How Can I Make My Ramsey, MN Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in Ramsey, MN by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
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Estimate Appropriate Ramsey, MN Home Insurance Coverage Levels | Back to Top
| Ramsey, MN - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 4 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| 140th Ct, Willemite Way NW, Krypton Ct NW, Traprock St NW, 146th Cir NW, Llama St NW, Sunwood Dr NW, Co Hwy 64, 137th Ave NW, 178th Ln NW | $184,000 | $160,000 | $200,000-$250,000 | $248,000 | $200,000 | $250,000-$300,000 |
| Jaspar St NW, Zirconium St NW, Vanadium St NW, 155th Ave NW, Ironstone St NW, 177th Ave NW, 172nd Ln NW, 154th Ter NW, 174th Ln NW, Iguana St NW | $203,000 | $180,000 | $200,000-$250,000 | $166,500 | $160,000 | $175,000-$200,000 |
| 169th Ave NW, Germanium Cir NW, Andrie Ct NW, 142nd Cir NW, Radium St NW, Sunfish Lake Dr, Jackal St NW, Hematite St NW, Puma St NW, St Andrews Ln NW | $200,500 | $170,000 | $150,000-$175,000 | $431,500 | $380,000 | $350,000-$400,000 |
| Quartz Way, Nutria St NW, 150th Ave NW, Barium St NW, Fluorine St NW, Magnesium St NW, Olivine St NW, Ferret St NW, Salish Cir, Alpine Dr | $242,000 | $220,000 | $200,000-$250,000 | $272,500 | $220,000 | $200,000-$250,000 |
| 158th Ct NW, Baugh St NW, Juniper Ridge Cir, Co Rd 57, 146th Cir NW, Inverness Ct, 154th Ave NW, Eland St NW, Limonite St, 146th Ln NW | $225,000 | $200,000 | $200,000-$250,000 | $304,500 | $250,000 | $250,000-$300,000 |
Estimate your Savings with Home Insurance Discounts in Ramsey, MN | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$170 | $724 |
| Superior Protection Discount | -$89 | $804 |
| Fire & Security Discount | -$71 | $822 |
| Hail Resistant Roof Discount | -$18 | $876 |
| Newly Constructed Home Discount | -$179 | $715 |
Choose your Ramsey, MN Home Insurance Coverage for your Specific Claim Requirement | Back to Top
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,854 |
| Physical Damage | $2,464 |
| Hail Damage | $4,853 |
| Wind Damage | $6,305 |
| Expensive Claims | |
| Fire | $46,016 |
| Smoke | $16,887 |
Identify Top Home Insurance Agents near Ramsey, MN | Back to Top
| Home Insurance Company Ramsey, MN | Homeowners Insurance Agency Ramsey, MN | Address | Popularity Score | Distance from Ramsey (miles) |
|---|---|---|---|---|
| State Farm | Dan Anderson | 3306 3rd Street N, Saint Cloud, MN, 56303-4123 | 41.8 | |
| State Farm | Kevin Vote | 11115 Crked Lk Blvd Nw, Coon Rapids, MN, 55433-3436 | 9.6 | |
| State Farm | Julie Bolt | 13412 Hanson Blvd Nw, Andover, MN, 55304-4011 | 7.7 | |
| State Farm | John Arens | 3259 Johnson St Ne, Minneapolis, MN, 55418-2275 | 19.2 | |
| Liberty Mutual Independent | Oakwood Insurance Agency | 2003 Nw Northdale Boulevard Coon Rapids, Coon Rapids, MN, 55433 | 8.5 | |
| Travelers | Insurance Brokers Of Mn Inc | 900 E Main St Ste 100, Anoka, MN, 55303 | 5.8 | |
| State Farm | Maria Dierkhising | 7091 Highway 65 Ne Ste 211, Fridley, MN, 55432-3344 | 15.3 | |
| State Farm | Tam Chau | 8729 Central Ave Ne, Blaine, MN, 55434 | 13.9 | |
| Farmers | David Witt | 45 Babcock Blvd, Delano, MN, 55328 | 22.9 | |
| State Farm | Rick Ronning | 12209 Champlin Dr Ste 101, Champlin, MN, 55316-1974 | 6.6 |
Compare Rates for Ramsey, 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 | $810 | $1,660 | $850 |
| Anoka County, MN | $205,000 | $1,123 | $750 | $1,550 | $800 |
| Ramsey, MN | $221,500 | $894 | $650 | $1,270 | $620 |
| Elk River, MN | $229,000 | $909 | $610 | $1,280 | $670 |
| Richfield, MN | $197,500 | $1,102 | $760 | $1,580 | $820 |
| West St. Paul, MN | $183,300 | $810 | $560 | $1,130 | $570 |
| South St. Paul, MN | $169,200 | $916 | $620 | $1,260 | $640 |
| Haven, MN | $222,100 | $1,259 | $920 | $1,780 | $860 |
| Carver, MN | $309,300 | $1,507 | $1,090 | $2,080 | $990 |
| Minden, MN | $188,700 | $1,157 | $780 | $1,590 | $810 |
| Lake St. Croix Beach, MN | $188,600 | $1,156 | $800 | $1,610 | $810 |
| Sand Creek, MN | $359,100 | $1,679 | $1,120 | $2,330 | $1,210 |
| Prescott, WI | $181,900 | $705 | $510 | $1,010 | $500 |
Research Home Insurance Companies Reviews in Ramsey, MN Before Buying | Back to Top
Share a review on your home insurance company
Farm Bureau Home Insurance Reviews
Date: April 12, 2019 Age: 20 to 29 Gender: Female Marital Status: Married
Premium
I am really very satisfied with our insurance company. The price is reasonable and fairly lower than local and big company competitors.
Date: April 11, 2019 Age: 20 to 29 Gender: Female Marital Status: Married
Customer Service
I am really very satisfied with our insurance company. They were really easy to work with in transitioning insurance needs through the process of building our home to moving in it.
Date: March 20, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Customer Service
Farm Bureau's customer service is pretty good. I called them just the other day and asked them to move my payment for me this month. They gladly did this with no questions asked.
Date: January 19, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Policy Offerings
I have a standard homeowner's insurance policy. From what I understand, my policy provides coverage that is standard in the industry.
Date: December 10, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Policy Offerings
I have used them for years and have great reates and have always been good with our coverage. I have shopped but ended up staying with them
Progressive Home Insurance Reviews
Date: April 04, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
Progressive Home advantage policies are placed through Progressive speciality insurance agency,Inc with affiliated and third party insures who are solely responsible for claims.
Date: March 17, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Policy Offerings
Im currently grandfathered in on a policy which has a fantastic deductable however the coverage isnt very great. I would like to upgrade my coverage but the deductables.
Nationwide Home Insurance Reviews
Date: April 01, 2019 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Customer Service
I called them once about a fire in my kitchen. They were very helpful and took all the information and had a adjuster to my house in 2 days. I had a check to get the work fixed in 4 days.
Date: March 27, 2019 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Policy Offerings
They offer a lot more than some other companies. I called around and the ones I have are cheaper for me and they offer things the other ones didnt. Like I wanted my home covered for flood.
State Farm Home Insurance Reviews
Date: March 04, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
The premium and deductible for our home insurance seemed very typical to other insurance companies when we initially signed up for the policy. It still is standard and competitive.
Date: October 29, 2018 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Communication
The customer service with my home insurance company is knowledgeable and polite. I have never had an issue with their customer service. The reps are quick to answer your questions and get you correct answers.
American Family Home Insurance Reviews
Date: April 24, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Policy Offerings
I am not familiar what they offer that others do not, but I am satisfied with what I am receiving now.
Country Financial Home Insurance Reviews
Date: March 08, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Customer Service
I haven't had any claims recently, but in the distant past, reimbursement was quick. I was able to obtain the reimbursement and return it when I did not use it.
Liberty Mutual Home Insurance Reviews
Date: April 19, 2019 Age: 20 to 29 Gender: Female Marital Status: Married
Policy Offerings
I would give it a 4 I suppose. I think every insurance carrier can find ways to match the prices of others, but Liberty seemed to be fairly upfront with the pricing options at least.
Allstate Home Insurance Reviews
Date: April 20, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Customer Service
My only experience thus far is when I signed up for my home insurance, but my customer service experience was top notch.
The Hartford Home Insurance Reviews
Date: March 12, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Customer Service
The experience with the policy is good, reliable, safe and responsible when it comes to solving problems