Gavop's guide to buying homeowners insurance in Mower County, 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 | $34,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $111,000 | $100,000 | $100,000-$125,000 |
| 3 Bedroom | $144,000 | $130,000 | $100,000-$125,000 |
| 4 Bedroom | $188,500 | $160,000 | $175,000-$200,000 |
| 5 Bedroom | $180,500 | $160,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$141 | $691 |
| Superior Protection Discount | -$83 | $749 |
| Fire & Security Discount | -$58 | $774 |
| Hail Resistant Roof Discount | -$25 | $807 |
| Newly Constructed Home Discount | -$191 | $641 |
| 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 |
| Mower County | $2,000 | $822 | $2,822 | $598 | $2,598 | $225 |
| Mower County, MN | $1,500 | $822 | $2,322 | $598 | $2,098 | $225 |
| Hollandale, MN | $500 | $775 | $1,275 | $563 | $1,063 | $212 |
| Ellendale, MN | $100 | $736 | $836 | $535 | $635 | $201 |
| Cascade, MN | $1,000 | $1,573 | $2,573 | $1,143 | $2,143 | $430 |
| Emmons, MN | $300 | $673 | $973 | $489 | $789 | $184 |
| Meriden, MN | $700 | $1,078 | $1,778 | $783 | $1,483 | $295 |
| Jacksonville, IA | $400 | $819 | $1,219 | $595 | $995 | $224 |
| Mazeppa, MN | $700 | $918 | $1,618 | $667 | $1,367 | $251 |
| Kenyon, MN | $500 | $885 | $1,385 | $643 | $1,143 | $242 |
| Utica, MN | $1,500 | $1,261 | $2,761 | $916 | $2,416 | $345 |
| Home Insurance Company Mower County, MN | Homeowners Insurance Agency Mower County, MN | Address | Popularity Score | Distance from Mower County (miles) |
|---|---|---|---|---|
| Travelers | Sandvik Insurance Agency | 826 S Broadway, Rochester, MN, 55904 | 28.2 | |
| State Farm | Matt Kechely | 1712 37th St Nw, Rochester, MN, 55901-4228 | 30.5 | |
| Allstate | David Severson | 1906 8th St Nw Ste C, Austin, MN, 55912 | 11.4 | |
| State Farm | Steve Justice | 1405 15th Ave Nw, Austin, MN, 55912-1911 | 11.7 | |
| Liberty Mutual Independent | Heartman Insurance | 203 N Main St, Austin, MN, 55912 | 10.8 | |
| Farmers | Michael Bishman | 121 W Broadway St, Owatonna, MN, 55060 | 37.2 | |
| Farmers | Thomas Gillard | 1105 W Oakland Ave, Austin, MN, 55912 | 11.4 | |
| State Farm | Greg Meyer | 1110 First Avenue Sw, Austin, MN, 55912-2404 | 11.4 | |
| State Farm | Mark Biermann | 205 N Broadway St, Spring Valley, MN, 55975-1225 | 18.5 | |
| State Farm | Lyle Wendroth | 635 2nd Street, Kenyon, MN, 55946 | 43.3 |
| 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 | $1,660 | $860 |
| Mower County, MN | $114,700 | $832 | $590 | $1,170 | $580 |
| Mower County, MN | $114,700 | $832 | $610 | $1,180 | $570 |
| Hollandale, MN | $100,400 | $784 | $540 | $1,120 | $580 |
| Ellendale, MN | $93,500 | $745 | $530 | $1,040 | $510 |
| Cascade, MN | $335,500 | $1,592 | $1,070 | $2,210 | $1,140 |
| Emmons, MN | $82,600 | $681 | $460 | $950 | $490 |
| Meriden, MN | $169,600 | $1,091 | $750 | $1,540 | $790 |
| Jacksonville, IA | $137,500 | $829 | $610 | $1,140 | $530 |
| Mazeppa, MN | $129,500 | $929 | $660 | $1,330 | $670 |
| Kenyon, MN | $122,400 | $896 | $620 | $1,250 | $630 |
| Utica, MN | $227,900 | $1,276 | $850 | $1,770 | $920 |