Gavop's guide to buying homeowners insurance in Winona 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.
| Winona 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 | |
| Warren Twp 16, Edward St, Lamoille Dr, 1st St NE, Forster Rd, Co Hwy 33, Cactus Dr, Co Rd 23, Fischer Hill Dr, Co Rd 114 | $125,000 | $110,000 | $100,000-$125,000 | $99,000 | $90,000 | $75,000-$100,000 |
| Springer Ave, Stone St, Hart Twp 22, Gilmore Ave, Whitewater Dr, Greenview Ct, Johnstone St, Louisa St, Vine St, Cardinal Dr | $124,500 | $100,000 | $125,000-$150,000 | $100,500 | $90,000 | $100,000-$125,000 |
| Lenox St, Old Mill Rd, Willow Run, 1st St SE, Washington St, 44th Ave, Rolbiecki Ln, Boynton Dr, Utica Twp 6, Valley View Dr | $268,000 | $250,000 | $250,000-$300,000 | $191,000 | $160,000 | $175,000-$200,000 |
| Co Rd 116, Hart Twp 5, Frisby Dr, Almon Dr, Monroe St, North Dr, Walnut St, Twp Rd 9, Fern Valley Dr, Judy Ln | $201,000 | $180,000 | $175,000-$200,000 | $87,500 | $80,000 | $50,000-$75,000 |
| 48th Ave, Circle Dr, Twp Rd 21, Cemetery Rd, Tews Ave, W Front St, 2nd Ave NW, Duane Rd, Buehler Ridge Rd, Whitetail Ln | $187,000 | $160,000 | $175,000-$200,000 | $152,000 | $120,000 | $150,000-$175,000 |
| Co Hwy 26, Co Rd 109, Main St S, Frontage Rd, Knollwood Ln, Park Ln, Jefferson St, Whitewater Ave, W 2nd St, Kellers Rd | $263,000 | $240,000 | $200,000-$250,000 | $190,500 | $160,000 | $200,000-$250,000 |
| 2nd St NE, E 6th St, 2nd St S, State St, W Riverfront St, E Broadway St, 1st Ave SE, W Wabasha St, Breezy Pt Rd, Beaver Ridge Dr | $230,000 | $210,000 | $200,000-$250,000 | $139,000 | $120,000 | $125,000-$150,000 |
| Rush Creek Rd, Twp Rd 14, Falcon Rd, Washington St, Co Rd 44, Hillcrest Dr, Rollingstone Twp, 52nd Ave, High Rd, Twp Rd 8 | $178,000 | $150,000 | $175,000-$200,000 | $166,500 | $160,000 | $150,000-$175,000 |
| Benson Dr N, Channel View Rd, 41st Ave, Co Hwy 31, Colbenson Rd, Buchanan St, Scenic Ridge Dr, Hartwood Dr, Michaelis Rd, Twp Rd 20 | $153,500 | $140,000 | $125,000-$150,000 | $92,500 | $70,000 | $75,000-$100,000 |
| Norton Twp, Summit Dr, Old Valley Rd, Middle Valley Rd, New Hartford Twp19, 3rd St NW, 14th St, Bluff Ave, Tree Tops Ln, 71st Ave | $284,500 | $250,000 | $250,000-$300,000 | $147,500 | $130,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$186 | $791 |
| Superior Protection Discount | -$98 | $879 |
| Fire & Security Discount | -$78 | $898 |
| Hail Resistant Roof Discount | -$29 | $947 |
| Newly Constructed Home Discount | -$264 | $713 |
| 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 |
| Winona County | $1,500 | $965 | $2,465 | $701 | $2,201 | $264 |
| Winona County, MN | $1,500 | $965 | $2,465 | $701 | $2,201 | $264 |
| Altura, MN | $400 | $978 | $1,378 | $711 | $1,111 | $267 |
| Peterson, MN | $700 | $767 | $1,467 | $557 | $1,257 | $210 |
| Arendahl, MN | $100 | $1,396 | $1,496 | $1,015 | $1,115 | $382 |
| Whalan, MN | $2,000 | $763 | $2,763 | $554 | $2,554 | $208 |
| Eyota, MN | $400 | $1,065 | $1,465 | $774 | $1,174 | $291 |
| Gale, WI | $700 | $701 | $1,401 | $510 | $1,210 | $192 |
| Modena, WI | $300 | $642 | $942 | $467 | $767 | $176 |
| North Bend, WI | $700 | $651 | $1,351 | $473 | $1,173 | $178 |
| Coon Valley, WI | $500 | $571 | $1,071 | $415 | $915 | $156 |
| Osseo, WI | $700 | $586 | $1,286 | $426 | $1,126 | $160 |
| Home Insurance Company Winona County, MN | Homeowners Insurance Agency Winona County, MN | Address | Popularity Score | Distance from Winona County (miles) |
|---|---|---|---|---|
| Travelers | Sandvik Insurance Agency | 826 S Broadway, Rochester, MN, 55904 | 34.3 | |
| Travelers | Sandvik Insurance Agency | 826 S Broadway, Rochester, MN, 55904 | 34.3 | |
| Farmers | Ashley Wilson | 1632 Highway 52 N, Rochester, MN, 55901 | 35.6 | |
| State Farm | Shawn Christensen | 1903 S Broadway Ste 8, Rochester, MN, 55904-7924 | 34.2 | |
| Allstate | Ross Harrison | 103 W Broadway St, Winona, MN, 55987 | 8.3 | |
| State Farm | Matt Kechely | 1712 37th St Nw, Rochester, MN, 55901-4228 | 35.9 | |
| Farmers | April Carrier | 702 Mankato Ave Ste 200, Winona, MN, 55987 | 8.6 | |
| State Farm | John Falvey | 114 S Washington Street, Lake City, MN, 55041-1034 | 40.4 | |
| Travelers | Kemp Insurance | 108 E Center St, Lake City, MN, 55041 | 40.3 | |
| Farmers | Brett Schmit | 1159 Gilmore Ave Ste 1, Winona, MN, 55987 | 7.1 |
| 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 | $1,700 | $830 |
| Winona County, MN | $158,400 | $977 | $670 | $1,360 | $690 |
| Winona County, MN | $158,400 | $977 | $660 | $1,340 | $680 |
| Altura, MN | $143,500 | $990 | $670 | $1,380 | $710 |
| Peterson, MN | $99,100 | $776 | $530 | $1,080 | $550 |
| Arendahl, MN | $277,100 | $1,413 | $970 | $1,950 | $980 |
| Whalan, MN | $98,300 | $772 | $560 | $1,070 | $510 |
| Eyota, MN | $165,900 | $1,078 | $730 | $1,480 | $750 |
| Gale, WI | $185,200 | $710 | $490 | $1,000 | $510 |
| Modena, WI | $150,000 | $650 | $460 | $930 | $470 |
| North Bend, WI | $154,500 | $659 | $470 | $940 | $470 |
| Coon Valley, WI | $118,800 | $578 | $420 | $790 | $370 |
| Osseo, WI | $124,600 | $593 | $410 | $810 | $400 |