Columbia Heights Insurance Rates:

Columbia Heights, MN home insurance is nearly $860 to $1,167, about $71-$97/month. Our thorough guide reveals consumers can save as much as $405 by getting multiple quotes

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Columbia Heights Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
American Family Insurance
Home Insurance Rate of $330/2 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $255,000

5 Beds, 5 Baths 2210 sqft Rental Property Constructed In 1973 with Stone Flooring, Shingles Roof, Chainwall Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

35 Years old Single Male who is a Freelancer with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $950/4 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $505,000

5 Beds, 5 Baths 4310 sqft Rental Property Constructed In 1997 with Wood Flooring, Wood Shake Roof, Slab Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Smoke Alarm, Indoor Sprinklers, Fireplace, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

57 Years old Divorced Female who is Unemployed and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $960/9 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $160,000

4 Beds, 4 Baths 1750 sqft Rental Property Constructed In 1948 with Carpet over wood flooring, Membrane Roof, Slab Foundation, Stucco siding, Metal Frame Construction. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

34 Years old Married Male who is a Freelancer with household income of $25-50,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $620/4 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $300,000

4 Beds, 4 Baths 2980 sqft Seasonal Residence Constructed In 1977 with Wood Flooring, Membrane Roof, Piers Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Smoke Alarm, Copper Water Pipes, Central Air Conditioning, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

45 Years old Single Male who is Unemployed with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $140/2 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $105,000

2 Beds, 2 Bath 970 sqft Primary Residence Constructed In 1969 with Linoleum, Membrane Roof, Piers Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Smoke Alarm, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

28 Years old Married Female who has a Part Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $530/3 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $245,000

4 Beds, 4 Bath 2330 sqft Primary Residence Constructed In 1991 with Stone Flooring, Metal Roof, Piers Foundation, Wood siding, Metal Frame Construction. Home Features Include Fireplace, Deadbolt Locks, Swimming Pool, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

41 Years old Married Female who is Unemployed and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $800/5 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $320,000

5 Beds, 5 Baths 2880 sqft Vacation Property Constructed In 1961 with Ceramic Tile Flooring, Metal Roof, Chainwall Foundation, Brick siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Deadbolt Locks, Fireplace, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

43 Years old Single Male who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $580/6 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $150,000

5 Beds, 5 Baths 1690 sqft Vacation Property Constructed In 1963 with Carpet over wood flooring, Membrane Roof, Piers Foundation, Wood siding, Stucco Construction. Home Features Include Swimming Pool, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

23 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

Columbia Heights, MN Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
55421 $166,800 $1,020

Columbia Heights Rates & Quotes Analysis:

Columbia Heights Area Estimated House Insurance
43 1/2 Ave NE, Reservoir Blvd, 41st Ave NE, 42nd Ave NE, Polk Cir, Karen Ln NE, McLeod St NE, 50th Ave NE, 52nd Ave NE, 39 1/2 Ave NE$998
42 1/2 Ave NE, Buchanan Pl, 37th Ave NE, Polk Pl, Lookout Pl, Summit St, Mill St, 48th Ave NE, Molan Ter, 50th Ave NE$1,027
Maiden Ln, Orendorf Way NE, E Upland Crst, Hart Blvd, Innsbruck Pkwy W, Peters Pl, Madison Pl NE, Reservoir Blvd, Labelle St NE, 48th Ave NE$1,033
Matterhorn Dr NE, Sullivan Dr, Forest Dr, 49 1/2 Ave NE, Keyes St NE, 50 1/2 Ave NE, 42nd Ave NE, Benton Way, Upland Crst NE, 51st Ave NE$1,006
University Av Sev Rd, Hayes St NE, Gould Ave NE, 51st Ave NE, Cleveland St NE, 39th Ave NE, 38th Ave NE, Maureen Dr NE, Argonne Dr NE, Co Hwy 27$1,020

Insurance rates are influenced by a number of factors including:

  • Year Built: 1,910 Homes (22% of total) built between 1960 to 1969 in Columbia Heights are paying home insurance between $1,775-$1,790 and differs from New Brighton (+$59), St. Anthony (+$73), Fridley (+$22), Hilltop (-$156) and Brooklyn Center (-$12).
  • Bedrooms: 1,392 1 bedroom homes (16% of total homes ) in Columbia Heights are paying about $639 compared to New Brighton (+$11), St. Anthony (+$16), Arden Hills (+$30), Hilltop (-$29) and Brooklyn Center (-$4).
  • Auto Insurance Bundling: 1,016 Households (18% of all households) in Columbia Heights have 3 or more vehicles available and when it is bundled with home insurance you can save $253 and varies from Hilltop ($231), New Brighton ($261), St. Anthony ($263).
  • Senior Discounts: 2,751 seniors (more than 55 years) occupied housing units (49% of total) in Columbia Heights get discounts between $151 to $154. The comparative concessions in proximate regions such as Hilltop, New Brighton and St. Anthony are $138, $157 and $158 respectively.
  • New Homes discounts: New homes such as the 3,152 homes built between 2000 to 2009 in Columbia Heights can save $202 and similar new home insurance discounts in nearby towns and cities like Hilltop, New Brighton and St. Anthony are $184, $209 and $211 respectively.

Columbia Heights Homeowners insurance Facts

  • Columbia Heights, MN has 5,536 owner occupied houses which is 69.5% of all units whereas Hilltop, New Brighton and St. Anthony have 71.59%, 64.25% and 59.66% respectively.
  • Columbia Heights, MN homeowners yearly insurance price at $1,014 is 0.61% of the typical house value of $165,300 which is in contrast with 9.24% in Hilltop, 0.47% at New Brighton & 0.44% in St. Anthony.
  • Homeowners in Columbia Heights, MN pay 8.11% of their income ($10,000 to $14,999) in insurance whereas homeowners in Hilltop, New Brighton and St. Anthony pay 7.39%, 8.38% and 8.44% respectively.
  • Columbia Heights, MN’s insurance is 6.0% of monthly housing costs of $1,400/month, for owners with a mortgage compared to 10.0% in Hilltop, 5.04% at New Brighton & 5.0% in St. Anthony. But, for households without a mortgage, insurance is 18.7% of costs ($452 in Columbia Heights, MN) in contrast with 16.74% in Hilltop, 15.75% at New Brighton & 14.9% in St. Anthony.

Columbia Heights, MN Home Values & Insurance rates

For example, insurance for 213 Homes (3.0% of total homes ) valued between $90,000 to $99,999 in Columbia Heights, MN is about $577. Rates in nearby areas in such as St. Anthony, Fridley, Lauderdale are cheaper by $155, $64, $73 respectively while Brooklyn Center and Landfall are costlier by $37 and $4,244 respectively for similar homes.

Columbia Heights, MN Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 166 3.0% $152
$60,000 to $69,999 79 1.0% $395
$80,000 to $89,999 90 1.0% $517
$90,000 to $99,999 213 3.0% $577
$100,000 to $124,999 713 13.0% $669
$125,000 to $149,999 709 13.0% $841
$150,000 to $174,999 1,214 22.0% $993
$175,000 to $199,999 938 17.0% $1145
$200,000 to $249,999 801 14.0% $1379
$250,000 to $299,999 317 5.0% $1683
$300,000 to $399,999 159 2.0% $2139

Renters Insurance in Columbia Heights

  • Average Renters Insurance in Columbia Heights :  $153($12/month)

  • Median Gross Rent in Columbia Heights :  $878

  • Columbia Heights Renters Insurance to Median Rent Ratio:  1.37%

  • Average household size of renter-occupied unit :  2.54

Columbia Heights Renters Insurance as a Percentage of Rent

Columbia Heights Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 34 1.0% $338
$200 to $299 116 4.0% $788
$300 to $499 110 4.0% $1238
$500 to $749 575 24.0% $1913
$750 to $999 602 25.0% $2663
$1,000 to $1,499 671 28.0% $3788
$1,500 or more 264 11.0% $5438

Rent Affordability in Columbia Heights:

Approximately 47.0% (1,151) of households are spending more than 35% of their income on gross rent in Columbia Heights

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 238 9.0%
15.0 to 19.9 percent 251 10.0%
20.0 to 24.9 percent 317 13.0%
25.0 to 29.9 percent 276 11.0%
30.0 to 34.9 percent 194 7.0%
35.0 percent or more 1,151 47.0%

Columbia Heights Renters Insurance Discounts:

Columbia Heights Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Columbia Heights, MN Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 907 37.0% $15.3
2 vehicles available 666 27.0% $22.95
3 or more vehicles available 169 6.0% $30.6

Protective device discount in Columbia Heights Up to :  $22

Claims-free discount in Columbia Heights Up to :  $30