How Can I Make My Cottage Grove, MN Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in Cottage Grove, MN by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
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Select the Suitable Coverage Value for your Cottage Grove, MN Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $66,000 | $60,000 | $75,000-$100,000 |
| 2 Bedroom | $157,500 | $140,000 | $125,000-$150,000 |
| 3 Bedroom | $251,500 | $220,000 | $250,000-$300,000 |
| 4 Bedroom | $402,500 | $340,000 | $400,000-$500,000 |
| 5 Bedroom | $428,000 | $360,000 | $350,000-$400,000 |
Estimate your Savings with Home Insurance Discounts in Cottage Grove, MN | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$224 | $953 |
| Superior Protection Discount | -$118 | $1,059 |
| Fire & Security Discount | -$82 | $1,094 |
| Hail Resistant Roof Discount | -$24 | $1,153 |
| Newly Constructed Home Discount | -$329 | $847 |
Choose the Right Deductible for your Cottage Grove, 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 |
| Washington County | $700 | $1,224 | $1,924 | $890 | $1,590 | $335 |
| Cottage Grove, MN | $1,000 | $1,162 | $2,162 | $845 | $1,845 | $318 |
| Prescott, WI | $100 | $697 | $797 | $506 | $606 | $190 |
| Lake St. Croix Beach, MN | $1,500 | $1,142 | $2,642 | $830 | $2,330 | $312 |
| Gem Lake, MN | $200 | $1,458 | $1,658 | $1,060 | $1,260 | $399 |
| White Bear, MN | $2,500 | $961 | $3,461 | $698 | $3,198 | $263 |
| Cannon Falls, MN | $100 | $1,062 | $1,162 | $772 | $872 | $290 |
| Bay City, WI | $700 | $564 | $1,264 | $410 | $1,110 | $154 |
| Cylon, WI | $400 | $706 | $1,106 | $513 | $913 | $193 |
| Stacy, MN | $1,500 | $1,028 | $2,528 | $747 | $2,247 | $281 |
| Mazeppa, MN | $200 | $918 | $1,118 | $667 | $867 | $251 |
| Walcott, MN | $1,500 | $1,479 | $2,979 | $1,075 | $2,575 | $404 |
Identify Top Home Insurance Agents near Cottage Grove, MN | Back to Top
| Home Insurance Company Cottage Grove, MN | Homeowners Insurance Agency Cottage Grove, MN | Address | Popularity Score | Distance from Cottage Grove (miles) |
|---|---|---|---|---|
| Farmers | Lyle Radloff | 1185 Concord St N Ste 113, South St Paul, MN, 55075 | 9.4 | |
| State Farm | Yvonne Peterson | 9900 Valley Creek Rd Ste 125, Woodbury, MN, 55125-4892 | 7.4 | |
| State Farm | Andrea Zajicek | 8617 W Pt Dugls Rd S Ste 120, Cottage Grove, MN, 55016-4155 | 3.2 | |
| Allstate | Travis Nadeau | 700 Commerce Dr Ste 165, Woodbury, MN, 55125 | 8.9 | |
| State Farm | Tim Zajicek | 8617 W Pt Dugls Rd S Ste 120, Cottage Grove, MN, 55016-4155 | 3.2 | |
| Liberty Mutual Independent | Insurance Dynamics | 1818 Wooddale Dr Ste 102, Woodbury, MN, 55125 | 8.0 | |
| Travelers | Inver Grove Insurance Agency Inc | 6775 Cahill Ave E Ste 204, Inver Grove Heights, MN, 55076 | 6.9 | |
| Allstate | Chad Dahly | 1310 Highway 96 E Ste 107, White Bear Lake, MN, 55110 | 19.5 | |
| State Farm | Dan Wright | 783 Radio Dr Ste 103, Woodbury, MN, 55125-5402 | 8.6 | |
| State Farm | Steve Johnson | 121 2nd St E, Hastings, MN, 55033-1269 | 5.7 |
Compare Rates for Cottage Grove, 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 | $820 | $1,700 | $880 |
| Washington County, MN | $264,300 | $1,239 | $890 | $1,770 | $880 |
| Cottage Grove, MN | $224,300 | $1,176 | $860 | $1,610 | $750 |
| Prescott, WI | $181,900 | $705 | $510 | $1,000 | $490 |
| Lake St. Croix Beach, MN | $188,600 | $1,156 | $770 | $1,650 | $880 |
| Gem Lake, MN | $298,900 | $1,476 | $1,060 | $2,040 | $980 |
| White Bear, MN | $261,100 | $973 | $700 | $1,380 | $680 |
| Cannon Falls, MN | $165,300 | $1,075 | $720 | $1,530 | $810 |
| Bay City, WI | $116,100 | $571 | $420 | $820 | $400 |
| Cylon, WI | $188,500 | $715 | $510 | $990 | $480 |
| Stacy, MN | $155,900 | $1,040 | $720 | $1,420 | $700 |
| Mazeppa, MN | $129,500 | $929 | $680 | $1,310 | $630 |
| Walcott, MN | $306,000 | $1,497 | $1,060 | $2,080 | $1,020 |
Research Home Insurance Companies Reviews in Cottage Grove, MN Before Buying | Back to Top
Share a review on your home insurance company
Progressive Home Insurance Reviews
Date: January 04, 2020 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Policy Offerings
I am honestly not sure what home insurance does I just know that you need it
Date: September 15, 2019 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Policy Offerings
This company policy offering high virtual amount progress and easy to maintain to compare with other products. Then easy return policy payments with determination on that carrier. This providers has free maintenance.
Date: November 17, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Customer Service
Whenever I call my home insurance provider they are very quick and pleasant to work with, the only downside is they have long wait times.
Farm Bureau Home Insurance Reviews
Date: February 06, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Policy Offerings
We get offerings from other insurance companies competing with our agency. They're pricing is competitive and offer as good as what we get now. Sometimes the price is better for comparative service.
Date: October 18, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
my insurance premiums are lower than most this could be related to the fact that I have not filed a claim in five years. My premiums lowered this year but that could be because of the fact that I have not filed a claim or because of depreciation.
Citizens Property Insurance Home Insurance Reviews
Date: November 08, 2018 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Premium
The premium is around my price point which is really nice considering i have to make sure to have enough to pay for other utilities.
Allstate Home Insurance Reviews
Date: August 14, 2019 Age: 50 to 59 Gender: Male Marital Status: Unmarried
Premium
The premium may be slightly higher than other insurance companies, but not the highest. Somewhat middle of the pack price wise. Deductibles are comparable to other companies
Safeco Insurance Home Insurance Reviews
Date: July 02, 2019 Age: 20 to 29 Gender: Female Marital Status: Married
Policy Offerings
Safeco's offerings were exactly the same or better than competing insurance agencies, so we went with them even though they didn't have physical locations to go to like State Farm, for instance.
Fairmont Farmers Mutual Home Insurance Reviews
Date: July 28, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Policy Offerings
They offer as good of insurance as any other company but at a fraction of the price since not paying actors or commercials.
American Family Insurance Home Insurance Reviews
Date: December 20, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Premium
I have renters insurance as I do not own a home, and so far I do not have enough expertise nor communication to have an opinion on the policies and deductibles.
Farmer's Insurance Home Insurance Reviews
Date: October 17, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Customer Service
I received emails on welcoming me to Farmer's Insurance . Email show links to my policy and warm welcoming, customer service info contacts.
Links that my old insurance did not show me.