How Can I Make My St. Paul, MN Home Insurance Cheaper

Gavop's guide to buying homeowners insurance in St. Paul, 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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No	Topics
1	Research How your St. Paul, MN Home Impacts your Rates
2	Match your Background to St. Paul, MN Home Insurance Offers
3	Optimize your St. Paul, MN Homeowners Insurance Policy
4	Identify Top Home Insurance Agents near St. Paul, MN
5	Compare Rates from Home Insurance Companies in St. Paul, MN
6	Research Home Insurance Companies Reviews in St. Paul, MN

Select the Suitable Coverage Value for your St. Paul, MN Home | Back to Top

Bedrooms	Average Home Value	Estimated Replacement Value	Recommended Home Insurance Coverage
1 Bedroom	$67,500	$60,000	$75,000-$100,000
2 Bedroom	$151,000	$130,000	$125,000-$150,000
3 Bedroom	$190,500	$160,000	$175,000-$200,000
4 Bedroom	$259,000	$230,000	$200,000-$250,000
5 Bedroom	$430,500	$410,000	$400,000-$500,000

Estimate your Savings with Home Insurance Discounts in St. Paul, MN | Back to Top

Type	Discount ($)	Premium After Discount ($)
Multipolicy Discount	-$182	$889
Superior Protection Discount	-$107	$964
Fire & Security Discount	-$118	$954
Hail Resistant Roof Discount	-$21	$1,050
Newly Constructed Home Discount	-$311	$761

Choose your St. Paul, MN Home Insurance Coverage for your Specific Claim Requirement | Back to Top

Claim Type	Average Claim Cost
General Claims
Water Damage	$5,975
Physical Damage	$2,368
Hail Damage	$4,853
Wind Damage	$6,560
Expensive Claims
Fire	$42,442
Smoke	$17,222

Identify Top Home Insurance Agents near St. Paul, MN | Back to Top

Home Insurance Company St. Paul, MN	Homeowners Insurance Agency St. Paul, MN	Address	Distance from St. Paul (miles)
Allstate	Troy Beugen	7101 10th St N, Oakdale, MN, 55128	7.0
Travelers	Insurance Dynamics	1818 Wooddale Dr Ste 102, Woodbury, MN, 55125	6.9
Travelers	Novallus Insurance Brokers	600 Twelve Oaks Center Dr Ste 217, Wayzata, MN, 55391	18.2
State Farm	Jerry Vang	701 4th Ave S Ste 220, Minneapolis, MN, 55415-3071	8.2
Travelers	Maguire Agency	1970 Oakcrest Ave Ste 300, Roseville, MN, 55113	6.1
State Farm	Moon Lai	2718 Nicollet Ave Ste 204, Minneapolis, MN, 55408-1648	8.5
State Farm	Kim Nybo	2724 University Ave Se, Minneapolis, MN, 55414-3210	5.8
Travelers	Maguire Agency	1970 Oakcrest Ave Ste 300 St Paul, Roseville, MN, 55113	6.1
Farmers	Wally Sheptak	2489 Rice St Ste 180, Saint Paul, MN, 55113	4.6
State Farm	Paul Weinberg	1635 Robert St S, West St Paul, MN, 55118-4580	3.8

Compare Rates for St. Paul, 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	$870	$1,680	$810
Ramsey County, MN	$208,700	$1,134	$830	$1,600	$770
St. Paul, MN	$187,400	$1,071	$730	$1,520	$790
North St. Paul, MN	$183,300	$810	$570	$1,160	$590
Dakota County, MN	$238,000	$1,213	$810	$1,710	$900
Credit River, MN	$400,400	$1,015	$720	$1,390	$670
Anoka County, MN	$205,000	$1,123	$760	$1,600	$840
Dayton, MN	$246,800	$1,329	$960	$1,890	$930
Scandia, MN	$342,300	$1,616	$1,120	$2,210	$1,090
Ramsey, MN	$221,500	$894	$640	$1,240	$600
Lent, MN	$238,200	$1,305	$870	$1,870	$1,000
Alden, WI	$222,000	$756	$520	$1,070	$550
Zimmerman, MN	$161,800	$892	$630	$1,220	$590

Research Home Insurance Companies Reviews in St. Paul, MN Before Buying | Back to Top

Share a review on your home insurance company

Farm Bureau Home Insurance Reviews

Date: October 24, 2019 Age: 30 to 39 Gender: Female Marital Status: Married

Premium

From what I have heard from friends- our deductibles are much lower than other insurance companies.

Date: February 26, 2019 Age: 50 to 59 Gender: Female Marital Status: Unmarried

Customer Service

These is a very dedicated office in helping the client. They make it very easy to file a claim promptly.

Date: September 22, 2018 Age: 30 to 39 Gender: Male Marital Status: Married

Communication

They send me my policy on time and always give me places to go to for more information. They are very upfront about coverage, limitations, and charges.

Date: September 14, 2018 Age: 40 to 49 Gender: Female Marital Status: Married

Customer Service

I really haven't had to use them much. Just some quick questions and they have been great. My insurance broker is also very willing to answer or find out the answer to questions as well. So I have two lines of communication open to me.5

Date: August 03, 2018 Age: 50 to 59 Gender: Female Marital Status: Unmarried

Premium

My premium is very reasonable. I did have my insurance broker get several premiums and this was the lowest for the same coverage. When we bought the house two years ago, my lending agent recommended an insurance agent (at my request) and the quotes he got were at least 25% higher.

Date: August 02, 2018 Age: 40 to 49 Gender: Female Marital Status: Married

Policy Offerings

Looking at my policy, here is the list of what is covered: dwelling structure coverage, personal prop coverage, another structure cover, loss of use cover, debris removal, reasonable repairs, and property removed, collapse, glass or safety glaze material, law and ordinance, furnishings, mold/fungi

Date: July 28, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried

Website/App

I've only had to use the website a couple of times to look up information about my policy and contact numbers, and it's been very helpful. Very user-friendly. Easy on the eyes font-wise and color-wise, and easy to find what I was looking for.

Universal Property & Casualty Insurance Company Home Insurance Reviews

Date: September 01, 2018 Age: 30 to 39 Gender: Male Marital Status: Married

Policy Offerings

Covers damage of infrastructure, damage of something fortuitous that can occasional complete damage of the house like an earthquake, flood, etc. It also covers medical damages if something in the house causes human harm.

Date: August 27, 2018 Age: 30 to 39 Gender: Male Marital Status: Married

Premium

Well I really have not looked for much information about other companies, however, I think it's very good I'm paying, I do not think it's exaggerated and I think it's very fair.

Date: June 08, 2018 Age: 40 to 49 Gender: Male Marital Status: Unmarried

Customer Service

Very good and personalized, they treat the client very well and always try to clarify the doubts in a very efficient and friendly way, taking into account that if we have any problem they immediately respond.

Date: March 13, 2018 Age: 50 to 59 Gender: Female Marital Status: Married

Communication

I think it's a good thing because I see it as normal, I have not had any kind of inconvenience with them, which is why I think everything is excellent, considering that I have not listened to other clients as such, complaining about them.

Date: November 18, 2017 Age: 40 to 49 Gender: Male Marital Status: Married

Website/App

I like its interface though, it's a bit quick ... However, when I have bad luck it is reported they solve very fast.

Black Ridge Bank Home Insurance Reviews

Date: August 08, 2018 Age: 20 to 29 Gender: Male Marital Status: Married

Policy Offerings

my policy covers the damage caused by fires, landslides, storms and everything related to natural disasters does not cover one hundred percent, but eighty percent, of the damage, caused to housing

Date: August 02, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried

Website/App

The site of my insurance company is really complete with all the necessary information to be informed about all the services that the company provides to the client, it is easy to use and very complete.

Date: May 14, 2018 Age: 20 to 29 Gender: Female Marital Status: Married

Communication

my insurance company is always informed about new offers that are aware of everything, they really communicate very well with all their customers

Date: November 19, 2017 Age: 20 to 29 Gender: Female Marital Status: Married

Premium

premium coverage is a service offered by the company that I like a great Venice as a customer I am very comfortable with that service currently

Date: November 19, 2017 Age: 20 to 29 Gender: Female Marital Status: Married

Customer Service

the customer service is very cheap, I have nothing negative for the moment I decide on the service, that the workers give me as a client, that has always been very pleasant, they are very attentive and respectful

AIG Home Insurance Reviews

Date: January 01, 2019 Age: 40 to 49 Gender: Female Marital Status: Married

Premium

The premium and deductible are the same as other companies however the premium is half as most other companies for the same exact coverage.

Date: December 29, 2018 Age: 40 to 49 Gender: Male Marital Status: Married

Policy Offerings

We shopped with three companies to compare quotes. AIG gave us the best blend of price and coverage. When they came out to do the inspection on our property they found that our roof was listed as asphult and was in fact tile. Because of this error our policy was over priced and they issued a refund check.

Travelers Home Insurance Reviews

Date: August 09, 2019 Age: 50 to 59 Gender: Female Marital Status: Married

Premium

I believe our deductibles are very reasonable. We have a $2700 deductible for windstorm or hail and a damage from either would likely far exceed that amount.

Date: February 21, 2019 Age: 50 to 59 Gender: Male Marital Status: Married

Premium

I give travelers a 3, but I am not sure I could rate anyone else higher. we have no loyalty to travelers and would be content to move to another company offering similar benefits at lower cost.

GEICO Home Insurance Reviews

Date: October 11, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried

Customer Service

We just experienced a very high wind storm and my chimney cap actually blew off into our yard. We had to call the home insurance company and the customer service people were great.

Date: November 21, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried

Policy Offerings

They offer everything I need and more I currently have multiple vehicles covered by them as well as my home and some other things. This is great because I only need one company for everything and get a hefty discount.

State Farm Home Insurance Reviews

Date: September 20, 2019 Age: 20 to 29 Gender: Male Marital Status: Married

Customer Service

experience with the home insurance company's customer service is verygood and we will get more benefits

Date: December 08, 2018 Age: 20 to 29 Gender: Female Marital Status: Married

Customer Service

They have always been helpful and the customer service is excellent. I feel that the prices and rates are fair and I don't feel as if I'm being ripped off. I think the coverage is great. I would suggest people look into them!

Allstate Home Insurance Reviews

Date: April 01, 2019 Age: 30 to 39 Gender: Female Marital Status: Married

Customer Service

The customer service is prompt but I honestly feel like they don't cover enough. Our heating system was damaged during a storm and they refused to pay for it which cost us a lot.

Grange Insurance Home Insurance Reviews

Date: July 01, 2019 Age: 40 to 49 Gender: Male Marital Status: Married

Policy Offerings

Grange has really good policy offerings. They are able to offer us more items than we had previously with State Farm. I am happy with what they have to offer.

American Family Insurance Home Insurance Reviews

Date: November 02, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried

Policy Offerings

Our insurance policy covers a great deal and gives us the satisfaction of knowing we are protected against fires, thefts and accidental injury to others on our property. It not only covers our home (the structure) but the contents inside as well.