Vadnais Heights Insurance Rates:

Vadnais Heights, MN home insurance is about $884 to $1,207, about $73-$100/month. Our thorough research shows customers can save upto $418 by comparing multiple quotes

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Vadnais Heights Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Farmers Insurance
Home Insurance Rate of $1120/12 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $260,000

4 Beds, 4 Baths 2640 sqft Rental Property Constructed In 1981 with Stone Flooring, Asphalt Shingles Roof, Chainwall Foundation, Brick siding, Brick Frame. Home Features Include Swimming Pool, Central Air Conditioning, Smoke Alarm, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

67 Years old Single Male who has a Full Time Job with household income of $50-$75,000 and has 2 Pets and is a Non-Smoker

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

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $530/3 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $365,000

4 Beds, 4 Baths 3050 sqft Seasonal Residence Constructed In 2009 with Linoleum, Asphalt Shingles Roof, Chainwall Foundation, Brick siding, Wood Frame. Home Features Include Deadbolt Locks, Smoke Alarm, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

49 Years old Divorced Female who is Unemployed and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $510/2 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $380,000

5 Beds, 5 Baths 3050 sqft Seasonal Residence Constructed In 2001 with Linoleum, Composition Roof, Chainwall Foundation, Brick siding, Metal Frame Construction. Home Features Include Smoke Alarm, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

38 Years old Married Male who is a Freelancer with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $820/5 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $185,000

5 Beds, 5 Baths 1500 sqft Vacation Property Constructed In 1982 with Carpet Flooring, Slate Shingles Roof, Crawl Space Foundation, Wood siding, Brick Frame. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

36 Years old Divorced Male who has a Part Time Job with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $990/5 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $425,000

5 Beds, 5 Baths 3070 sqft Vacation Property Constructed In 2008 with Carpet Flooring, Tile Roof, Chainwall Foundation, Stone Siding, Metal Frame Construction. Home Features Include Fireplace, Indoor Sprinklers, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

47 Years old Single Female who has a Full Time Job with household income of $50-$75,000 and has 3 Pets and is a Non-Smoker

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

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1370/6 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $510,000

5 Beds, 5 Baths 3610 sqft Rental Property Constructed In 1989 with Stone Flooring, Metal Roof, Crawl Space Foundation, Stucco siding, Brick Frame. Home Features Include Fireplace, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

39 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $1180/7 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $195,000

3 Beds, 3 Baths 1500 sqft Vacation Property Constructed In 2006 with Stone Flooring, Composition Roof, Piers Foundation, Stone Siding, Brick Frame. Home Features Include Indoor Sprinklers, Smoke Alarm, Central Air Conditioning, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

28 Years old Married Female who has a Full Time Job 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

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1340/8 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $275,000

3 Beds, 3 Bath 2020 sqft Vacation Property Constructed In 1993 with Carpet over wood flooring, Metal Roof, Chainwall Foundation, Wood siding, Brick Frame. Home Features Include Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

50 Years old Single Male who is a Freelancer with household income of $100-$150,000 and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $430/4 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $225,000

3 Beds, 3 Baths 1830 sqft Rental Property Constructed In 2001 with Linoleum, Asphalt Shingles Roof, Piers Foundation, Stone Siding, Stucco Construction. Home Features Include Smoke Alarm, Copper Water Pipes, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

66 Years old Single Male who is a Freelancer with household income of $75-$100,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $310/3 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $290,000

5 Beds, 5 Bath 2750 sqft Rental Property Constructed In 1991 with Wood Flooring, Tile Roof, Chainwall Foundation, Stone Siding, Wood Frame. Home Features Include Central Air Conditioning, Smoke Alarm, Deadbolt Locks, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

69 Years old Divorced Male who is a Freelancer with household income of $50-$75,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Vadnais Heights, MN Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
55127 $273,500 $1,080

Vadnais Heights Rates & Quotes Analysis:

Vadnais Heights Area Estimated House Insurance
Cedar Ave, Samuel Ct, Searle Ct, Oak Ln, Bramblewood Ave, Thornhill Ln, Hillside Rd, Goose Lake Rd, Aspen Ct, Ridgewood Ave$1,030
Belmar Dr, Foothill Trl, Mayfair Rd, Co Rd 148, Pondview Ln, Glen Oaks Ct, Midland Ct, Parkwood Ln, Jerry St, Bear Ct$1,028
Buerkle Rd, Wildflower Ct, Glen Oaks Dr, W Vadnais Blvd, Golfview Ct, Alrick Pl, Buerkle Cir, E Co Rd G, Ebba St, Mosby Rd$1,039
Homewood Ave, Rolling View Dr, Pond View Dr, Springhill Rd, Red Oaks Dr, Marlin Ave, Nathaniel Ct, Oak Leaf Dr, Hillary Farm Ln, Labore Rd$1,048
Commerce Blvd, Bankers Dr, Marble St, Little Fox Ln, Montmorency St, Vadnais Lake Dr, Brunet Ct, Co Hwy 147, N Oak Dr, S Oak Dr$1,040

Insurance rates are influenced by a number of factors including:

  • Year Built: 887 Homes (16% of total) built between 1970 to 1979 in Vadnais Heights are paying home insurance between $1,696-$1,712 compared to Gem Lake (+$62), North Oaks (+$331), Shoreview (+$30), Little Canada (-$14) and White Bear Lake (-$17).
  • Bedrooms: 1,593 3 bedrooms homes (29% of total homes ) in Vadnais Heights are paying about $869. Areas near to Vadnais Heights such as Gem Lake, North Oaks, Shoreview are costlier by $31, $169, $15 respectively whereas Little Canada and White Bear Lake are more economical by $7, $9 respectively for similar homes.
  • Auto Insurance Bundling: 738 Households (17% of all households) in Vadnais Heights have 3 or more vehicles available and when it is bundled with home insurance you can save $261. Discounts for similar bundling in close by locations such as Gem Lake, Little Canada, White Bear Lake come to $271, $259, $259 respectively.
  • Senior Discounts: 1,842 seniors (more than 55 years) occupied housing units (43% of total) in Vadnais Heights get discounts between $155 to $157. The comparative concessions in proximate regions such as Gem Lake, Little Canada and North Oaks are $162, $155 and $187 respectively.
  • New Homes discounts: New homes such as the 2,088 homes built between 2000 to 2009 in Vadnais Heights can save $209 and similar new home insurance discounts in nearby towns and cities like Gem Lake, Little Canada and White Bear Lake are $216, $207 and $207 respectively.

Vadnais Heights Homeowners insurance Facts

  • Vadnais Heights, MN has 4,252 owner occupied houses which is 79.9% of all units whereas Gem Lake, Little Canada and White Bear Lake have 88.24%, 57.71% and 69.23% respectively.
  • Vadnais Heights, MN homeowners yearly insurance price at $1,046 is 0.47% of the typical house value of $221,400 which is in contrast with 0.38% in Gem Lake, 0.5% at Little Canada & 0.5% in White Bear Lake.
  • Homeowners in Vadnais Heights, MN pay 1.55% of their income ($60,000 to $74,999) in insurance whereas homeowners in Gem Lake, Little Canada and White Bear Lake pay 1.61%, 1.54% and 1.53% respectively.
  • Vadnais Heights, MN’s insurance is 5.7% of monthly housing costs of $1,535/month, for owners with a mortgage compared to 4.25% in Gem Lake, 5.43% at Little Canada & 5.65% in White Bear Lake. But, for households without a mortgage, insurance is 17.5% of costs ($498 in Vadnais Heights, MN) in contrast with 14.2% in Gem Lake, 16.89% at Little Canada & 19.02% in White Bear Lake.

Vadnais Heights, MN Home Values & Insurance rates

For example, insurance for 252 Homes (6.0% of total homes ) valued between $125,000 to $149,999 in Vadnais Heights, MN is about $648. Rates in nearby areas in such as Shoreview, White Bear, Arden Hills are cheaper by $74, $93, $120 respectively while Little Canada and White Bear Lake are costlier by $26 and $35 respectively for similar homes.

Vadnais Heights, MN Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 291 7.0% $115
$80,000 to $89,999 54 1.0% $397
$90,000 to $99,999 46 1.0% $439
$100,000 to $124,999 350 9.0% $512
$125,000 to $149,999 252 6.0% $648
$150,000 to $174,999 304 8.0% $763
$175,000 to $199,999 397 10.0% $878
$200,000 to $249,999 864 23.0% $1056
$250,000 to $299,999 468 12.0% $1297
$300,000 to $399,999 574 15.0% $1652

Renters Insurance in Vadnais Heights

  • Average Renters Insurance in Vadnais Heights :  $108($9/month)

  • Median Gross Rent in Vadnais Heights :  $879

  • Vadnais Heights Renters Insurance to Median Rent Ratio:  1.02%

  • Renter occupied housing units in Vadnais Heights :  1,069

Vadnais Heights Renters Insurance as a Percentage of Rent

Vadnais Heights Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 17 1.0% $777
$300 to $499 59 5.0% $1227
$500 to $749 128 12.0% $1902
$750 to $999 512 51.0% $2652
$1,000 to $1,499 259 26.0% $3777
$1,500 or more 15 1.0% $5427

Rent Affordability in Vadnais Heights:

Approximately 44.0% (478) of households are spending more than 35% of their income on gross rent in Vadnais Heights

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 96 8.0%
15.0 to 19.9 percent 129 12.0%
20.0 to 24.9 percent 155 14.0%
25.0 to 29.9 percent 118 11.0%
30.0 to 34.9 percent 93 8.0%
35.0 percent or more 478 44.0%

Vadnais Heights Renters Insurance Discounts:

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

Number of Vehicles in Vadnais Heights, MN Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 469 43.0% $10.8
2 vehicles available 323 30.0% $16.2
3 or more vehicles available 163 15.0% $21.6

Protective device discount in Vadnais Heights Up to :  $16

Claims-free discount in Vadnais Heights Up to :  $21