How Can I Make My Minnetonka, MN Home Insurance Cheaper
Gavop tells you how to get the best homeowners insurance in Minnetonka, MN by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
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Select the Suitable Coverage Value for your Minnetonka, MN Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $96,500 | $90,000 | $100,000-$125,000 |
| 2 Bedroom | $204,000 | $170,000 | $175,000-$200,000 |
| 3 Bedroom | $282,000 | $240,000 | $250,000-$300,000 |
| 4 Bedroom | $322,000 | $270,000 | $300,000-$350,000 |
| 5 Bedroom | $332,000 | $300,000 | $350,000-$400,000 |
Estimate your Savings with Home Insurance Discounts in Minnetonka, MN | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$261 | $1,113 |
| Superior Protection Discount | -$137 | $1,237 |
| Fire & Security Discount | -$151 | $1,223 |
| Hail Resistant Roof Discount | -$27 | $1,347 |
| Newly Constructed Home Discount | -$275 | $1,099 |
Choose the Right Deductible for your Minnetonka, 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 |
| Hennepin County | $1,500 | $1,217 | $2,717 | $885 | $2,385 | $333 |
| Minnetonka, MN | $1,500 | $1,358 | $2,858 | $987 | $2,487 | $371 |
| Long Lake, MN | $300 | $1,387 | $1,687 | $1,008 | $1,308 | $379 |
| Louisville, MN | $1,500 | $1,927 | $3,427 | $1,400 | $2,900 | $527 |
| Carver, MN | $400 | $1,489 | $1,889 | $1,082 | $1,482 | $407 |
| Ramsey, MN | $700 | $883 | $1,583 | $642 | $1,342 | $241 |
| Camden, MN | $500 | $1,489 | $1,989 | $1,082 | $1,582 | $407 |
| Buffalo, MN | $1,000 | $805 | $1,805 | $585 | $1,585 | $220 |
| Middleville, MN | $100 | $1,298 | $1,398 | $943 | $1,043 | $355 |
| Martin Lake, MN | $1,000 | $1,152 | $2,152 | $837 | $1,837 | $315 |
| Dryden, MN | $100 | $1,179 | $1,279 | $857 | $957 | $322 |
| Clear Lake, MN | $2,000 | $1,386 | $3,386 | $1,007 | $3,007 | $379 |
Identify Top Home Insurance Agents near Minnetonka, MN | Back to Top
| Home Insurance Company Minnetonka, MN | Homeowners Insurance Agency Minnetonka, MN | Address | Popularity Score | Distance from Minnetonka (miles) |
|---|---|---|---|---|
| Travelers | Advisornet Property & Casualty | 701 Fourth Ave S Ste 1620, Minneapolis, MN, 55415 | 9.7 | |
| Liberty Mutual Independent | Oakwood Insurance Agency | 2003 Nw Northdale Boulevard Coon Rapids, Coon Rapids, MN, 55433 | 18.5 | |
| State Farm | Michael Omalley | 12815 Lake Blvd, Lindstrom, MN, 55045-9345 | 43.4 | |
| State Farm | Karl Herman | 3017 W 56th St, Minneapolis, MN, 55410-2428 | 7.1 | |
| Allstate | Walser Insurance Services | 7700 France Ave S Ste 410n, Edina, MN, 55435 | 7.9 | |
| Farmers | Ryan Anderson | 7841 Wayzata Blvd Ste 210, Minneapolis, MN, 55426 | 4.6 | |
| State Farm | Ted Rose | 8347 Unv Ave Ne, Fridley, MN, 55432-1100 | 14.8 | |
| Allstate | Jacob Miesen | 23570 Highway 7, Excelsior, MN, 55331 | 6.7 | |
| State Farm | Kim Schaffer | 112 E 5th St Ste 104, Chaska, MN, 55318-2253 | 12.2 | |
| State Farm | Scott Roth | 984 Inwood Ave N, Oakdale, MN, 55128-6625 | 25.7 |
Compare Rates for Minnetonka, 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 | $800 | $1,690 | $890 |
| Hennepin County, MN | $245,400 | $1,232 | $890 | $1,690 | $800 |
| Minnetonka, MN | $315,800 | $1,374 | $920 | $1,970 | $1,050 |
| Long Lake, MN | $274,100 | $1,404 | $940 | $1,990 | $1,050 |
| Louisville, MN | $416,700 | $1,950 | $1,310 | $2,790 | $1,480 |
| Carver, MN | $309,300 | $1,507 | $1,020 | $2,090 | $1,070 |
| Ramsey, MN | $221,500 | $894 | $640 | $1,270 | $630 |
| Camden, MN | $309,400 | $1,507 | $1,020 | $2,080 | $1,060 |
| Buffalo, MN | $185,600 | $815 | $550 | $1,120 | $570 |
| Middleville, MN | $241,400 | $1,314 | $890 | $1,810 | $920 |
| Martin Lake, MN | $191,700 | $1,166 | $800 | $1,620 | $820 |
| Dryden, MN | $200,000 | $1,193 | $850 | $1,630 | $780 |
| Clear Lake, MN | $273,600 | $1,403 | $940 | $1,980 | $1,040 |
Research Home Insurance Companies Reviews in Minnetonka, MN Before Buying | Back to Top
Share a review on your home insurance company
GEICO Home Insurance Reviews
Date: December 28, 2019 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Customer Service
I would rate Geico customer service as a 5, any time that I have had any questions I can either call or email or even open my app to have my questions answered within minutes. So convenient and everyone I've dealt with has always been kind.
Date: December 28, 2019 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Premium
With GEICO home insurance, you get more savings if you bundle with car insurance. Actually my initial premium per month was $6, however, I dropped the car insurance which made my home insurance premiums go up.
Date: January 07, 2019 Age: 50 to 59 Gender: Male Marital Status: Unmarried
Customer Service
when calling on the telephone to get a quote on home Insurance, asked a question or make a payment on your existing bill, customer services is very nice and friendly. After our conversation, customer services ask if there anything else they can help you with?
State Farm Home Insurance Reviews
Date: January 14, 2020 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Customer Service
I would rate my insurance at a 4 since they have been helpful through difficult situations
Date: April 05, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Policy Offerings
I did not do much investigating, I compared with friends and family to what they were paying verse what the actually company said.
Date: October 29, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Website/App
I have neither likes or dislikes about the website as I've never needed to use it. I do not have the app. Other than our initial setup, we have not had to change or claim anything.
American Family Home Insurance Reviews
Date: July 05, 2019 Age: 20 to 29 Gender: Male Marital Status: Married
Customer Service
We haven't had to have much interaction with the home owners side of the insurance company because we have not filed a claim. When we set up our policy they were helpful.
MetLife Home Insurance Reviews
Date: November 05, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Communication
The interaction with this Company is always based on great respect, and the effective attention it gives me.
Progressive Home Insurance Reviews
Date: January 11, 2020 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Policy Offerings
Their offerings is simple and what I like is the ability to bundle with car insurance. Other providers try to make me buy services separately and that is very annoying.
American National Property and Casualty Company Home Insurance Reviews
Date: November 17, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Customer Service
We have had our home owners insurance through the same company for quite a few years and the only time we have had a claim was after a hail storm that did damage to roof, gutters and garage door. The insurance company sent an appraiser to review the damage and they did a very good job and worked well with the roofing company contracted to make the repairs. There wasn't a lot interaction with the insurance company because there didn't need to be. Everything was taken care of as expected and we were pleased with the overall experience.
Allstate Home Insurance Reviews
Date: August 10, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Customer Service
I am happy for the home insurance company's customer service. Every time I called them, they can help me and guide me what I needed to do.
Integrity Insurance Home Insurance Reviews
Date: June 04, 2019 Age: 20 to 29 Gender: Married Marital Status: Female
Premium
I am not sure about other companies, but I am extremely upset that the state allowed insurance companies after Hurricane Andrew to have separate hurricane policies on the coverage.