Gavop's guide to buying homeowners insurance in Benton County, 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 | $63,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $139,000 | $110,000 | $125,000-$150,000 |
| 3 Bedroom | $252,000 | $210,000 | $250,000-$300,000 |
| 4 Bedroom | $273,000 | $240,000 | $300,000-$350,000 |
| 5 Bedroom | $485,000 | $450,000 | $500,000-$600,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$158 | $832 |
| Superior Protection Discount | -$99 | $891 |
| Fire & Security Discount | -$99 | $891 |
| Hail Resistant Roof Discount | -$20 | $971 |
| Newly Constructed Home Discount | -$258 | $733 |
| 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 |
| Benton County | $2,500 | $979 | $3,479 | $711 | $3,211 | $267 |
| Benton County, MN | $1,500 | $979 | $2,479 | $711 | $2,211 | $267 |
| Maywood, MN | $500 | $1,246 | $1,746 | $905 | $1,405 | $340 |
| Le Sauk, MN | $2,500 | $1,210 | $3,710 | $880 | $3,380 | $331 |
| St. Stephen, MN | $500 | $1,058 | $1,558 | $769 | $1,269 | $289 |
| Zimmerman, MN | $2,500 | $881 | $3,381 | $641 | $3,141 | $241 |
| Platte, MN | $200 | $1,139 | $1,339 | $828 | $1,028 | $311 |
| Albion, MN | $1,000 | $1,416 | $2,416 | $1,029 | $2,029 | $387 |
| Isanti County, MN | $500 | $1,013 | $1,513 | $737 | $1,237 | $277 |
| St. Martin, MN | $2,500 | $1,205 | $3,705 | $876 | $3,376 | $329 |
| Wright County, MN | $200 | $1,128 | $1,328 | $820 | $1,020 | $308 |
| Grass Lake, MN | $1,000 | $1,038 | $2,038 | $755 | $1,755 | $284 |
| Home Insurance Company Benton County, MN | Homeowners Insurance Agency Benton County, MN | Address | Popularity Score | Distance from Benton County (miles) |
|---|---|---|---|---|
| State Farm | Paul Hanson | 1269 2nd St N Ste 100, Sauk Rapids, MN, 56379-3501 | 10.4 | |
| State Farm | Jana Chuinard | 2012 1st Ave, Anoka, MN, 55303-2244 | 45.7 | |
| Travelers | North Suburban Agencies Inc | 11421 Hanson Boulevard Northwest Coon Rapids, Coon Rapids, MN, 55433 | 49.1 | |
| Farmers | Lawrence Krause | 228 W Broadway St, Monticello, MN, 55362 | 29.0 | |
| Farmers | Mike Brant | 6957 Highway 10 Nw Ste 107, Anoka, MN, 55303 | 42.6 | |
| Farmers | Mary Olmscheid | 103 State Street, Elrosa, MN, 56325 | 46.8 | |
| State Farm | Randy Sonnenfeld | 13630 Grove Dr, Maple Grove, MN, 55311-4404 | 49.1 | |
| State Farm | Troy Beckman | 3841 St Francis Blvd Ste 102, Anoka, MN, 55303-1074 | 44.3 | |
| State Farm | Pat May | 3366 Bunkr Lk Blvd Nw Ste 3, Andover, MN, 55304-3507 | 45.9 | |
| State Farm | Curt Hotzler | 9325 Upland Ln N Ste 250, Maple Grove, MN, 55369-4487 | 47.2 |
| 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 | $1,700 | $850 |
| Benton County, MN | $162,600 | $990 | $700 | $1,360 | $660 |
| Benton County, MN | $162,600 | $990 | $720 | $1,370 | $650 |
| Maywood, MN | $222,700 | $1,261 | $870 | $1,750 | $880 |
| Le Sauk, MN | $210,400 | $1,225 | $850 | $1,700 | $850 |
| St. Stephen, MN | $164,000 | $1,071 | $770 | $1,510 | $740 |
| Zimmerman, MN | $161,800 | $892 | $630 | $1,240 | $610 |
| Platte, MN | $187,500 | $1,153 | $780 | $1,630 | $850 |
| Albion, MN | $284,100 | $1,433 | $990 | $1,960 | $970 |
| Isanti County, MN | $172,900 | $1,026 | $730 | $1,470 | $740 |
| St. Martin, MN | $208,800 | $1,220 | $890 | $1,730 | $840 |
| Wright County, MN | $211,500 | $1,142 | $830 | $1,610 | $780 |
| Grass Lake, MN | $158,900 | $1,051 | $770 | $1,440 | $670 |