How Can I Make My Ham Lake, MN Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in Ham Lake, 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 Ham Lake, MN Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $65,500 | $60,000 | $50,000-$75,000 |
| 2 Bedroom | $107,000 | $90,000 | $100,000-$125,000 |
| 3 Bedroom | $266,500 | $250,000 | $200,000-$250,000 |
| 4 Bedroom | $295,000 | $260,000 | $300,000-$350,000 |
| 5 Bedroom | $231,000 | $200,000 | $200,000-$250,000 |
Estimate your Savings with Home Insurance Discounts in Ham Lake, MN | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$172 | $839 |
| Superior Protection Discount | -$91 | $919 |
| Fire & Security Discount | -$91 | $919 |
| Hail Resistant Roof Discount | -$20 | $990 |
| Newly Constructed Home Discount | -$242 | $768 |
Choose the Right Deductible for your Ham Lake, 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 |
| Anoka County | $2,500 | $1,110 | $3,610 | $807 | $3,307 | $303 |
| Ham Lake, MN | $1,500 | $998 | $2,498 | $725 | $2,225 | $273 |
| East Bethel, MN | $200 | $886 | $1,086 | $644 | $844 | $242 |
| Champlin, MN | $700 | $879 | $1,579 | $639 | $1,339 | $240 |
| Maplewood, MN | $300 | $1,092 | $1,392 | $793 | $1,093 | $298 |
| Hopkins, MN | $700 | $868 | $1,568 | $631 | $1,331 | $237 |
| Minnetonka, MN | $200 | $1,358 | $1,558 | $987 | $1,187 | $371 |
| Hudson, WI | $700 | $636 | $1,336 | $462 | $1,162 | $174 |
| Centuria, WI | $100 | $498 | $598 | $362 | $462 | $136 |
| Eureka, WI | $700 | $685 | $1,385 | $498 | $1,198 | $187 |
| Scott County, MN | $400 | $1,244 | $1,644 | $904 | $1,304 | $340 |
| Brook Park, MN | $1,000 | $971 | $1,971 | $706 | $1,706 | $265 |
Identify Top Home Insurance Agents near Ham Lake, MN | Back to Top
| Home Insurance Company Ham Lake, MN | Homeowners Insurance Agency Ham Lake, MN | Address | Popularity Score | Distance from Ham Lake (miles) |
|---|---|---|---|---|
| Travelers | Ace Insurance Agency Llc | 415 Cedar Ave S, Minneapolis, MN, 55454 | 19.9 | |
| State Farm | Bryce Deter | 620 Babcock Blvd E, Delano, MN, 55328-8603 | 32.3 | |
| Farmers | Paul Steffel | 7029 20th Ave, Centerville, MN, 55038 | 9.9 | |
| Travelers | Insurance Brokers Of Mn | 11716 Jefferson St, Blaine, MN, 55434 | 5.8 | |
| Farmers | Brice Skarnes | 2960 Winnetka Ave N Ste 212, Crystal, MN, 55427 | 19.1 | |
| Allstate | Jeffrey Hunstiger | 607 County Road 10 Ne Ste 103, Blaine, MN, 55434 | 9.2 | |
| Farmers | Norm Foster | 16372 Kenrick Ave, Lakeville, MN, 55044 | 37.7 | |
| State Farm | Greg Joyce | 8347 University Ave Ne Ste C, Fridley, MN, 55432-1175 | 9.9 | |
| State Farm | Arlen Norwood | 740 Main St S, Pine City, MN, 55063-1665 | 40.6 | |
| Farmers | James Schmidt | 277 Coon Rapids Blvd Nw Ste 114, Coon Rapids, MN, 55433 | 8.9 |
Compare Rates for Ham Lake, 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 | $1,680 | $810 |
| Anoka County, MN | $205,000 | $1,123 | $810 | $1,550 | $740 |
| Ham Lake, MN | $280,000 | $1,010 | $700 | $1,390 | $690 |
| East Bethel, MN | $223,200 | $897 | $640 | $1,230 | $590 |
| Champlin, MN | $219,700 | $890 | $610 | $1,260 | $650 |
| Maplewood, MN | $198,400 | $1,105 | $760 | $1,580 | $820 |
| Hopkins, MN | $214,200 | $879 | $600 | $1,250 | $650 |
| Minnetonka, MN | $315,800 | $1,374 | $920 | $1,880 | $960 |
| Hudson, WI | $231,500 | $643 | $440 | $890 | $450 |
| Centuria, WI | $94,000 | $504 | $360 | $700 | $340 |
| Eureka, WI | $173,900 | $693 | $490 | $960 | $470 |
| Scott County, MN | $272,000 | $1,259 | $870 | $1,750 | $880 |
| Brook Park, MN | $141,900 | $983 | $720 | $1,370 | $650 |
Research Home Insurance Companies Reviews in Ham Lake, MN Before Buying | Back to Top
Share a review on your home insurance company
State Farm Home Insurance Reviews
Date: March 31, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Policy Offerings
My building gave me certain requirements I needed to meet and I shopped around for the lowest rate and this company offered that. I have 5 out of 5 satisfied.
Date: February 13, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Customer Service
State Farm's customer service has always been friendly and efficient. It is the main reason that I use them for both my home and auto insurance.
Liberty Mutual Home Insurance Reviews
Date: November 18, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Policy Offerings
Insurance company policy offerings compare to insurance providers is all frustrating, stressful and tedious. Sometimes the policy being offered is not something you need for your needs. I also feel the preminums are more then over and greediness arises. The providers out there do not cover certain things and we're stuck to limited insurance providers due to our home being modular. You learn things quickly and how much of a pain it can be.
Allstate Home Insurance Reviews
Date: November 10, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Customer Service
I have never had an issue with customer service. I had a flood, they sent an agent out next day, and handed me a check. Doesn't get better than that.