Gavop's guide to buying homeowners insurance in Chisago 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.
| Chisago 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 | |
| Goldman Blvd, Crestview Rd, 260th St, Timberwolf Trl, Emerald Blvd, Oak Knoll Ave, 242nd St, 470th St, Algonquin Trl, Eleanor Ave | $170,000 | $150,000 | $125,000-$150,000 | $106,000 | $90,000 | $125,000-$150,000 |
| Leier Dr, Kendall Ln, Gateway Ave, 392nd St, 284th St, 250th St, 335th St, Cambridge Ln, Ironwood Ct N, Lamar Ave | $238,000 | $220,000 | $200,000-$250,000 | $148,500 | $130,000 | $100,000-$125,000 |
| 276th St, Twin Oak Ct, 316th Ln, Lake St, St Croix Ave, Co Rd 56, Itasca Ct, Tern Ave, 2nd Ave, Co Rd 80 | $179,500 | $170,000 | $175,000-$200,000 | $162,500 | $150,000 | $175,000-$200,000 |
| Pine View Pl, Main St, Akerson Ct, Nystrom Ave, Co Rd 83, 530th St, Greystone Ave, Greenway Ave, Amble Ave, Herberg Rd | $150,500 | $140,000 | $125,000-$150,000 | $93,500 | $90,000 | $75,000-$100,000 |
| Rainbow Ave, Blue Heron Trl, Nester Ct, Apache Trl, 280th St, Newlander Ave, Sunlight Basin Rd, Co Hwy 6, Co Rd 86, Vista Rd | $322,500 | $290,000 | $250,000-$300,000 | $136,000 | $130,000 | $125,000-$150,000 |
| Harvester Ave, Scenic Way, Prairie Ct, 295th Ln, Lofton Ave, 393rd St, Donnybrook Dr, Deerwood Trl, Greenway Ave, Jeffrey Ave | $170,000 | $150,000 | $175,000-$200,000 | $120,500 | $100,000 | $100,000-$125,000 |
| Cedarcrest Ct, Ironwood Ln, Fernwood Cir, Finland Ave, Lincoln Trl, Fairfield Ave, Co Hwy 24, N Lakes Ct, Neander Ln, Co Rd 61 | $183,500 | $170,000 | $175,000-$200,000 | $155,500 | $140,000 | $125,000-$150,000 |
| 4th Ave, Cambridge Lake Ests, 273rd St, Locke Ave, 4th Ave N, James Ave, 503rd Cir W, Conger Cir, 318th St, 281st St | $239,500 | $210,000 | $175,000-$200,000 | $242,000 | $200,000 | $250,000-$300,000 |
| Athens Trl, 391st St, Eaglewood, Machmeier Ct, 468th St, N Center Ct, 243rd St, Jonquil Dr, 518th St, Edgewater Ct | $232,000 | $210,000 | $200,000-$250,000 | $151,000 | $140,000 | $150,000-$175,000 |
| Good Valley Rd, Barber Dr, Felton Ave, 384th St, Heather Ln, Morris Trl, Morningside Ct, Spruce St, Walnut St, 4th Ave | $179,000 | $150,000 | $150,000-$175,000 | $186,500 | $180,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$203 | $924 |
| Superior Protection Discount | -$113 | $1,014 |
| Fire & Security Discount | -$101 | $1,026 |
| Hail Resistant Roof Discount | -$23 | $1,105 |
| Newly Constructed Home Discount | -$225 | $902 |
| 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 |
| Chisago County | $2,500 | $1,114 | $3,614 | $809 | $3,309 | $304 |
| Chisago County, MN | $2,500 | $1,114 | $3,614 | $809 | $3,309 | $304 |
| Isanti, MN | $200 | $834 | $1,034 | $606 | $806 | $228 |
| Rock Creek, MN | $700 | $1,081 | $1,781 | $785 | $1,485 | $295 |
| Andover, MN | $300 | $1,210 | $1,510 | $879 | $1,179 | $331 |
| Ramsey, MN | $1,500 | $883 | $2,383 | $642 | $2,142 | $241 |
| Bayport, MN | $500 | $1,229 | $1,729 | $893 | $1,393 | $336 |
| North St. Paul, MN | $2,500 | $800 | $3,300 | $581 | $3,081 | $219 |
| Lorain, WI | $300 | $567 | $867 | $412 | $712 | $155 |
| Rogers, MN | $2,000 | $1,036 | $3,036 | $753 | $2,753 | $283 |
| Cumberland, WI | $200 | $576 | $776 | $419 | $619 | $157 |
| Mille Lacs County, MN | $700 | $848 | $1,548 | $616 | $1,316 | $232 |
| Home Insurance Company Chisago County, MN | Homeowners Insurance Agency Chisago County, MN | Address | Popularity Score | Distance from Chisago County (miles) |
|---|---|---|---|---|
| Allstate | Jim Harper | 1310 Wayzata Blvd E, Wayzata, MN, 55391 | 46.9 | |
| Allstate | Dave Haben | 18300 Minnetonka Blvd Ste 104, Wayzata, MN, 55391 | 49.0 | |
| State Farm | Karl Herman | 3017 W 56th St, Minneapolis, MN, 55410-2428 | 46.4 | |
| State Farm | Tyler Antony | 1190 County Road J Ste 200, Saint Paul, MN, 55127-6816 | 29.0 | |
| State Farm | Sarah Debruin | 2216 County Road D W Ste F, Saint Paul, MN, 55112-8505 | 35.4 | |
| State Farm | Jack Germo | 7450 E Pt Douglas Rd S, Cottage Grove, MN, 55016-3015 | 46.9 | |
| State Farm | Cory Laugen | 570 Humboldt Dr Ste 202, Big Lake, MN, 55309-4845 | 42.3 | |
| State Farm | Maisee Vang | 3232 Rice St, Saint Paul, MN, 55126-3047 | 33.7 | |
| Travelers | Bob Wheaton Insurance Agency Inc | 1520 9th Ave Sw Ste F, Forest Lake, MN, 55025 | 17.0 | |
| State Farm | Ray Jalivay | 8030 Old Cdr Ave S Ste 102, Bloomington, MN, 55425-1214 | 47.9 |
| 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 | $1,640 | $840 |
| Chisago County, MN | $206,400 | $1,127 | $820 | $1,560 | $740 |
| Chisago County, MN | $206,400 | $1,127 | $780 | $1,600 | $820 |
| Isanti, MN | $147,200 | $844 | $570 | $1,190 | $620 |
| Rock Creek, MN | $170,400 | $1,094 | $800 | $1,510 | $710 |
| Andover, MN | $258,400 | $1,225 | $850 | $1,730 | $880 |
| Ramsey, MN | $221,500 | $894 | $600 | $1,270 | $670 |
| Bayport, MN | $217,100 | $1,244 | $850 | $1,730 | $880 |
| North St. Paul, MN | $183,300 | $810 | $540 | $1,150 | $610 |
| Lorain, WI | $117,000 | $574 | $410 | $820 | $410 |
| Rogers, MN | $298,700 | $1,049 | $710 | $1,490 | $780 |
| Cumberland, WI | $120,500 | $583 | $430 | $810 | $380 |
| Mille Lacs County, MN | $151,400 | $858 | $590 | $1,180 | $590 |