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.

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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

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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.