How Can I Make My Forest Lake, MN Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Forest Lake, 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.
Compare Quotes from Top Providers and Save now!
Select the Suitable Coverage Value for your Forest Lake, MN Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $66,000 | $60,000 | $50,000-$75,000 |
| 2 Bedroom | $167,000 | $150,000 | $150,000-$175,000 |
| 3 Bedroom | $250,000 | $210,000 | $200,000-$250,000 |
| 4 Bedroom | $364,000 | $330,000 | $300,000-$350,000 |
| 5 Bedroom | $396,500 | $340,000 | $400,000-$500,000 |
Estimate your Savings with Home Insurance Discounts in Forest Lake, MN | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$179 | $761 |
| Superior Protection Discount | -$85 | $855 |
| Fire & Security Discount | -$85 | $855 |
| Hail Resistant Roof Discount | -$28 | $912 |
| Newly Constructed Home Discount | -$254 | $686 |
Choose the Right Deductible for your Forest 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 |
| Washington County | $1,000 | $1,224 | $2,224 | $890 | $1,890 | $335 |
| Forest Lake, MN | $2,000 | $929 | $2,929 | $675 | $2,675 | $254 |
| New Brighton, MN | $400 | $901 | $1,301 | $654 | $1,054 | $246 |
| South St. Paul, MN | $2,500 | $905 | $3,405 | $657 | $3,157 | $247 |
| Fish Lake, MN | $300 | $1,276 | $1,576 | $928 | $1,228 | $349 |
| Minnetonka, MN | $2,500 | $1,358 | $3,858 | $987 | $3,487 | $371 |
| Medina, MN | $200 | $2,887 | $3,087 | $2,098 | $2,298 | $789 |
| Baldwin, MN | $2,000 | $832 | $2,832 | $605 | $2,605 | $227 |
| Martell, WI | $500 | $764 | $1,264 | $555 | $1,055 | $209 |
| Prairie Farm, WI | $2,000 | $644 | $2,644 | $468 | $2,468 | $176 |
| Dahlgren, MN | $300 | $1,736 | $2,036 | $1,262 | $1,562 | $474 |
| Cumberland, WI | $1,500 | $576 | $2,076 | $419 | $1,919 | $157 |
Identify Top Home Insurance Agents near Forest Lake, MN | Back to Top
| Home Insurance Company Forest Lake, MN | Homeowners Insurance Agency Forest Lake, MN | Address | Popularity Score | Distance from Forest Lake (miles) |
|---|---|---|---|---|
| State Farm | Ashkan Morvari | 25 W Diamond Lake Rd, Minneapolis, MN, 55419-1926 | 28.4 | |
| Allstate | Jim Harper | 1310 Wayzata Blvd E, Wayzata, MN, 55391 | 32.3 | |
| State Farm | Kimberly Nybo | 4634 Central Ave Ne, Columbia Heights, MN, 55421-2400 | 19.4 | |
| Travelers | All City Agency | 14511 Forest Blvd N, Hugo, MN, 55038 | 6.4 | |
| State Farm | Heather Kielpinski | 2707 Lincoln Dr, Roseville, MN, 55113-1334 | 18.5 | |
| Farmers | Paul Steffel | 7029 20th Ave, Centerville, MN, 55038 | 7.2 | |
| Allstate | Mike Docter | 6240 Quinwood Ln N, Maple Grove, MN, 55369 | 26.4 | |
| State Farm | Chris Ahles | 4509 Allendale Dr, Saint Paul, MN, 55127-6347 | 12.6 | |
| State Farm | Sarah Debruin | 2216 County Road D W Ste F, Saint Paul, MN, 55112-8505 | 18.5 | |
| Farmers | Ryan Anderson | 7841 Wayzata Blvd Ste 210, Minneapolis, MN, 55426 | 27.9 |
Compare Rates for Forest 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 | $850 | $1,690 | $840 |
| Washington County, MN | $264,300 | $1,239 | $840 | $1,760 | $920 |
| Forest Lake, MN | $244,500 | $940 | $690 | $1,300 | $610 |
| New Brighton, MN | $230,200 | $911 | $660 | $1,300 | $640 |
| South St. Paul, MN | $169,200 | $916 | $630 | $1,250 | $620 |
| Fish Lake, MN | $233,700 | $1,292 | $920 | $1,800 | $880 |
| Minnetonka, MN | $315,800 | $1,374 | $950 | $1,880 | $930 |
| Medina, MN | $631,000 | $2,922 | $1,990 | $4,180 | $2,190 |
| Baldwin, MN | $197,400 | $843 | $610 | $1,190 | $580 |
| Martell, WI | $238,200 | $773 | $560 | $1,070 | $510 |
| Prairie Farm, WI | $150,900 | $652 | $460 | $930 | $470 |
| Dahlgren, MN | $377,900 | $1,757 | $1,250 | $2,440 | $1,190 |
| Cumberland, WI | $120,500 | $583 | $430 | $800 | $370 |
Research Home Insurance Companies Reviews in Forest Lake, MN Before Buying | Back to Top
Share a review on your home insurance company
State Farm Home Insurance Reviews
Date: March 09, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
Another 4 for me because the premiums are low we picked them. We have a high deductible but in the horrible chance we actually have to make a claim, an out of pocket up front expense kind of makes sense.
Date: November 20, 2018 Age: 50 to 59 Gender: Male Marital Status: Married
Policy Offerings
From what I have seen there is not a whole lot of difference in one companies offerings compared to another companies offerings. They all seem to offer the same thing they may only offer different packaging options but all can do the same. The main difference is how much are they going to charge me for it.
Erie Insurance Home Insurance Reviews
Date: October 20, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Customer Service
Their customer service is actually very good. They are very fast to reply if you don't catch them live, and their agents are incredibly helpful. They are always polite and can answer any questions that I have.