Gavop shows you how to buy homeowners insurance in Lake City, MN by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $54,500 | $50,000 | $25,000-$50,000 |
| 2 Bedroom | $131,500 | $110,000 | $100,000-$125,000 |
| 3 Bedroom | $129,000 | $110,000 | $150,000-$175,000 |
| 4 Bedroom | $306,500 | $290,000 | $300,000-$350,000 |
| 5 Bedroom | $364,000 | $320,000 | $350,000-$400,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$68 | $782 |
| Home and Two Car | -$136 | $714 |
| Home and Three Car | -$204 | $646 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,337 |
| Physical Damage | $2,344 |
| Hail Damage | $4,900 |
| Wind Damage | $6,178 |
| Expensive Claims | |
| Fire | $45,123 |
| Smoke | $16,887 |
| Home Insurance Company Lake City, MN | Homeowners Insurance Agency Lake City, MN | Address | Popularity Score | Distance from Lake City (miles) |
|---|---|---|---|---|
| Allstate | Troy Beugen | 7101 10th St N, Oakdale, MN, 55128 | 49.0 | |
| Farmers | Lyle Radloff | 1185 Concord St N Ste 113, South St Paul, MN, 55075 | 49.6 | |
| State Farm | John Falvey | 114 S Washington Street, Lake City, MN, 55041-1034 | 0.8 | |
| State Farm | Robert Joswiak | 20838 Holyoke Ave, Lakeville, MN, 55044 | 49.5 | |
| Farmers | Duane Palmer | 1399 Geneva Ave N Ste 206, Oakdale, MN, 55128 | 50.0 | |
| Travelers | Insurance Dynamics | 1818 Wooddale Dr Ste 102, Woodbury, MN, 55125 | 47.3 | |
| State Farm | Joe Etten | 14050 Pilot Knob Rd Ste 144, Apple Valley, MN, 55124-6648 | 48.8 | |
| Allstate | Richard Hauer | 7876 Hudson Rd, Woodbury, MN, 55125 | 47.7 | |
| State Farm | Chad Crow | 710 Commerce Dr Ste 120, Woodbury, MN, 55125-4920 | 46.3 | |
| State Farm | Jack Warnemunde | 127 Johnson St, Winona, MN, 55987-3428 | 41.8 |
| 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 | $1,640 | $820 |
| Goodhue County, MN | $191,400 | $1,083 | $770 | $1,510 | $740 |
| Lake City, MN | $148,900 | $850 | $610 | $1,220 | $610 |
| Stockholm, WI | $230,300 | $765 | $550 | $1,090 | $540 |
| Maxville, WI | $168,800 | $685 | $500 | $950 | $450 |
| Martell, WI | $238,200 | $773 | $520 | $1,100 | $580 |
| Waumandee, WI | $157,900 | $666 | $470 | $950 | $480 |
| Randolph, MN | $335,200 | $1,591 | $1,080 | $2,260 | $1,180 |
| Woodville, WI | $119,000 | $579 | $390 | $820 | $430 |
| Spring Brook, WI | $179,600 | $702 | $480 | $990 | $510 |
| Kenyon, MN | $122,400 | $896 | $640 | $1,270 | $630 |
| Richland, MN | $235,900 | $1,298 | $880 | $1,830 | $950 |
| Lake Elmo, MN | $394,500 | $999 | $720 | $1,410 | $690 |