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.
| 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-$175,000 |
| Type | Discount ($) | 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 |
| 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 |
| 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 |
| 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 |