Gavop's guide to buying homeowners insurance in Scott 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.
| Scott County, MN - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 4 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Liberty Cir, Meadowood Dr, Skinner St SW, Wilds Vw NW, Southridge Ct, Colburn Dr, Texas Ave, Blackpool Ct E, Wexford Ln, Prairie Oak Dr | $151,500 | $130,000 | $150,000-$175,000 | $219,000 | $210,000 | $175,000-$200,000 |
| Wilhelm Ct, Union Trl, E Beaver St, S Meridian St, Maves Trl SE, Regent Ln, Todd Rd SW, Parkridge Ln, N Eagle St, W Court St | $212,000 | $200,000 | $200,000-$250,000 | $259,000 | $210,000 | $250,000-$300,000 |
| Birchwood Ave NE, Kipling Ct, Co Rd 27, Wood St S, Co Rd 86, Maryland Ave, Valley View Dr W, Franklin Trl SE, W 133rd St, Loftus Dr | $285,500 | $270,000 | $300,000-$350,000 | $386,000 | $350,000 | $400,000-$500,000 |
| Wellington Ln, Ann Pl, O'Brien Pkwy, Elm Ave SW, Co Hwy 20, Webster Ave, Jackson Hts, Virginia Pl, Carriage Hill Draw, W 132nd St | $237,000 | $210,000 | $200,000-$250,000 | $390,500 | $320,000 | $350,000-$400,000 |
| 7th Ave NW, Rolling Oaks Ct, Minnesota Ct E, S Park Cir, Freedom Ave, Kentucky Ave, Pebble Ter, Hillside Cir NW, Cass, Sommerville St S | $304,000 | $250,000 | $200,000-$250,000 | $285,500 | $260,000 | $300,000-$350,000 |
| Zinran Ave, 134th, Meadow Ave NE, Oregon Ave S, Karner Dr, Kestrel Dr, Gotlund Ln, 210th St W, 125th St, 273rd St | $171,000 | $140,000 | $150,000-$175,000 | $345,000 | $300,000 | $300,000-$350,000 |
| 220th St W, Valley Industrial Blvd N, Raspberry Ln, Elaine Ct, Vergus Ave, Lords St NE, Austin Ct, Oakwood Pl, Connelly Pl, Rice St N | $179,000 | $140,000 | $150,000-$175,000 | $396,500 | $340,000 | $350,000-$400,000 |
| Oak Hill Ln, History Ct NW, Parkridge Way, W View Dr, 8th St, 123 1/2 St W, W 150th St, Liberty Ln, Galway Cir, Fairway Heights Ct NW | $349,500 | $290,000 | $350,000-$400,000 | $516,500 | $480,000 | $400,000-$500,000 |
| Hawk Ridge Rd NW, Whispering Oaks Trl, Francis Dr, Kennsington Dr, Palmer Ave, Dakota Ave S, Wood St N, Atwood Ct, Smith Dr, Wood Ridge Dr | $190,500 | $160,000 | $175,000-$200,000 | $246,500 | $210,000 | $200,000-$250,000 |
| Knoll Dr, Aberdeen Ave, 3rd St NE, St Andrews Rd, Oakborough Dr, Pinto Ln, Crest Ave NE, Bobcat Cir NW, Farmers Ln, Gooseberry Ln | $358,500 | $300,000 | $250,000-$300,000 | $424,500 | $370,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$227 | $1,032 |
| Superior Protection Discount | -$126 | $1,133 |
| Fire & Security Discount | -$126 | $1,133 |
| Hail Resistant Roof Discount | -$38 | $1,221 |
| Newly Constructed Home Discount | -$252 | $1,007 |
| 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 |
| Scott County | $1,000 | $1,244 | $2,244 | $904 | $1,904 | $340 |
| Scott County, MN | $1,000 | $1,244 | $2,244 | $904 | $1,904 | $340 |
| Northfield, MN | $500 | $843 | $1,343 | $613 | $1,113 | $230 |
| Rice County, MN | $2,000 | $1,062 | $3,062 | $772 | $2,772 | $290 |
| Nininger, MN | $500 | $1,484 | $1,984 | $1,078 | $1,578 | $406 |
| Wheeling, MN | $2,500 | $1,297 | $3,797 | $943 | $3,443 | $355 |
| Landfall, MN | $300 | $134 | $434 | $98 | $398 | $37 |
| Lime, MN | $700 | $1,435 | $2,135 | $1,043 | $1,743 | $392 |
| Cherry Grove, MN | $500 | $1,290 | $1,790 | $938 | $1,438 | $353 |
| Collins, MN | $700 | $1,246 | $1,946 | $905 | $1,605 | $340 |
| Lynn, MN | $300 | $1,220 | $1,520 | $887 | $1,187 | $333 |
| Claremont, MN | $700 | $1,239 | $1,939 | $900 | $1,600 | $339 |
| Home Insurance Company Scott County, MN | Homeowners Insurance Agency Scott County, MN | Address | Popularity Score | Distance from Scott County (miles) |
|---|---|---|---|---|
| State Farm | Erik Westrum | 14033 Commerce Ave Ne Ste 102, Prior Lake, MN, 55372-1438 | 10.0 | |
| State Farm | Wayne Swart | 19336 Highway 169, Elk River, MN, 55330-4645 | 46.3 | |
| Farmers | Daniel Oliver | 7400 Metro Blvd Ste 335, Edina, MN, 55439 | 17.4 | |
| Travelers | Insurance Advantage Agency Llc | 7600 Parklawn Ave Ste 350, Edina, MN, 55435 | 17.7 | |
| Farmers | Paul Connors | 11524 Excelsior Blvd, Minnetonka, MN, 55343 | 19.3 | |
| Farmers | Thomas Tom Papas | 470 W 78th St Ste 130, Chanhassen, MN, 55317 | 14.5 | |
| Travelers | J A Price Agency Inc | 6640 Shady Oak Road #500 Eden Prairie, Eden Prairie, MN, 55344 | 16.9 | |
| Farmers | Julie Muelken | 16228 Main Ave Se, Prior Lake, MN, 55372 | 6.9 | |
| Allstate | Jacob Group Agency | 6547 York Ave S, Edina, MN, 55435 | 19.2 | |
| State Farm | Kim Schaffer | 112 E 5th St Ste 104, Chaska, MN, 55318-2253 | 10.0 |
| 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 | $1,690 | $890 |
| Scott County, MN | $272,000 | $1,259 | $890 | $1,750 | $860 |
| Scott County, MN | $272,000 | $1,259 | $890 | $1,790 | $900 |
| Northfield, MN | $202,200 | $853 | $610 | $1,170 | $560 |
| Rice County, MN | $188,400 | $1,075 | $780 | $1,480 | $700 |
| Nininger, MN | $307,700 | $1,502 | $1,040 | $2,150 | $1,110 |
| Wheeling, MN | $241,000 | $1,313 | $950 | $1,830 | $880 |
| Landfall, MN | $11,600 | $136 | $100 | $190 | $90 |
| Lime, MN | $291,000 | $1,452 | $1,050 | $2,080 | $1,030 |
| Cherry Grove, MN | $238,600 | $1,306 | $950 | $1,820 | $870 |
| Collins, MN | $222,700 | $1,261 | $860 | $1,790 | $930 |
| Lynn, MN | $213,900 | $1,235 | $840 | $1,690 | $850 |
| Claremont, MN | $220,200 | $1,254 | $900 | $1,730 | $830 |