Gavop's guide to buying homeowners insurance in Hennepin 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.
| Hennepin County, MN - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Payton Ct, Greenview Ln, Overlook Ln N, Monterey Ave S, Balfanz Rd, Metro Pkwy, Lincoln Ave, Old Wagon Trl, Louisiana Cir S, Rest Point Rd | $270,000 | $230,000 | $300,000-$350,000 | $214,000 | $180,000 | $250,000-$300,000 |
| Noble Pkwy, Timber Trl, Comstock Rd, Schaefer Cir, Stone Rd, Shorewood Ln, Dell Ln, Marquis Rd, Chippewa Cir, Palmer Rd | $317,500 | $290,000 | $300,000-$350,000 | $369,500 | $330,000 | $350,000-$400,000 |
| Atwater St, Xerxes Ct N, Frontenac Ave, Nathan Ln, W End Ln, Miracle Ln, Watertown Rd, W 80th Street Cir, Old Wayzata Blvd, Roslyn Pl | $261,500 | $220,000 | $300,000-$350,000 | $215,000 | $200,000 | $200,000-$250,000 |
| 115th 1/2 Ave N, 37th Pl N, Tucker Ln, Westwood Ln, Kramer Rd, Louisiana Ct E, Ensign Cir, 103rd Trl, Hawthorne Ave, Brookdale Dr N | $273,500 | $250,000 | $300,000-$350,000 | $162,000 | $150,000 | $150,000-$175,000 |
| Yosemite Cir, Idlewood Rd, Porcupine Ct, Mound Ave, 76th Ct N, 28th Ave S, Birch Ave, Dunkirk Ln, Northglen Dr, 45 1/2 Ave | $157,500 | $130,000 | $125,000-$150,000 | $140,500 | $130,000 | $125,000-$150,000 |
| Hyde Park Cir, Philbrook Ln, Rolf Ave, Aspen Rd, Louisiana Ct, Woodend Pl, Mohawk Dr, Village Ln, James Ave, Morgan Cir N | $215,500 | $170,000 | $200,000-$250,000 | $176,500 | $150,000 | $175,000-$200,000 |
| Scot Ter, Brookview Ave, Deephaven Ave, Runnymeade Ct, Western Ter, Co Rd 110 Exd, Bergamot Dr, Northway Dr, Brookdale Ln, Oxborough Rd | $157,000 | $140,000 | $125,000-$150,000 | $169,500 | $140,000 | $125,000-$150,000 |
| Oak Bend Ln, Teton Trl, Quail Ridge Trl, N Brook Ave N, Nord Cir, Sycamore Ln, Abbey Hill Dr, Natchez Ave N, Little Rd, Vinewood Ln | $269,000 | $230,000 | $250,000-$300,000 | $234,500 | $210,000 | $250,000-$300,000 |
| Tessman Dr, W 101 1/2 St, N Arm Dr, Padons Dr, Roberts Dr, Keene Ave, Kirkwood Way N, Strehler Rd, Indian Hill Rd, Wally St | $752,500 | $710,000 | $600,000-$700,000 | $455,500 | $370,000 | $350,000-$400,000 |
| 115th Ln N, W 67th Street Cir, N Hillcrest Ct, 2 1/2 St NE, Irving Ct N, 104th Ave N, Verdi Rd, Bayard Ct, Quarles Rd, Smetana Rd | $270,500 | $240,000 | $250,000-$300,000 | $231,000 | $200,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$222 | $1,010 |
| Superior Protection Discount | -$111 | $1,121 |
| Fire & Security Discount | -$86 | $1,146 |
| Hail Resistant Roof Discount | -$37 | $1,195 |
| Newly Constructed Home Discount | -$283 | $949 |
| 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 | $1,000 | $1,217 | $2,217 | $885 | $1,885 | $333 |
| Hennepin County, MN | $700 | $1,217 | $1,917 | $885 | $1,585 | $333 |
| Shoreview, MN | $200 | $937 | $1,137 | $681 | $881 | $256 |
| Hamburg, MN | $2,000 | $981 | $2,981 | $713 | $2,713 | $268 |
| Stillwater, MN | $100 | $951 | $1,051 | $691 | $791 | $260 |
| Nininger, MN | $1,500 | $1,484 | $2,984 | $1,078 | $2,578 | $406 |
| Cokato, MN | $100 | $947 | $1,047 | $689 | $789 | $259 |
| Silver Lake, MN | $1,000 | $874 | $1,874 | $635 | $1,635 | $239 |
| McLeod County, MN | $300 | $966 | $1,266 | $702 | $1,002 | $264 |
| Fairhaven, MN | $700 | $1,043 | $1,743 | $758 | $1,458 | $285 |
| Chisago Lake, MN | $400 | $1,329 | $1,729 | $966 | $1,366 | $363 |
| St. Croix Falls, WI | $1,500 | $632 | $2,132 | $460 | $1,960 | $173 |
| Home Insurance Company Hennepin County, MN | Homeowners Insurance Agency Hennepin County, MN | Address | Popularity Score | Distance from Hennepin County (miles) |
|---|---|---|---|---|
| State Farm | Kyle Vitense | 10100 6th Ave N Ste 116, Plymouth, MN, 55441-6378 | 3.6 | |
| State Farm | Matt Boockmeier | 5100 Eden Ave Ste 105, Edina, MN, 55436-2333 | 9.0 | |
| State Farm | Tom Swirtz | 14635 Excelsior Blvd, Minnetonka, MN, 55345-6605 | 7.1 | |
| Allstate | Jacob Miesen | 23570 Highway 7, Excelsior, MN, 55331 | 9.4 | |
| Allstate | Dan Speegle | 507 County Road 42 E, Burnsville, MN, 55306 | 21.0 | |
| Travelers | Gladwin Insurance | 738 11th Ave S, Hopkins, MN, 55343 | 7.1 | |
| State Farm | Jim Lindahl | 11505 County Road 3, Hopkins, MN, 55343-7466 | 6.4 | |
| State Farm | Curt Hotzler | 9325 Upland Ln N Ste 250, Maple Grove, MN, 55369-4487 | 8.2 | |
| State Farm | Tom Sullivan | 530 Central Ave, Osseo, MN, 55369-1129 | 8.7 | |
| Allstate | Christopher Reinke | 1321 Andover Blvd Ne Ste 116, Andover, MN, 55304 | 19.8 |
| 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 | $1,630 | $830 |
| Hennepin County, MN | $245,400 | $1,232 | $890 | $1,760 | $870 |
| Hennepin County, MN | $245,400 | $1,232 | $840 | $1,740 | $900 |
| Shoreview, MN | $248,600 | $948 | $640 | $1,300 | $660 |
| Hamburg, MN | $144,200 | $993 | $690 | $1,410 | $720 |
| Stillwater, MN | $255,900 | $963 | $650 | $1,360 | $710 |
| Nininger, MN | $307,700 | $1,502 | $1,020 | $2,060 | $1,040 |
| Cokato, MN | $136,300 | $959 | $640 | $1,320 | $680 |
| Silver Lake, MN | $120,100 | $885 | $590 | $1,220 | $630 |
| McLeod County, MN | $150,400 | $977 | $710 | $1,390 | $680 |
| Fairhaven, MN | $160,200 | $1,056 | $760 | $1,490 | $730 |
| Chisago Lake, MN | $252,800 | $1,345 | $970 | $1,870 | $900 |
| St. Croix Falls, WI | $145,000 | $640 | $450 | $880 | $430 |