Austin Insurance Rates:

Austin, MN homeowners insurance is nearly $824 to $1,118, about $68-$93/month. Our in depth guide reveals consumers can save as much as $388 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Geico
I do like that if you have to speak to an agent about your policy, they are always very quick to pick up the phone. the wait time is low perhaps less than 2 min from my experience.
Allstate
The prices seem high compared to other options. definitely a premium service. if you are just looking for basic services, look elsewhere.
Allstate
Allstate covers all things, inside and outside of your home. my garage and shed are covered, which are separate from my home.
Safeco Insurance
I have not done an extensive search for other premiums. My insurance company has an impeccable reputation and my family has been pleased to use the same product. I plan to continue my coverage whether it is the cheapest or not.
Farm Bureau
The prices seem to be good. The first claim that was made many years ago went very efficiently. There is a local branch we can go talk to if we need to.
Farm Bureau
We have recently added my 16-year-old son on to our policy and shopped around, and most policies are within a few dollars of each other. It is comparable.
Farmer's Insurance
I haven't had to put through a claim for home insurance yet, but I also have this company for auto insurance.I had had to put quite a few claims for auto and they were very helpful and attentive, so I assume it would be the same for home insurance.
State Farm
The Shelter insurance customer service is always helpful and polite that's one of the best things about the insurance company. And will answer your questions and concerns regarding insurance policy or Fema.

Austin, MN Homeowners Insurance By Home Value

Austin, MN Home Value Total Homes % of Total Average Austin, MN Homeowners Insurance
Less than $50,000 619 9.0% $262
$50,000 to $59,999 451 6.0% $543
$60,000 to $69,999 768 11.0% $679
$70,000 to $79,999 673 10.0% $786
$80,000 to $89,999 755 11.0% $893
$90,000 to $99,999 582 8.0% $990
$100,000 to $124,999 699 10.0% $1155
$125,000 to $149,999 502 7.0% $1437
$150,000 to $174,999 466 7.0% $1708
$175,000 to $199,999 294 4.0% $1971
$200,000 to $249,999 352 5.0% $2369
$250,000 to $299,999 262 3.0% $2893
$300,000 to $399,999 215 3.0% $3680

Top Home Insurance Agents Near Austin, MN

Home Insurance Company Near Austin, MN Homeowners Insurance Agency Near Austin, MN Address
NA C O Brown Agency, Inc 329 N Main St #103, Austin, MN, 55912
NA Dave Faupel Agency 3552 West River Parkway, Rochester, MN, 55901
NA Larrabee-Essig Agency Po Box 456, Chatfield, MN, 55923
Travelers Bricelyn Agency Inc 217 N MAIN ST, BRICELYN, MN, 56014
State Farm Nancy Vanderwaerdt 505 Bridge Avenue, Albert Lea, MN, 56007-2304

Cost Of Homeowners Insurance By Street Near Austin, MN

Streets in Austin Area Homeowners Insurance Cost
3rd Ave NE, 18th St SW, 7th St NW, 15th St NE, 255th St, Thill Dr W, Elm St NE, 21st St NE, 273rd St, 205th St$994
173rd St, Johnson St NE, 215 St, 8th Ave SW, 262nd St, 9th Pl SW, California St SW, 273 St, Oakland Ave E, 184 St$995
1st Ave NE, Oakland Pl SE, 16th Ave NW, 1st St SE, 600 Ave, 195th St, 572nd Ave, 2nd St NE, Graham St, 18th Dr SW$958
16th St NE, 5th Ave NE, 8th Dr SE, 10th Ave SE, 19th Ave SW, 27th St NW, 21st St SE, 22nd St NW, 13th Ave SE, 8th Pl NW$962
221 St, 20th Ave NW, 11th Ave NW, 15th Ave SW, 9th Ave SE, Carriage Home Dr SW, 4th St NE, 595 Ave, 260 St, 17th Dr SW$984

Austin, MN Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Austin$145 to $147
Mapleview$142
Lansing$151
Brownsdale$145

Austin, MN Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Mapleview city, Minnesota $143 $190 $285
Lansing township, Mower County, Minnesota $151 $201 $302
Red Rock township, Mower County, Minnesota $152 $202 $303

Austin, MN Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Austin, MN8.1%24.5%
Mapleview11.09%34.57%
Lansing6.04%20.26%
Red Rock5.45%19.32%

Austin Renters Insurance as a Percentage of Rent

Austin Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 136 4.0% $353
$200 to $299 217 6.0% $803
$300 to $499 486 15.0% $1253
$500 to $749 970 30.0% $1928
$750 to $999 1,014 32.0% $2678
$1,000 to $1,499 244 7.0% $3803
$1,500 or more 98 3.0% $5453

Austin, MN Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$700$2,700
Yearly Austin Homeowner Insurance Premium Example $1,200$800
Out of Pocket Expense During Claim$700$2,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $10,300$9,100
Net Savings to Austin Home Owner from High Deductible Plan $1,200

Austin, MN Home Insurance Costs With Home Replacement Value Scenarios

Scenario Austin, MN Home Replacement Value MORE than Home Value Austin, MN Home Replacement Value LESS than Home Value
Replacement Value $100,000 $68,000
Insurance Premium based on Replacement Value $775 $525
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $19,000 Risk Exposure from Under Insuring Coverage is $13,000
Premium Impact Insurance cheaper by $100/year Insurance costlier by $150/year

Example Austin Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceNationwide InsuranceFarmers Insurance
Monthly Premium 10378174
Year Built 195219671942
Home Details 3 Beds, 2 Baths2 Beds, 1 Baths5 Beds, 2 Baths
Coverage Amount $150000-$175000$125000-$150000$300000-$350000
Deductible $500- $1000 Deductible$2500-$5000 Deductible$1000-$2500 Deductible

Sample Home Insurance Rates for Austin, MN from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1953 105,000 Wood Shake Roof 1,870 3 $500- $1000 Deductible 770 12 Vinyl siding No
1961 80,000 Metal Roof 1,140 2 $500 Deductible 230 5 Fiber-Cement Siding No
1953 165,000 Wood Shake Roof 2,320 4 $1000-$2500 Deductible 1040 9 Brick siding yes
1959 85,000 Composition Roof 1,510 3 $1000-$2500 Deductible 420 9 Brick siding No
1965 220,000 Tile Roof 2,890 5 > $10,000 Deductible 510 6 Brick siding No
1945 245,000 Metal Roof 4,050 5 $500- $1000 Deductible 1460 9 Fiber-Cement Siding yes
1958 245,000 Metal Roof 3,780 5 > $10,000 Deductible 1080 12 Vinyl siding No
1945 125,000 Tile Roof 1,650 2 $2500-$5000 Deductible 330 4 Wood siding yes
1951 110,000 Asphalt Shingles Roof 1,460 2 $1000-$2500 Deductible 230 3 Wood siding yes
1942 115,000 Asphalt Shingles Roof 1,630 2 $500 Deductible 830 10 Fiber-Cement Siding No
1960 185,000 Wood Shake Roof 3,140 5 $500- $1000 Deductible 270 2 Vinyl siding No
1957 100,000 Metal Roof 1,470 3 $2500-$5000 Deductible 670 12 Fiber-Cement Siding No
1955 255,000 Asphalt Shingles Roof 3,830 5 $5000 to $10,000 Deductible 1040 10 Brick siding No
1959 95,000 Composition Roof 1,340 3 $500- $1000 Deductible 290 5 Vinyl siding No
1960 155,000 Slate Shingles Roof 2,300 3 $1000-$2500 Deductible 670 8 Vinyl siding No
1943 85,000 Membrane Roof 1,340 2 $2500-$5000 Deductible 50 1 Stucco siding yes
1957 195,000 Composition Roof 2,610 4 $500- $1000 Deductible 1460 10 Fiber-Cement Siding yes
1958 210,000 Tile Roof 3,240 5 $500- $1000 Deductible 220 2 Wood siding yes
1963 170,000 Tile Roof 2,160 4 $1000-$2500 Deductible 1060 12 Vinyl siding No
1968 110,000 Composition Roof 1,780 3 $500 Deductible 530 6 Vinyl siding yes
1960 185,000 Membrane Roof 3,330 5 $2500-$5000 Deductible 490 5 Vinyl siding No
1952 115,000 Tile Roof 1,580 2 $2500-$5000 Deductible 120 2 Wood siding yes
1952 105,000 Wood Shake Roof 1,720 2 $500 Deductible 250 5 Fiber-Cement Siding yes
1941 120,000 Metal Roof 1,730 2 $500- $1000 Deductible 80 1 Fiber-Cement Siding yes
1942 100,000 Shingles Roof 1,320 2 $500- $1000 Deductible 340 6 Brick siding No
1964 80,000 Shingles Roof 1,050 2 $2500-$5000 Deductible 130 3 Stucco siding No
1969 145,000 Tile Roof 2,190 5 $2500-$5000 Deductible 80 1 Wood siding yes
1961 375,000 Asphalt Shingles Roof 4,740 5 $1000-$2500 Deductible 1010 6 Wood siding yes
1967 85,000 Wood Shake Roof 1,430 2 $500 Deductible 280 7 Wood siding yes
1943 175,000 Asphalt Shingles Roof 3,230 4 $500 Deductible 860 9 Vinyl siding No