Gavop's guide to buying homeowners insurance in Mendota Heights, 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $129,000 | $120,000 | $100,000-$125,000 |
| 2 Bedroom | $370,000 | $310,000 | $350,000-$400,000 |
| 3 Bedroom | $281,000 | $230,000 | $250,000-$300,000 |
| 4 Bedroom | $378,500 | $360,000 | $400,000-$500,000 |
| 5 Bedroom | $595,000 | $510,000 | $600,000-$700,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$173 | $790 |
| Superior Protection Discount | -$87 | $877 |
| Fire & Security Discount | -$106 | $857 |
| Hail Resistant Roof Discount | -$29 | $934 |
| Newly Constructed Home Discount | -$202 | $761 |
| 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 | $2,000 | $1,198 | $3,198 | $871 | $2,871 | $327 |
| Mendota Heights, MN | $1,000 | $952 | $1,952 | $692 | $1,692 | $260 |
| Eagan, MN | $200 | $1,220 | $1,420 | $887 | $1,087 | $333 |
| Afton, MN | $2,000 | $1,990 | $3,990 | $1,446 | $3,446 | $544 |
| Eden Prairie, MN | $300 | $1,411 | $1,711 | $1,026 | $1,326 | $386 |
| Plymouth, MN | $1,000 | $1,390 | $2,390 | $1,010 | $2,010 | $380 |
| Loretto, MN | $500 | $1,292 | $1,792 | $939 | $1,439 | $353 |
| Chisago City, MN | $2,000 | $1,265 | $3,265 | $919 | $2,919 | $346 |
| Watertown, MN | $300 | $1,103 | $1,403 | $801 | $1,101 | $301 |
| Heidelberg, MN | $1,000 | $1,234 | $2,234 | $897 | $1,897 | $337 |
| Osceola, WI | $300 | $719 | $1,019 | $523 | $823 | $197 |
| Baldwin, MN | $2,500 | $832 | $3,332 | $605 | $3,105 | $227 |
| Home Insurance Company Mendota Heights, MN | Homeowners Insurance Agency Mendota Heights, MN | Address | Popularity Score | Distance from Mendota Heights (miles) |
|---|---|---|---|---|
| State Farm | Chad Babcock | 2015 Hillcrest Ave, Saint Paul, MN, 55116-2386 | 3.7 | |
| Travelers | Carney Insurance Services | 944 Lake St S, Forest Lake, MN, 55025 | 28.0 | |
| Travelers | Ace Insurance Agency Llc | 415 Cedar Ave S, Minneapolis, MN, 55454 | 8.4 | |
| Liberty Mutual Independent | Stein Insurance Agency Inc | 12800 Lake Blvd, Lindstrom, MN, 55045 | 38.0 | |
| Farmers | Yanelis Jinete | Old West Main St Ste 2345, Red Wing, MN, 55066 | 35.8 | |
| Allstate | Tom Baecker | 373 Pedersen St Ste 104, Saint Paul, MN, 55119 | 7.8 | |
| Travelers | Richfield State Insurance | 6625 Lyndale Ave S Ste 410, Richfield, MN, 55423 | 7.5 | |
| Farmers | Brett Peterson | 14555 S Robert Trl Ste 105, Rosemount, MN, 55068 | 9.7 | |
| State Farm | Kent Kitzmann | 3910 Cedar Grv Pkwy, Eagan, MN, 55122-1403 | 5.8 | |
| State Farm | Mike Nelson | 6500 Xerxes Ave S, Edina, MN, 55423-1041 | 9.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Minnesota | $199,700 | $1,192 | $860 | $1,630 | $770 |
| Dakota County, MN | $238,000 | $1,213 | $870 | $1,660 | $790 |
| Mendota Heights, MN | $361,600 | $963 | $680 | $1,360 | $680 |
| Eagan, MN | $262,500 | $1,235 | $900 | $1,750 | $850 |
| Afton, MN | $427,700 | $2,014 | $1,370 | $2,800 | $1,430 |
| Eden Prairie, MN | $334,000 | $1,428 | $1,030 | $2,040 | $1,010 |
| Plymouth, MN | $327,000 | $1,407 | $940 | $1,940 | $1,000 |
| Loretto, MN | $239,400 | $1,308 | $940 | $1,820 | $880 |
| Chisago City, MN | $229,300 | $1,280 | $860 | $1,780 | $920 |
| Watertown, MN | $176,700 | $1,116 | $760 | $1,600 | $840 |
| Heidelberg, MN | $218,800 | $1,249 | $860 | $1,740 | $880 |
| Osceola, WI | $198,600 | $728 | $500 | $1,000 | $500 |
| Baldwin, MN | $197,400 | $843 | $560 | $1,170 | $610 |