Gavop shows you how to buy homeowners insurance in White Bear, MN by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $100,000 | $80,000 | $75,000-$100,000 |
| 2 Bedroom | $262,500 | $240,000 | $250,000-$300,000 |
| 3 Bedroom | $387,000 | $330,000 | $350,000-$400,000 |
| 4 Bedroom | $428,000 | $390,000 | $350,000-$400,000 |
| 5 Bedroom | $769,000 | $680,000 | $800,000-$900,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$175 | $798 |
| Superior Protection Discount | -$88 | $885 |
| Fire & Security Discount | -$97 | $875 |
| Hail Resistant Roof Discount | -$19 | $953 |
| Newly Constructed Home Discount | -$195 | $778 |
| 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 |
| Ramsey County | $2,000 | $1,120 | $3,120 | $814 | $2,814 | $306 |
| White Bear, MN | $2,000 | $961 | $2,961 | $698 | $2,698 | $263 |
| Ham Lake, MN | $100 | $998 | $1,098 | $725 | $825 | $273 |
| Newport, MN | $2,000 | $1,132 | $3,132 | $823 | $2,823 | $309 |
| Rosemount, MN | $100 | $939 | $1,039 | $683 | $783 | $257 |
| Shafer, MN | $2,500 | $1,306 | $3,806 | $949 | $3,449 | $357 |
| Balsam Lake, WI | $300 | $711 | $1,011 | $517 | $817 | $194 |
| Ellsworth, WI | $2,000 | $635 | $2,635 | $462 | $2,462 | $174 |
| Big Lake, MN | $200 | $915 | $1,115 | $665 | $865 | $250 |
| New Market, MN | $2,500 | $2,034 | $4,534 | $1,478 | $3,978 | $556 |
| Spring Valley, WI | $300 | $582 | $882 | $423 | $723 | $159 |
| St. Lawrence, MN | $1,500 | $1,932 | $3,432 | $1,404 | $2,904 | $528 |
| Home Insurance Company White Bear, MN | Homeowners Insurance Agency White Bear, MN | Address | Popularity Score | Distance from White Bear (miles) |
|---|---|---|---|---|
| Travelers | The Insurance Shop | 4637 White Bear Pkwy, White Bear Lake, MN, 55110 | 1.8 | |
| Travelers | Carney Insurance Services | 944 Lake St South Forest Lake, Forest Lake, MN, 55025 | 11.8 | |
| State Farm | Jessica Thompson | 2436 Highway 10 Ste 110, Mounds View, MN, 55112-1482 | 7.8 | |
| Liberty Mutual Independent | Hal Tiffany Agency Inc | 2573 Hamline Ave N Ste B, Roseville, MN, 55113 | 8.6 | |
| Travelers | Maguire Agency | 1970 Oakcrest Ave Ste 300 St Paul, Roseville, MN, 55113 | 9.7 | |
| State Farm | Bruce Wagner | 2575 Hamline Ave N Ste A, Roseville, MN, 55113-3175 | 8.6 | |
| State Farm | Janet Symons | 3502 Shoreline Dr, Wayzata, MN, 55391-9719 | 31.0 | |
| Farmers | Wally Sheptak | 2489 Rice St Ste 180, Saint Paul, MN, 55113 | 7.1 | |
| State Farm | Brad Billings | 421 1st Ave E, Shakopee, MN, 55379-1462 | 32.1 | |
| Allstate | Tom Baecker | 3673 Lexington Ave N Ste E, Arden Hills, MN, 55126 | 6.9 |
| 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 |
| Ramsey County, MN | $208,700 | $1,134 | $830 | $1,550 | $720 |
| White Bear, MN | $261,100 | $973 | $650 | $1,330 | $680 |
| Ham Lake, MN | $280,000 | $1,010 | $680 | $1,380 | $700 |
| Newport, MN | $185,500 | $1,146 | $810 | $1,640 | $830 |
| Rosemount, MN | $249,600 | $951 | $660 | $1,300 | $640 |
| Shafer, MN | $244,300 | $1,322 | $910 | $1,890 | $980 |
| Balsam Lake, WI | $192,200 | $720 | $500 | $990 | $490 |
| Ellsworth, WI | $146,500 | $643 | $470 | $920 | $450 |
| Big Lake, MN | $172,500 | $926 | $670 | $1,270 | $600 |
| New Market, MN | $435,000 | $2,059 | $1,380 | $2,840 | $1,460 |
| Spring Valley, WI | $123,000 | $589 | $400 | $840 | $440 |
| St. Lawrence, MN | $417,600 | $1,955 | $1,310 | $2,720 | $1,410 |