How Can I Make My Lakeville, MN Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Lakeville, 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.
Compare Quotes from Top Providers and Save now!
Select the Suitable Coverage Value for your Lakeville, MN Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $83,000 | $70,000 | $50,000-$75,000 |
| 2 Bedroom | $140,500 | $120,000 | $150,000-$175,000 |
| 3 Bedroom | $150,000 | $120,000 | $150,000-$175,000 |
| 4 Bedroom | $373,000 | $300,000 | $400,000-$500,000 |
| 5 Bedroom | $549,500 | $500,000 | $400,000-$500,000 |
Estimate your Savings with Home Insurance Discounts in Lakeville, MN | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$190 | $1,079 |
| Superior Protection Discount | -$114 | $1,156 |
| Fire & Security Discount | -$114 | $1,156 |
| Hail Resistant Roof Discount | -$38 | $1,232 |
| Newly Constructed Home Discount | -$368 | $902 |
Choose the Right Deductible for your Lakeville, MN Home | Back to Top
| 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 |
| Dakota County | $2,000 | $1,198 | $3,198 | $871 | $2,871 | $327 |
| Lakeville, MN | $2,000 | $1,255 | $3,255 | $912 | $2,912 | $343 |
| Webster, MN | $100 | $1,556 | $1,656 | $1,131 | $1,231 | $425 |
| Jordan, MN | $2,000 | $846 | $2,846 | $615 | $2,615 | $231 |
| St. Lawrence, MN | $300 | $1,932 | $2,232 | $1,404 | $1,704 | $528 |
| Hennepin County, MN | $2,000 | $1,217 | $3,217 | $885 | $2,885 | $333 |
| Hilltop, MN | $100 | $137 | $237 | $100 | $200 | $38 |
| Brooklyn Park, MN | $1,500 | $1,079 | $2,579 | $784 | $2,284 | $295 |
| Mahtomedi, MN | $500 | $1,052 | $1,552 | $764 | $1,264 | $287 |
| Arlington, MN | $700 | $856 | $1,556 | $622 | $1,322 | $234 |
| Mazeppa, MN | $200 | $918 | $1,118 | $667 | $867 | $251 |
| Martin Lake, MN | $700 | $1,152 | $1,852 | $837 | $1,537 | $315 |
Identify Top Home Insurance Agents near Lakeville, MN | Back to Top
| Home Insurance Company Lakeville, MN | Homeowners Insurance Agency Lakeville, MN | Address | Popularity Score | Distance from Lakeville (miles) |
|---|---|---|---|---|
| State Farm | Leanne Casanova | 4590 Scott Trl Ste 205, Eagan, MN, 55122-4041 | 7.8 | |
| Allstate | Diane L. Anderson | 8741 Central Ave Ne # 201, Blaine, MN, 55434 | 31.0 | |
| Liberty Mutual Independent | Twin City Group | 4500 Park Glen Rd Ste 400, Minneapolis, MN, 55416 | 18.7 | |
| State Farm | John Curlee | 1565 Cliff Rd Ste 4, Eagan, MN, 55122-2574 | 8.2 | |
| Farmers | Eric Rauh | 8604 Eagle Creek Cir, Savage, MN, 55378 | 9.5 | |
| Allstate | Brian Seedorf | 4580 Scott Trl Ste 220, Eagan, MN, 55122 | 7.8 | |
| Farmers | Norm Foster | 16372 Kenrick Ave, Lakeville, MN, 55044 | 2.8 | |
| State Farm | Riz Mulla | 9657 Colorado Ln N, Brooklyn Park, MN, 55445-2315 | 31.7 | |
| State Farm | Brian Busch | 2000 Old Co Road 34 At Hwys 5 And 13, Burnsville, MN, 55337-6661 | 7.0 | |
| Allstate | Dan Speegle | 507 County Road 42 E, Burnsville, MN, 55306 | 4.3 |
Compare Rates for Lakeville, MN Home Insurance Providers | Back to Top
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Minnesota | $199,700 | $1,192 | $870 | $1,630 | $760 |
| Dakota County, MN | $238,000 | $1,213 | $810 | $1,690 | $880 |
| Lakeville, MN | $276,500 | $1,270 | $900 | $1,750 | $850 |
| Webster, MN | $330,400 | $1,575 | $1,150 | $2,190 | $1,040 |
| Jordan, MN | $204,100 | $857 | $620 | $1,170 | $550 |
| St. Lawrence, MN | $417,600 | $1,955 | $1,430 | $2,800 | $1,370 |
| Hennepin County, MN | $245,400 | $1,232 | $840 | $1,760 | $920 |
| Hilltop, MN | $11,900 | $139 | $100 | $190 | $90 |
| Brooklyn Park, MN | $194,200 | $1,092 | $750 | $1,520 | $770 |
| Mahtomedi, MN | $306,000 | $1,064 | $770 | $1,510 | $740 |
| Arlington, MN | $116,200 | $866 | $610 | $1,220 | $610 |
| Mazeppa, MN | $129,500 | $929 | $670 | $1,270 | $600 |
| Martin Lake, MN | $191,700 | $1,166 | $790 | $1,670 | $880 |
Research Home Insurance Companies Reviews in Lakeville, MN Before Buying | Back to Top
Share a review on your home insurance company
State Farm Home Insurance Reviews
Date: October 12, 2019 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Customer Service
I have always found their customer service to be excellent. Whenever I have a problem or issue my company's representative has been available to answer questions. I have my own personal representative.
Date: April 07, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Policy Offerings
I have never looked for another company when it comes to home owner's insurance. We have State Farm for everything.
Date: December 09, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Customer Service
I have been dealing with State Farm for about 18 years now. They come out to the home if necessary and are really courteous.
Progressive Home Insurance Reviews
Date: October 14, 2019 Age: 20 to 29 Gender: Male Marital Status: Married
Customer Service
Since buying our first house, home insurance has become a nightmare when trying to find a company that communicates well with us on policies chosen.
Date: July 27, 2019 Age: 40 to 49 Gender: Male Marital Status: Unmarried
Policy Offerings
Progressive lets me bundle with my auto policy which is great, and they're much cheaper than my other options.
Allstate Home Insurance Reviews
Date: July 14, 2019 Age: 50 to 59 Gender: Female Marital Status: Married
Policy Offerings
For around $30 a month, my belongings inside of my home are protected up to $25,000. This company was one of the only ones in my area that offered this sort of deal.
Date: November 04, 2018 Age: Above 60 Gender: Male Marital Status: Unmarried
Premium
I feel that my premium is reasonable and competitive with other rates in the market. I shopped around before going with this insurance company. I am confident that I am getting a fair and reasonable rate.
Esurance Home Insurance Reviews
Date: October 17, 2018 Age: Above 60 Gender: Male Marital Status: Married
Communication
The customer service is friendly and competent, yet they take a long to get back to me on sensitive issues I need answers to.
Fremont home insurance Home Insurance Reviews
Date: December 19, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Customer Service
They are perfectly fine. We haven't had a claim so it was only about payment issues and they were fine.
Nationwide Home Insurance Reviews
Date: December 26, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Premium
We chose Nationwide based on its price as well as its deductible, and it was the least expensive while providing the same deductible and benefits as other competing companies.
Universal Property & Casualty Insurance Company Home Insurance Reviews
Date: December 29, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
I have gotten a quote from Allstate and the difference in premium was negligible. I don't want to go through the hassle of changing companies especially when something could go wrong with the house in that time frame just to save a few dollars.