Gavop's guide to buying homeowners insurance in Wright County, 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 | $76,500 | $60,000 | $75,000-$100,000 |
| 2 Bedroom | $119,000 | $100,000 | $125,000-$150,000 |
| 3 Bedroom | $145,500 | $120,000 | $150,000-$175,000 |
| 4 Bedroom | $363,000 | $320,000 | $300,000-$350,000 |
| 5 Bedroom | $475,000 | $390,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$217 | $925 |
| Superior Protection Discount | -$103 | $1,039 |
| Fire & Security Discount | -$103 | $1,039 |
| Hail Resistant Roof Discount | -$23 | $1,119 |
| Newly Constructed Home Discount | -$228 | $914 |
| 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 |
| Wright County | $700 | $1,128 | $1,828 | $820 | $1,520 | $308 |
| Wright County, MN | $1,500 | $1,128 | $2,628 | $820 | $2,320 | $308 |
| Watertown, MN | $300 | $1,103 | $1,403 | $801 | $1,101 | $301 |
| Benton, MN | $2,500 | $1,437 | $3,937 | $1,044 | $3,544 | $393 |
| Carver, MN | $500 | $1,489 | $1,989 | $1,082 | $1,582 | $407 |
| Hilltop, MN | $1,000 | $137 | $1,137 | $100 | $1,100 | $38 |
| Minneapolis, MN | $400 | $1,158 | $1,558 | $841 | $1,241 | $316 |
| Arden Hills, MN | $1,500 | $1,006 | $2,506 | $731 | $2,231 | $275 |
| Preston Lake, MN | $200 | $1,079 | $1,279 | $784 | $984 | $295 |
| St. Paul, MN | $2,000 | $1,059 | $3,059 | $769 | $2,769 | $289 |
| Credit River, MN | $300 | $1,003 | $1,303 | $729 | $1,029 | $274 |
| Gem Lake, MN | $700 | $1,458 | $2,158 | $1,060 | $1,760 | $399 |
| Home Insurance Company Wright County, MN | Homeowners Insurance Agency Wright County, MN | Address | Popularity Score | Distance from Wright County (miles) |
|---|---|---|---|---|
| Travelers | North Central Insurance Agency | 16854 Highway 10, Elk River, MN, 55330 | 21.6 | |
| State Farm | Joan Roisum | 7300 France Ave S Ste 220, Edina, MN, 55435-4542 | 37.6 | |
| State Farm | Kyle Vitense | 10100 6th Ave N Ste 116, Plymouth, MN, 55441-6378 | 30.3 | |
| State Farm | Jeff Meyer | 4316 Upton Avenue S, Minneapolis, MN, 55410-1504 | 36.3 | |
| State Farm | Peter Hohn | 7447 Egan Dr Ste 205, Savage, MN, 55378-2260 | 41.4 | |
| Allstate | John W. Wenholz | 3505 Northdale Blvd Nw, Coon Rapids, MN, 55448 | 29.9 | |
| Travelers | Bass Lake Insurance Agency | 7600 Bass Lake Road Suite 109, New Hope, MN, 55428 | 30.0 | |
| Farmers | Gretchen Frana | 5445 28th Ave S, Minneapolis, MN, 55417 | 40.5 | |
| Travelers | Davies & Rendall | 5891 Cedar Lake Rd, Minneapolis, MN, 55416 | 33.2 | |
| State Farm | Bruce Johnson | 568 Lake St S, Forest Lake, MN, 55025-2609 | 48.4 |
| 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 |
| Wright County, MN | $211,500 | $1,142 | $830 | $1,580 | $750 |
| Wright County, MN | $211,500 | $1,142 | $820 | $1,630 | $810 |
| Watertown, MN | $176,700 | $1,116 | $770 | $1,600 | $830 |
| Benton, MN | $291,500 | $1,454 | $970 | $2,020 | $1,050 |
| Carver, MN | $309,300 | $1,507 | $1,010 | $2,080 | $1,070 |
| Hilltop, MN | $11,900 | $139 | $100 | $200 | $100 |
| Minneapolis, MN | $222,600 | $1,172 | $860 | $1,650 | $790 |
| Arden Hills, MN | $283,700 | $1,018 | $700 | $1,420 | $720 |
| Preston Lake, MN | $169,800 | $1,092 | $740 | $1,520 | $780 |
| St. Paul, MN | $187,400 | $1,071 | $740 | $1,530 | $790 |
| Credit River, MN | $400,400 | $1,015 | $740 | $1,440 | $700 |
| Gem Lake, MN | $298,900 | $1,476 | $1,000 | $2,050 | $1,050 |