Gavop tells you how to get the best homeowners insurance in St. Joseph, MN by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $74,500 | $60,000 | $50,000-$75,000 |
| 2 Bedroom | $132,000 | $110,000 | $150,000-$175,000 |
| 3 Bedroom | $230,000 | $190,000 | $250,000-$300,000 |
| 4 Bedroom | $306,500 | $250,000 | $250,000-$300,000 |
| 5 Bedroom | $427,500 | $390,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$123 | $754 |
| Superior Protection Discount | -$88 | $789 |
| Fire & Security Discount | -$79 | $798 |
| Hail Resistant Roof Discount | -$18 | $859 |
| Newly Constructed Home Discount | -$254 | $623 |
| 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 | $1,500 | $1,008 | $2,508 | $733 | $2,233 | $275 |
| St. Joseph, MN | $2,500 | $866 | $3,366 | $630 | $3,130 | $237 |
| Brockway, MN | $400 | $1,298 | $1,698 | $943 | $1,343 | $355 |
| Millwood, MN | $1,500 | $1,461 | $2,961 | $1,062 | $2,562 | $399 |
| Chatham, MN | $400 | $1,507 | $1,907 | $1,095 | $1,495 | $412 |
| Mille Lacs County, MN | $1,500 | $848 | $2,348 | $616 | $2,116 | $232 |
| Winsted, MN | $200 | $919 | $1,119 | $668 | $868 | $251 |
| South Fork, MN | $700 | $1,129 | $1,829 | $821 | $1,521 | $309 |
| Kandiyohi County, MN | $100 | $994 | $1,094 | $722 | $822 | $272 |
| Greenfield, MN | $700 | $1,820 | $2,520 | $1,323 | $2,023 | $497 |
| Ward, MN | $100 | $1,088 | $1,188 | $791 | $891 | $297 |
| Maple Plain, MN | $1,500 | $1,249 | $2,749 | $908 | $2,408 | $341 |
| Home Insurance Company St. Joseph, MN | Homeowners Insurance Agency St. Joseph, MN | Address | Popularity Score | Distance from St. Joseph (miles) |
|---|---|---|---|---|
| Travelers | Insurance Center Of Buffalo | 1200 N Hwy 25 , Buffalo, MN, 55313 | 36.4 | |
| Travelers | North Central Insurance Agency | 16854 Highway 10, Elk River, MN, 55330 | 41.8 | |
| State Farm | Wayne Swart | 19336 Highway 169, Elk River, MN, 55330-4645 | 39.8 | |
| State Farm | Kevin Gleitz | 370 Jackson Ave Nw, Elk River, MN, 55330-1804 | 40.1 | |
| Farmers | Sherece Cocco | 13355 George Weber Dr Ste A, Rogers, MN, 55374 | 45.1 | |
| Farmers | Mike Brant | 6957 Highway 10 Nw Ste 107, Anoka, MN, 55303 | 48.0 | |
| State Farm | Kevin Vanderwal | 21410 136th Ave Ste 104, Rogers, MN, 55374-4921 | 44.4 | |
| State Farm | Kim Kotzer | 132 Main St S, Hutchinson, MN, 55350-2507 | 46.3 | |
| Farmers | Mark Kelley | 300 E Saint Germain St Ste 260, Saint Cloud, MN, 56304 | 7.6 | |
| State Farm | Beth Riebel | 7962 Sunwood Dr Nw Ste 500, Ramsey, MN, 55303-5175 | 46.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Minnesota | $199,700 | $1,192 | $850 | $1,680 | $830 |
| Stearns County, MN | $171,300 | $1,020 | $680 | $1,410 | $730 |
| St. Joseph, MN | $157,000 | $877 | $640 | $1,210 | $570 |
| Brockway, MN | $241,400 | $1,314 | $910 | $1,870 | $960 |
| Millwood, MN | $300,000 | $1,479 | $1,080 | $2,030 | $950 |
| Chatham, MN | $315,000 | $1,525 | $1,100 | $2,100 | $1,000 |
| Mille Lacs County, MN | $151,400 | $858 | $620 | $1,190 | $570 |
| Winsted, MN | $129,800 | $930 | $680 | $1,280 | $600 |
| South Fork, MN | $184,600 | $1,143 | $820 | $1,580 | $760 |
| Kandiyohi County, MN | $167,000 | $1,006 | $730 | $1,390 | $660 |
| Greenfield, MN | $396,100 | $1,842 | $1,270 | $2,520 | $1,250 |
| Ward, MN | $172,400 | $1,101 | $780 | $1,510 | $730 |
| Maple Plain, MN | $223,700 | $1,264 | $900 | $1,810 | $910 |