | 13355 George Weber Dr Ste A, Rogers, MN, 55374 | 7.4 | |
| State Farm | Davina Baldwin | 6262 Boone Ave N, Brooklyn Park, MN, 55428-2729 | 17.2 | |
| Travelers | North Star Insurance Services | 601 Carlson Pkwy Ste 1050, Minnetonka, MN, 55305 | 19.0 | |
| State Farm | Bill Holker | 540 25th Ave N, Saint Cloud, MN, 56303-3255 | 34.9 | |
| Liberty Mutual Independent | Oakwood Insurance Agency Inc | 7862 Parrish Ave Ne Otsego, Elk River, MN, 55330 | 9.4 |
Compare Rates for St. Michael, MN Home Insurance Providers | Back to Top
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Minnesota | $199,700 | $1,192 | $850 | $1,640 | $790 |
| Wright County, MN | $211,500 | $1,142 | $830 | $1,560 | $730 |
| St. Michael, MN | $232,700 | $916 | $630 | $1,290 | $660 |
| Albertville, MN | $198,700 | $845 | $600 | $1,200 | $600 |
| Corinna, MN | $293,200 | $1,459 | $980 | $2,090 | $1,110 |
| Hilltop, MN | $11,900 | $139 | $100 | $190 | $90 |
| North Oaks, MN | $580,900 | $2,750 | $1,840 | $3,770 | $1,930 |
| Kingston, MN | $213,000 | $1,232 | $840 | $1,750 | $910 |
| Hamburg, MN | $144,200 | $993 | $710 | $1,410 | $700 |
| Sauk Rapids, MN | $154,000 | $867 | $620 | $1,230 | $610 |
| St. Joseph, MN | $157,000 | $877 | $640 | $1,200 | $560 |
| Sumter, MN | $210,200 | $1,224 | $840 | $1,690 | $850 |
| St. Marys Point, MN | $243,500 | $1,320 | $940 | $1,830 | $890 |
Research Home Insurance Companies Reviews in St. Michael, MN Before Buying | Back to Top
Share a review on your home insurance company
Allstate Home Insurance Reviews
Date: April 01, 2019 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Customer Service
I have used the same home insurance company All State for the past 15 years. I always get a real person when I call them on the phone to ask questions.
Date: November 25, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Policy Offerings
I think that they offer around the same things that other companies offer. We didn't really do that much research about it when we purchased our house. We mainly picked them because they were already our auto insurance provider.
State Farm Home Insurance Reviews
Date: February 21, 2019 Age: Above 60 Gender: Female Marital Status: Married
Premium
I didnt compare prices family nd friends like state farm so thats why I went with that company sometimes reputation is more important. The premiums seemed reasonable
Foremost Insurance Home Insurance Reviews
Date: October 26, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Communication
I really love that all information concerning our policy and any correspondence they have mailed us and any phone conversations and chat conversations are all available to view on their website, it's very convenient to re-visit anything and re-read it.