Gavop's guide to buying homeowners insurance in St. Francis, 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 | $74,000 | $60,000 | $50,000-$75,000 |
| 2 Bedroom | $140,500 | $130,000 | $150,000-$175,000 |
| 3 Bedroom | $183,500 | $160,000 | $150,000-$175,000 |
| 4 Bedroom | $216,000 | $190,000 | $200,000-$250,000 |
| 5 Bedroom | $315,500 | $270,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$176 | $749 |
| Superior Protection Discount | -$92 | $832 |
| Fire & Security Discount | -$74 | $851 |
| Hail Resistant Roof Discount | -$18 | $906 |
| Newly Constructed Home Discount | -$250 | $675 |
| 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 |
| Isanti County | $1,500 | $1,013 | $2,513 | $737 | $2,237 | $277 |
| St. Francis, MN | $700 | $914 | $1,614 | $664 | $1,364 | $250 |
| Isanti, MN | $500 | $834 | $1,334 | $606 | $1,106 | $228 |
| Brooklyn Center, MN | $1,500 | $970 | $2,470 | $705 | $2,205 | $265 |
| Robbinsdale, MN | $500 | $1,086 | $1,586 | $789 | $1,289 | $297 |
| Maywood, MN | $1,000 | $1,246 | $2,246 | $905 | $1,905 | $340 |
| Marine on St. Croix, MN | $200 | $1,715 | $1,915 | $1,246 | $1,446 | $469 |
| Waverly, MN | $2,000 | $1,075 | $3,075 | $781 | $2,781 | $294 |
| Howard Lake, MN | $200 | $941 | $1,141 | $684 | $884 | $257 |
| Dailey, MN | $1,000 | $905 | $1,905 | $658 | $1,658 | $247 |
| Waconia, MN | $400 | $969 | $1,369 | $704 | $1,104 | $265 |
| Roberts, WI | $2,000 | $641 | $2,641 | $466 | $2,466 | $175 |
| Home Insurance Company St. Francis, MN | Homeowners Insurance Agency St. Francis, MN | Address | Popularity Score | Distance from St. Francis (miles) |
|---|---|---|---|---|
| Travelers | Ace Insurance Agency Llc | 415 Cedar Ave S, Minneapolis, MN, 55454 | 30.2 | |
| State Farm | Kimberly Nybo | 4634 Central Ave Ne, Columbia Heights, MN, 55421-2400 | 24.6 | |
| Travelers | Tri-County Insurance | 800 Industrial Drive S., #206 Sauk Rapids, Sauk Rapids, MN, 56379 | 39.4 | |
| State Farm | Heather Kielpinski | 2707 Lincoln Dr, Roseville, MN, 55113-1334 | 27.7 | |
| Farmers | Daniel Oliver | 7400 Metro Blvd Ste 335, Edina, MN, 55439 | 36.5 | |
| State Farm | Tony Hoaglund | 11351 Aquila Dr N, Champlin, MN, 55316-3857 | 16.4 | |
| State Farm | Joan Roisum | 7300 France Ave S Ste 220, Edina, MN, 55435-4542 | 36.4 | |
| Liberty Mutual Independent | Oakwood Insurance Agency | 2003 Nw Northdale Boulevard Coon Rapids, Coon Rapids, MN, 55433 | 15.2 | |
| State Farm | Paul Mccarthy | 11200 Stillwtr Blvd N Ste 107, Lake Elmo, MN, 55042-8625 | 36.5 | |
| Allstate | Jeffrey Hunstiger | 607 County Road 10 Ne Ste 103, Blaine, MN, 55434 | 19.5 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Minnesota | $199,700 | $1,192 | $800 | $1,630 | $830 |
| Isanti County, MN | $172,900 | $1,026 | $730 | $1,460 | $730 |
| St. Francis, MN | $172,300 | $925 | $630 | $1,290 | $660 |
| Isanti, MN | $147,200 | $844 | $620 | $1,160 | $540 |
| Brooklyn Center, MN | $151,500 | $982 | $720 | $1,390 | $670 |
| Robbinsdale, MN | $171,800 | $1,099 | $760 | $1,520 | $760 |
| Maywood, MN | $222,700 | $1,261 | $860 | $1,790 | $930 |
| Marine on St. Croix, MN | $373,000 | $1,736 | $1,180 | $2,450 | $1,270 |
| Waverly, MN | $168,700 | $1,088 | $780 | $1,510 | $730 |
| Howard Lake, MN | $134,700 | $952 | $650 | $1,310 | $660 |
| Dailey, MN | $126,600 | $916 | $630 | $1,300 | $670 |
| Waconia, MN | $265,300 | $981 | $710 | $1,400 | $690 |
| Roberts, WI | $149,500 | $649 | $430 | $920 | $490 |