Gavop's guide to buying homeowners insurance in Dakota 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.
| Dakota County, MN - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Imperial Dr W, Melville Cir, Iteri Pl, E Oak St, Cannon Valley Dr, Couchtown Ave, Clif Rd, Fairhaven Ave, Villa Dr, Upper 207th St E | $272,500 | $240,000 | $200,000-$250,000 | $135,500 | $120,000 | $150,000-$175,000 |
| Perron Rd E, Cherokee Ave, Leisure Ct, Silver Bell Cir, 153rd St W, Dakota Ct, E 144th St, Willbrook Ct, Co Rd 54, Brittany Ln | $220,000 | $200,000 | $200,000-$250,000 | $187,500 | $160,000 | $175,000-$200,000 |
| Upper 157th St W, Arbor Ct, 3rd St W, Heath Ave, Danbury Trl, Wyndham Pl, Condon Ct, Amherst Ct, Vermont Ave, Hampshire Cir | $194,500 | $180,000 | $200,000-$250,000 | $227,000 | $200,000 | $200,000-$250,000 |
| Babcock Trl, Iredell Ct, Finesse Way, Dawson Ct, Iredale Ct, Embry Way, Duck Crossing Way, Co Rd 42 E, Logan Ln, Dolores Ln | $217,500 | $200,000 | $175,000-$200,000 | $193,000 | $160,000 | $200,000-$250,000 |
| Centennial Dr, Cobblestone Ln, Isleton Trl, Farmdale Rd, 140th Street Ct, Pine Ln, Dulaney Dr, Flagstaff Ave W, Beech St, Marywood Ln | $204,000 | $170,000 | $175,000-$200,000 | $134,000 | $120,000 | $100,000-$125,000 |
| Moreland Ave W, Lower 87th St W, 137th St E, Nicollet Blvd W, Walnut Ln, Stratford Rd, 9th Ave N, Rushmore Dr, 138th Ct W, Skyline Dr | $121,500 | $110,000 | $100,000-$125,000 | $109,500 | $90,000 | $100,000-$125,000 |
| Thomas Cir, Brenner Ct, Lower 167th St W, Centennial Ct, Eagle Ridge Rd, Oliver Ave S, Embry Ln, W River Hills Dr, Courthouse Blvd E, Crestridge Ln | $257,500 | $240,000 | $200,000-$250,000 | $191,500 | $160,000 | $150,000-$175,000 |
| Hamilton Dr, Camberwell Dr N, Lea St, Gladiola Ave W, Cambridge Dr, Darcy Ln, Cranford Cir, Maple Island Rd, Valley Curve Ln, Isle Ave | $352,000 | $300,000 | $300,000-$350,000 | $246,500 | $210,000 | $175,000-$200,000 |
| Dartmouth Path, Ahern Blvd, 66th St E, Danbury Way, Poplar St E, Co Rd 87, Conrad Ave, Arkansas Ave, 170th Ct W, Gerlach Way | $151,000 | $130,000 | $125,000-$150,000 | $122,500 | $100,000 | $125,000-$150,000 |
| Durango Pl, E 26th St, Flintwood Ct, Cedar Ridge Cir, Charlton Ridge, Ridge Rd, Gamma Way, Summit Shores Dr, Dickson Ave, 125th St | $292,500 | $240,000 | $250,000-$300,000 | $207,500 | $170,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$206 | $1,007 |
| Superior Protection Discount | -$109 | $1,104 |
| Fire & Security Discount | -$121 | $1,091 |
| Hail Resistant Roof Discount | -$24 | $1,188 |
| Newly Constructed Home Discount | -$279 | $934 |
| 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 | $1,500 | $1,198 | $2,698 | $871 | $2,371 | $327 |
| Dakota County, MN | $2,000 | $1,198 | $3,198 | $871 | $2,871 | $327 |
| Cottage Grove, MN | $300 | $1,162 | $1,462 | $845 | $1,145 | $318 |
| Credit River, MN | $2,000 | $1,003 | $3,003 | $729 | $2,729 | $274 |
| Lake Elmo, MN | $400 | $987 | $1,387 | $718 | $1,118 | $270 |
| Troy, WI | $700 | $863 | $1,563 | $627 | $1,327 | $236 |
| St. Anthony, MN | $500 | $916 | $1,416 | $666 | $1,166 | $250 |
| Crystal, MN | $2,500 | $901 | $3,401 | $655 | $3,155 | $246 |
| Grant, MN | $100 | $2,098 | $2,198 | $1,524 | $1,624 | $573 |
| Cleveland, MN | $1,500 | $981 | $2,481 | $713 | $2,213 | $268 |
| Dodge County, MN | $400 | $900 | $1,300 | $654 | $1,054 | $246 |
| Madison Lake, MN | $2,500 | $1,160 | $3,660 | $843 | $3,343 | $317 |
| Home Insurance Company Dakota County, MN | Homeowners Insurance Agency Dakota County, MN | Address | Popularity Score | Distance from Dakota County (miles) |
|---|---|---|---|---|
| Allstate | Charley Bradley | 12200 Middle Set Rd Ste 200, Eden Prairie, MN, 55344 | 22.1 | |
| Allstate | Travis Nadeau | 700 Commerce Dr Ste 165, Woodbury, MN, 55125 | 20.1 | |
| State Farm | Dave Melle | 14831 Energy Way, Apple Valley, MN, 55124-5757 | 7.3 | |
| Travelers | Insurance Advantage Agency Llc | 7600 Parklawn Ave Ste 350, Edina, MN, 55435 | 19.0 | |
| State Farm | Brett Mcsparron | 15030 Glazier Ave Ste 100, Apple Valley, MN, 55124-7810 | 8.6 | |
| State Farm | Mark Quinnell | 107 3rd St W, Northfield, MN, 55057-2037 | 15.6 | |
| Travelers | Assured Protection Inc | 5671 Geneva Ave North , Oakdale, MN, 55128 | 25.2 | |
| State Farm | Juan Cervantes | 391 Ruth St N, Saint Paul, MN, 55119-4303 | 19.6 | |
| Travelers | North Star Insurance Services | 601 Carlson Pkwy Ste 1050, Minnetonka, MN, 55305 | 28.8 | |
| Allstate | Jacob Group Agency | 6547 York Ave S, Edina, MN, 55435 | 19.4 |
| 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 | $1,640 | $840 |
| Dakota County, MN | $238,000 | $1,213 | $810 | $1,730 | $920 |
| Dakota County, MN | $238,000 | $1,213 | $890 | $1,710 | $820 |
| Cottage Grove, MN | $224,300 | $1,176 | $810 | $1,620 | $810 |
| Credit River, MN | $400,400 | $1,015 | $680 | $1,390 | $710 |
| Lake Elmo, MN | $394,500 | $999 | $680 | $1,390 | $710 |
| Troy, WI | $328,000 | $873 | $590 | $1,240 | $650 |
| St. Anthony, MN | $238,000 | $927 | $630 | $1,270 | $640 |
| Crystal, MN | $168,200 | $912 | $630 | $1,290 | $660 |
| Grant, MN | $444,900 | $2,123 | $1,550 | $3,040 | $1,490 |
| Cleveland, MN | $144,200 | $993 | $680 | $1,400 | $720 |
| Dodge County, MN | $167,900 | $911 | $660 | $1,290 | $630 |
| Madison Lake, MN | $194,100 | $1,174 | $790 | $1,660 | $870 |