Cottage Grove Insurance Rates:

Cottage Grove, MN homeowners insurance is roughly $885 to $1,202, about $73-$100/month. Our complete guide reveals consumers can save upto $417 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Grange Insurance
What i don't like is that they do not cover when you submit a claim. i tried to get my roof covered and was denied and the amount offered to fix on the insurance companies part was below the deductible so they were not help.
State Farm
The price you are quoted for a policy can change several weeks after you have applied for, and paid for, coverage, as there is a subsequent underwriting activity that happens.
Farmer's Insurance
I like that because of our relationship, our agent does trouble himself on our account, and will personally respond when we have issues or questions.
Metlife
Any rep I have ever dealt with has been professional, helpful and knows their stuff! I feel confident that the rep is going to be us based and not sitting in India with a fake American name!
Country Financial
Overall, I dislike the agents that come and estimate the cost of repairs. A lot of the agents are not from the area and do not really know what companies will charge to have repairs done.
First National Insurance
I like that I have coverage. The premium bill goes to the mortgage holder, and they pay directly out of my escrow account. So payments are automatic.
State Farm
When I wanted information for filing a claim for damage to my home they gave me the best advice they could. I wound up not filing a claim, but they were still on my side.

Cottage Grove, MN Homeowners Insurance By Home Value

Cottage Grove, MN Home Value Total Homes % of Total Average Cottage Grove, MN Homeowners Insurance
Less than $50,000 323 3.0% $114
$100,000 to $124,999 254 2.0% $521
$125,000 to $149,999 582 5.0% $657
$150,000 to $174,999 1,288 13.0% $771
$175,000 to $199,999 1,549 15.0% $896
$200,000 to $249,999 2,889 29.0% $1074
$250,000 to $299,999 1,474 15.0% $1314
$300,000 to $399,999 1,223 12.0% $1679

Top Home Insurance Agents Near Cottage Grove, MN

Home Insurance Company Near Cottage Grove, MN Homeowners Insurance Agency Near Cottage Grove, MN Address
State Farm Cary Charlson 6993 35th St N Ste 1, Oakdale, MN, 55128-3145
State Farm Dan Cheung 4020 Minnehaha Avenue, Minneapolis, MN, 55406-4529
State Farm Erik Westrum 14033 Commerce Ave NE Ste 102, Prior Lake, MN, 55372-1438
Travelers Garry Insurancenter 2555 E 7Th Ave North Saint Paul, North St. Paul, MN, 55109
Allstate Todd Vincelli 1585 Thomas Center Dr Ste 103, Eagan, MN, 55122

Cost Of Homeowners Insurance By Street Near Cottage Grove, MN

Streets in Cottage Grove Area Homeowners Insurance Cost
8th Street Ct S, Norell Rd S, Jeffery Ave S, Timber Ridge Ct S, E Point Douglas Rd, Swede Hill Dr S, Afton Hills Dr S, 85th St S, Hillside Trl S, Jonathan Ave S$1,159
Morgan Ave S, Indigo Ct S, 4th St, 31st St S, Layton Ave S, Irvin Ave Ct S, Jenner Ln S, Grenadier Ave S, Upper 89th Street Cir S, Inskip Ave S$1,022
Heath Ave S, Omar Ave S, E Point Douglas Rd S, Ivystone Ave S, E Point Douglas Rd S, Hinton Ave S, Valley Creek Trl, 53rd St S, Upper 74th St S, 110th St Ln S$1,158
Innsdale Ave S, Greshan Ln, Hydram Ave S, 92nd St S, 40th St S, Inwood Ave S, Timber Ridge Ln S, Afton Blvd S, Glenbrook Ave S, Indian Trl S$1,171
Innsdale Ave S, 44th St S, Ivan Ave S, Homestead Ave S, E Point Douglas Ln S, Janero Ct S, Maycrest Ave Ct S, Jeffery Ave S, 74th Street Cir, Quant Ave S$1,166

Cottage Grove, MN Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Cottage Grove$156 to $158
Grey Cloud Island$162
St. Paul Park$151
Denmark$175

Cottage Grove, 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
Grey Cloud Island township, Washington County, Minnesota $135 $180 $270
St. Paul Park city, Minnesota $127 $169 $253
Denmark township, Washington County, Minnesota $146 $195 $292

Cottage Grove, 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
Cottage Grove, MN5.0%18.7%
Grey Cloud Island4.89%15.01%
St. Paul Park5.82%20.47%
Denmark3.9%16.8%

Cottage Grove Renters Insurance as a Percentage of Rent

Cottage Grove Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 44 3.0% $1227
$500 to $749 86 6.0% $1902
$750 to $999 336 26.0% $2652
$1,000 to $1,499 570 45.0% $3777
$1,500 or more 205 16.0% $5427

Cottage Grove, MN Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,200$3,200
Yearly Cottage Grove Homeowner Insurance Premium Example $3,300$2,800
Out of Pocket Expense During Claim$1,200$3,200
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $24,300$22,800
Net Savings to Cottage Grove Home Owner from High Deductible Plan $1,500

Cottage Grove, MN Home Insurance Costs With Home Replacement Value Scenarios

Scenario Cottage Grove, MN Home Replacement Value MORE than Home Value Cottage Grove, MN Home Replacement Value LESS than Home Value
Replacement Value $220,000 $137,000
Insurance Premium based on Replacement Value $1,825 $1,125
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $51,000 Risk Exposure from Under Insuring Coverage is $32,000
Premium Impact Insurance cheaper by $275/year Insurance costlier by $425/year

Example Cottage Grove Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceAmica Mutual Insurance CompanyLiberty Mutual
Monthly Premium 120158168
Year Built 199020131979
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 2 Baths
Coverage Amount $175000-$200000$300000-$350000$200000-$250000
Deductible $1000-$2500 Deductible$1000-$2500 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2012 325,000 Shingles Roof 2,390 4 $500 Deductible 1550 8 Vinyl siding No
1998 285,000 Tile Roof 2,810 4 $5000 to $10,000 Deductible 1080 10 Vinyl siding No
2000 415,000 Membrane Roof 2,990 4 $5000 to $10,000 Deductible 1910 8 Stucco siding yes
2013 260,000 Shingles Roof 2,030 5 $2500-$5000 Deductible 1160 10 Stucco siding No
2006 170,000 Asphalt Shingles Roof 1,730 5 $5000 to $10,000 Deductible 130 2 Stone Siding yes
1994 460,000 Slate Shingles Roof 4,620 5 $1000-$2500 Deductible 800 4 Stone Siding No
1970 505,000 Shingles Roof 4,330 5 $500- $1000 Deductible 1550 4 Fiber-Cement Siding No
1972 260,000 Asphalt Shingles Roof 2,130 3 $2500-$5000 Deductible 1140 9 Brick siding No
1978 490,000 Metal Roof 3,830 5 $500 Deductible 1720 4 Brick siding No
1978 145,000 Wood Shake Roof 1,350 3 $1000-$2500 Deductible 280 3 Wood siding No
1991 175,000 Composition Roof 1,580 5 $1000-$2500 Deductible 270 3 Stucco siding No
1977 435,000 Shingles Roof 4,500 5 $500 Deductible 1760 5 Vinyl siding No
1977 330,000 Shingles Roof 2,490 4 $5000 to $10,000 Deductible 200 2 Brick siding yes
1989 265,000 Slate Shingles Roof 2,330 4 $5000 to $10,000 Deductible 650 6 Brick siding yes
1988 170,000 Metal Roof 1,380 3 $5000 to $10,000 Deductible 420 6 Fiber-Cement Siding yes
1975 160,000 Asphalt Shingles Roof 1,500 3 $5000 to $10,000 Deductible 250 3 Wood siding No
2012 395,000 Tile Roof 2,830 4 $5000 to $10,000 Deductible 1020 5 Wood siding No
2013 170,000 Composition Roof 1,230 3 $2500-$5000 Deductible 1580 12 Vinyl siding No
2002 255,000 Slate Shingles Roof 1,860 3 $500- $1000 Deductible 1750 12 Stucco siding yes
1980 340,000 Wood Shake Roof 3,090 4 $5000 to $10,000 Deductible 1230 10 Stucco siding No