Gavop's guide to buying homeowners insurance in Orono, 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 | $194,500 | $160,000 | $175,000-$200,000 |
| 2 Bedroom | $397,500 | $350,000 | $300,000-$350,000 |
| 3 Bedroom | $417,500 | $370,000 | $300,000-$350,000 |
| 4 Bedroom | $911,000 | $860,000 | $900,000-$1,000,000 |
| 5 Bedroom | $1,272,000 | $1,040,000 | More than 10,000,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$70 | $803 |
| Home and Two Car | -$140 | $733 |
| Home and Three Car | -$218 | $655 |
| 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 |
| Hennepin County | $2,000 | $1,217 | $3,217 | $885 | $2,885 | $333 |
| Orono, MN | $2,000 | $862 | $2,862 | $627 | $2,627 | $236 |
| Wayzata, MN | $100 | $2,289 | $2,389 | $1,664 | $1,764 | $626 |
| Minnetrista, MN | $2,500 | $1,080 | $3,580 | $785 | $3,285 | $295 |
| Credit River, MN | $200 | $1,003 | $1,203 | $729 | $929 | $274 |
| White Bear Lake, MN | $2,500 | $849 | $3,349 | $617 | $3,117 | $232 |
| Jessenland, MN | $400 | $1,330 | $1,730 | $966 | $1,366 | $363 |
| Collinwood, MN | $2,500 | $1,324 | $3,824 | $962 | $3,462 | $362 |
| Cordova, MN | $200 | $1,304 | $1,504 | $948 | $1,148 | $356 |
| Glendorado, MN | $2,500 | $1,278 | $3,778 | $929 | $3,429 | $349 |
| Litchfield, MN | $100 | $745 | $845 | $542 | $642 | $204 |
| Oak Grove, WI | $700 | $830 | $1,530 | $603 | $1,303 | $227 |
| Home Insurance Company Orono, MN | Homeowners Insurance Agency Orono, MN | Address | Popularity Score | Distance from Orono (miles) |
|---|---|---|---|---|
| Farmers | Patrick Kelly | 7401 Metro Blvd Ste 525, Edina, MN, 55439 | 13.2 | |
| State Farm | Jerry Stanke | 13100 Wayzata Blvd Ste 110, Minnetonka, MN, 55305-1803 | 7.0 | |
| State Farm | Mary Trondson | 1215 Lagoon Ave S, Minneapolis, MN, 55408-2616 | 14.4 | |
| Travelers | Ameristar Agency Inc | 800 E Wayzata Blvd Ste 250, Wayzata, MN, 55391 | 4.0 | |
| Travelers | Affiliated Insurance Services Llc | 12805 Highway 55 Ste 212, Plymouth, MN, 55441 | 7.6 | |
| State Farm | Jon Fransway | 16315 Terrey Pine Dr Ste 200, Eden Prairie, MN, 55344-2119 | 8.6 | |
| Liberty Mutual Independent | American Agency Inc | 5851 Cedar Lake Rd S St Louis Park, St. Louis Park, MN, 55416 | 11.4 | |
| Farmers | Matthew Darmody | 8441 Wayzata Blvd Ste 220, Minneapolis, MN, 55426 | 9.8 | |
| Travelers | Richfield State Insurance | 6625 Lyndale Ave South #410, Richfield, MN, 55423 | 15.7 | |
| Farmers | Craig Pearson | 13911 Ridgedale Dr Ste 253, Minnetonka, MN, 55305 | 6.5 |
| 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 | $1,660 | $810 |
| Hennepin County, MN | $245,400 | $1,232 | $850 | $1,750 | $900 |
| Orono, MN | $563,700 | $873 | $590 | $1,210 | $620 |
| Wayzata, MN | $471,500 | $2,317 | $1,580 | $3,170 | $1,590 |
| Minnetrista, MN | $445,900 | $1,093 | $800 | $1,510 | $710 |
| Credit River, MN | $400,400 | $1,015 | $730 | $1,400 | $670 |
| White Bear Lake, MN | $204,900 | $859 | $580 | $1,210 | $630 |
| Jessenland, MN | $253,100 | $1,346 | $900 | $1,840 | $940 |
| Collinwood, MN | $250,800 | $1,340 | $900 | $1,850 | $950 |
| Cordova, MN | $243,800 | $1,320 | $900 | $1,820 | $920 |
| Glendorado, MN | $234,200 | $1,294 | $890 | $1,850 | $960 |
| Litchfield, MN | $122,900 | $754 | $510 | $1,050 | $540 |
| Oak Grove, WI | $303,300 | $840 | $570 | $1,190 | $620 |