Gavop's guide to buying homeowners insurance in Hutchinson, 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 | $60,000 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $162,000 | $150,000 | $125,000-$150,000 |
| 3 Bedroom | $219,000 | $190,000 | $250,000-$300,000 |
| 4 Bedroom | $284,000 | $230,000 | $250,000-$300,000 |
| 5 Bedroom | $345,500 | $300,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$115 | $708 |
| Superior Protection Discount | -$74 | $749 |
| Fire & Security Discount | -$74 | $749 |
| Hail Resistant Roof Discount | -$25 | $799 |
| Newly Constructed Home Discount | -$222 | $601 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,095 |
| Physical Damage | $2,488 |
| Hail Damage | $4,900 |
| Wind Damage | $6,051 |
| Expensive Claims | |
| Fire | $45,123 |
| Smoke | $16,218 |
| Home Insurance Company Hutchinson, MN | Homeowners Insurance Agency Hutchinson, MN | Address | Popularity Score | Distance from Hutchinson (miles) |
|---|---|---|---|---|
| Farmers | Pavel Liashkovich | 7206 Forestview Ln N Ste 115, Maple Grove, MN, 55369 | 48.5 | |
| State Farm | Joe Liedl | 7200 Hemlock Ln N Ste 102, Maple Grove, MN, 55369-5587 | 48.4 | |
| Allstate | Stanley Winnie | 6409 City West Pkwy Ste 100, Eden Prairie, MN, 55344 | 47.1 | |
| State Farm | Bruce Capra | 4646 Colorado Street, Prior Lake, MN, 55372-2417 | 48.2 | |
| Travelers | Gilbert Brothers Insurance | 10900 Wayzata Blvd Ste 215, Minnetonka, MN, 55305 | 47.5 | |
| State Farm | Brad Billings | 421 1st Ave E, Shakopee, MN, 55379-1462 | 42.4 | |
| Travelers | Advantage 1 Insurance Agency Inc | 3801 3rd St N #101 Saint Cloud, St. Cloud, MN, 56303 | 47.3 | |
| Liberty Mutual Independent | Horizon Agency Inc | 6500 City West Pkwy #100 Eden Prairie, Eden Prairie, MN, 55344 | 47.3 | |
| Allstate | Security Insurance Agency | 265 Main St S, Hector, MN, 55342 | 19.3 | |
| Farmers | Kelly Eldred | 2960 Winnetka Ave N Ste 212, Crystal, MN, 55427 | 49.6 |
| 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 |
| McLeod County, MN | $150,400 | $977 | $690 | $1,390 | $700 |
| Hutchinson, MN | $141,200 | $823 | $550 | $1,160 | $610 |
| Collinwood, MN | $250,800 | $1,340 | $980 | $1,860 | $880 |
| Albion, MN | $284,100 | $1,433 | $1,030 | $1,960 | $930 |
| Carver County, MN | $287,200 | $1,298 | $900 | $1,830 | $930 |
| Corinna, MN | $293,200 | $1,459 | $990 | $2,090 | $1,100 |
| Mound, MN | $228,100 | $907 | $620 | $1,260 | $640 |
| Danube, MN | $80,100 | $665 | $480 | $950 | $470 |
| Clear Lake, MN | $273,600 | $1,403 | $970 | $1,990 | $1,020 |
| Rogers, MN | $298,700 | $1,049 | $760 | $1,450 | $690 |
| Mamre, MN | $208,700 | $1,219 | $840 | $1,670 | $830 |
| St. Martin, MN | $208,800 | $1,220 | $880 | $1,670 | $790 |