How Can I Make My Stearns County, MN Home Insurance Cheaper

Gavop's guide to buying homeowners insurance in Stearns 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.

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Estimate Appropriate Stearns County, MN Home Insurance Coverage Levels | Back to Top

Stearns County, MN - Neighbourhoods, Census Blocks & Streets 3 Bedroom 2 Bedroom
Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
Northwood Ln, 5th St NW, Cottage Cir, Saint Germain St W, Savanna Ct, Co Hwy 17, 302nd St, Wildwood Rd, Aspen Ln, 398th St $207,500 $180,000 $175,000-$200,000 $104,500 $90,000 $100,000-$125,000
332nd St, Co Rd 142, 53rd Ave, 133rd Ave, 188th Ave, 6th St, 151st Ave, Fifth Lake Rd, Gertrude St, Grant Ave $109,000 $90,000 $100,000-$125,000 $124,000 $110,000 $125,000-$150,000
11th St, 338th Ave, 180th Ave, Eagle Ridge Dr, Anderson Ave, 235th Ave, Elbow Dr, 335th St, Kale Ct, Westwood Pkwy $197,500 $170,000 $175,000-$200,000 $146,500 $130,000 $125,000-$150,000
235th St, Prosper Dr, Knottingham Dr, Glenwood Rd, 20th St N, 145th Ave, Pleasant Ave, Hoffman Ct, Overdale Rd, W Division St $171,000 $150,000 $150,000-$175,000 $156,000 $130,000 $125,000-$150,000
Glynn Rd, Forest Hill Rd, Sixth Ave SE, 3rd St SW, Co St Aid Hwy 38, 12th St, Cooper Ave S, 242nd St, Spring Creek Rd, Maple Ln $266,500 $230,000 $250,000-$300,000 $220,500 $180,000 $250,000-$300,000
Cary Ct, N 3rd St, Highland Dr, 313th Ave, 234th St, Tyrol Dr, 3rd St NW, W St Germain St, Co Rd 16, Rose Ave $154,000 $130,000 $150,000-$175,000 $142,000 $120,000 $150,000-$175,000
Angelfish Ave, Roe St S, Halliday Rd, Co Rd 164, 86th Ave, 427th St, 339th St, Collegeville Rd, 13th St S, Lilac Rd $246,500 $230,000 $200,000-$250,000 $146,500 $130,000 $150,000-$175,000
N 5th Ave E, Wellington Cir, 28th Ave, Quarry Rd, 353rd Ave, Deerberry Cir, 4th Ave SE, 260th Ave, Anna Ave, 444th St $279,500 $250,000 $300,000-$350,000 $126,000 $100,000 $100,000-$125,000
176th Ave, 3rd St SE, Co Hwy 120, Prairie Grass Dr, Rice Lake Rd, Clara St, Glade View Ct, 28th Ave S, Cross Creek Rd, Cooper Ave N $122,000 $110,000 $100,000-$125,000 $125,000 $110,000 $125,000-$150,000
275th St, Peeble Creek Dr, S 1st Ave W, 138th Ave, 10 1/2 Ave S, Dellwood Rd, Cedar St, Woodcrest Cir, 2nd St NW, Soo Rd 5 $144,500 $130,000 $150,000-$175,000 $167,000 $140,000 $150,000-$175,000

Estimate your Savings with Home Insurance Discounts in Stearns County, MN | Back to Top

Type Discount ($) Premium After Discount ($)
Multipolicy Discount -$163 $857
Superior Protection Discount -$102 $918
Fire & Security Discount -$112 $908
Hail Resistant Roof Discount -$20 $1,000
Newly Constructed Home Discount -$255 $765

Choose the Right Deductible for your Stearns County, 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
Stearns County $1,000 $1,008 $2,008 $733 $1,733 $275
Stearns County, MN $1,000 $1,008 $2,008 $733 $1,733 $275
Farming, MN $400 $1,299 $1,699 $944 $1,344 $355
Lake George, MN $2,500 $1,092 $3,592 $793 $3,293 $298
St. Cloud, MN $500 $947 $1,447 $688 $1,188 $259
Clear Lake, MN $700 $1,386 $2,086 $1,007 $1,707 $379
Gordon, MN $200 $1,080 $1,280 $785 $985 $295
Reynolds, MN $2,500 $1,063 $3,563 $773 $3,273 $291
Foley, MN $400 $940 $1,340 $683 $1,083 $257
Leslie, MN $1,500 $1,117 $2,617 $812 $2,312 $305
Camp Lake, MN $500 $824 $1,324 $599 $1,099 $225
Greenbush, MN $1,000 $1,091 $2,091 $793 $1,793 $298

Identify Top Home Insurance Agents near Stearns County, MN | Back to Top

Home Insurance Company Stearns County, MN Homeowners Insurance Agency Stearns County, MN Address Popularity Score Distance from Stearns County (miles)
Allstate Lake Region Agency 51 Main St S, New London, MN, 56273
23.9
Travelers Insurance Center Of Buffalo 1200 N Hwy 25 , Buffalo, MN, 55313
46.4
Travelers Insurance Brokers Of Mn 1014 Highway 55 East, Buffalo, MN, 55313
45.2
State Farm Mark Olson 124 Lake Blvd S, Buffalo, MN, 55313-1448
44.6
Travelers Insurance Brokers Of Mn 1500 Oak Grove Rd Ste 109, St Cloud, MN, 56301
20.3
Allstate Wendorff Insurance 6 North Franklin Street, Hutchinson, MN, 55350
47.3
Farmers Lawrence Krause 228 W Broadway St, Monticello, MN, 55362
43.2
State Farm Kristen Stebbins 1988 County Road 134, Saint Cloud, MN, 56303-0344
19.5
Farmers Mark Kelley 300 E Saint Germain St Ste 260, Saint Cloud, MN, 56304
22.2
Farmers John Koivisto 904 Highway 15 S, Hutchinson, MN, 55350
49.6

Compare Rates for Stearns County, MN Home Insurance Providers | Back to Top

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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 $1,700 $890
Stearns County, MN $171,300 $1,020 $680 $1,420 $740
Stearns County, MN $171,300 $1,020 $730 $1,410 $680
Farming, MN $241,700 $1,315 $960 $1,850 $890
Lake George, MN $173,500 $1,105 $760 $1,510 $750
St. Cloud, MN $145,500 $958 $650 $1,360 $710
Clear Lake, MN $273,600 $1,403 $1,010 $1,990 $980
Gordon, MN $170,200 $1,093 $740 $1,540 $800
Reynolds, MN $165,500 $1,076 $720 $1,520 $800
Foley, MN $134,500 $951 $680 $1,300 $620
Leslie, MN $180,900 $1,131 $770 $1,620 $850
Camp Lake, MN $110,000 $834 $590 $1,180 $590
Greenbush, MN $173,300 $1,104 $780 $1,580 $800

8 Ways to Get Discounts on Homeowners Insurance in Stearns County, MN

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