Crystal Insurance Rates:

Crystal, MN homeowners insurance is roughly $866 to $1,173, about $72-$97/month. Our detailed guide indicates shoppers can save upto $407 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Latest Home Insurance Reviews

State Farm
My specific agent is very easy to get in contact with and always answers all of the questions that i may think of.
Nationwide
The office smells a bit off. not sure what it is if its the break room or what but i always try to do my business over the phone with my local branch instead of going in. maybe its just me but it smells funny enough for me not to want to go into the local branch.
American Family
I don't like the high deductibles that are attached to my policy. although i have not had to use my insurance, i worry that in the event that i do need to, the deductible will be extremely high.
Farm Bureau
The company will get involved with any issues I have with just a phone call and has extended their help and advice on several occasions.
Progressive
they offer a discount for bundling with auto insurance and I can also add replacement insurance for camera equipment to the policy
Fairmont Farmers Mutual
I like the safety tips they provide. I also like being able to pay them and search for clearer policy details.
Progressive
To me, the premium is a little high as we know we could have gotten $100 cheaper with a different company but this company changes our price each year and it has gone as low as $710 which I like. We've also been told they are much easier to file a claim with than other companies which makes it worth it because it is our home
Allstate
Service seems to be broad, would be better if certain employees get used to customers

Crystal, MN Homeowners Insurance By Home Value

Crystal, MN Home Value Total Homes % of Total Average Crystal, MN Homeowners Insurance
Less than $50,000 153 2.0% $142
$90,000 to $99,999 66 1.0% $550
$100,000 to $124,999 508 7.0% $631
$125,000 to $149,999 850 13.0% $794
$150,000 to $174,999 1,606 24.0% $937
$175,000 to $199,999 1,324 20.0% $1080
$200,000 to $249,999 1,401 21.0% $1304
$250,000 to $299,999 411 6.0% $1589
$300,000 to $399,999 109 1.0% $2017

Top Home Insurance Agents Near Crystal, MN

Home Insurance Company Near Crystal, MN Homeowners Insurance Agency Near Crystal, MN Address
NA The Service Agency (Flock Hies & Assoc.) 369 W Main St, Ellsworth, WI, 54011
State Farm Brian Busch 2000 Old Co Road 34 At Hwys 5 and 13, Burnsville, MN, 55337-6661
Allstate Cokato Insurance C 520 Cokato St W, Cokato, MN, 55321
State Farm Jen Johnston 7455 Currell Blvd Ste 106, Saint Paul, MN, 55125-2520
State Farm Paul Eggen 14450 S Robert Trl Ste 204, Rosemount, MN, 55068-4952

Cost Of Homeowners Insurance By Street Near Crystal, MN

Streets in Crystal Area Homeowners Insurance Cost
Idaho Ave, Byron Ave N, Idaho Cir N, Kentucky Cir N, Plymouth Ave, Northwood Cir, Kelly Dr, Vale Crest Rd, Jordan Ave N, Archer Ave$1,061
38th Ave, Corvallis Ave N, Fairview Ave, Willow Bend, Winnetka Heights Dr, Lombardy Ln, Faribault St, Hampshire Ln N, Duluth St, Zane Pl$1,064
Markwood Dr N, Winfield Ave, Olympia St, Lindsay St, Winsdale St N, Hillsboro Pl, Valley Pl, Lombardy Ln, Olson Highway Svc Rd, Hopewood Ln$1,060
Memory Ln, Hill Pl N, Cloverdale Ave, 36 1/2 Cir N, Saint Croix Ave N, 33rd Pl N, Maryland Ave, Wynnwood Rd, 34th Pl N, 51st Pl$1,024
Lamplighter Ln, 38 1/2 Ave N, 46th Pl N, Madison Ave W, Northwood Pkwy, Kenneth Way, 59th Pl N, Knoll St, Green Valley Rd, W Constance Dr$1,069

Crystal, MN Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Crystal$152 to $155
New Hope$154
Robbinsdale$153
Brooklyn Center$151

Crystal, 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
New Hope city, Minnesota $129 $172 $258
Robbinsdale city, Minnesota $128 $170 $255
Brooklyn Center city, Minnesota $126 $167 $251

Crystal, 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
Crystal, MN5.5%18.2%
New Hope5.24%17.05%
Robbinsdale5.4%18.33%
Brooklyn Center5.89%17.63%

Crystal Renters Insurance as a Percentage of Rent

Crystal Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 42 1.0% $786
$300 to $499 35 1.0% $1236
$500 to $749 505 21.0% $1911
$750 to $999 1,034 44.0% $2661
$1,000 to $1,499 493 21.0% $3786
$1,500 or more 199 8.0% $5436

Crystal, MN Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$800$1,800
Yearly Crystal Homeowner Insurance Premium Example $800$600
Out of Pocket Expense During Claim$800$1,800
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $7,200$6,600
Net Savings to Crystal Home Owner from High Deductible Plan $600

Crystal, MN Home Insurance Costs With Home Replacement Value Scenarios

Scenario Crystal, MN Home Replacement Value MORE than Home Value Crystal, MN Home Replacement Value LESS than Home Value
Replacement Value $316,500 $180,500
Insurance Premium based on Replacement Value $2,250 $1,275
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $70,500 Risk Exposure from Under Insuring Coverage is $65,500
Premium Impact Insurance cheaper by $475/year Insurance costlier by $500/year

Example Crystal Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyAllstateNationwide Insurance
Monthly Premium 127139192
Year Built 196119791987
Home Details 3 Beds, 2 Baths5 Beds, 4 Baths4 Beds, 3 Baths
Coverage Amount $150000-$175000$175000-$200000$300000-$350000
Deductible $500 Deductible$500 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1979 240,000 Wood Shake Roof 2,680 5 > $10,000 Deductible 610 8 Vinyl siding yes
1988 255,000 Tile Roof 2,650 4 > $10,000 Deductible 480 5 Fiber-Cement Siding No
1981 140,000 Composition Roof 1,580 2 $500 Deductible 650 7 Stucco siding yes
1967 105,000 Metal Roof 1,250 2 $500- $1000 Deductible 230 4 Fiber-Cement Siding yes
1971 400,000 Composition Roof 3,390 4 $5000 to $10,000 Deductible 1160 5 Stucco siding yes
1978 130,000 Metal Roof 1,520 2 $500 Deductible 670 8 Stone Siding yes
1984 85,000 Shingles Roof 910 2 $500- $1000 Deductible 580 9 Wood siding yes
1983 165,000 Shingles Roof 1,710 2 $5000 to $10,000 Deductible 1240 12 Fiber-Cement Siding No
1985 225,000 Membrane Roof 2,460 5 $500- $1000 Deductible 950 8 Stone Siding No
1965 110,000 Slate Shingles Roof 1,230 2 $1000-$2500 Deductible 590 9 Brick siding No
1981 215,000 Metal Roof 1,900 4 > $10,000 Deductible 1060 12 Fiber-Cement Siding No
1980 180,000 Shingles Roof 1,740 4 $500 Deductible 660 6 Stucco siding yes
1964 145,000 Asphalt Shingles Roof 1,610 5 $2500-$5000 Deductible 530 8 Brick siding No
1962 155,000 Asphalt Shingles Roof 1,590 3 $2500-$5000 Deductible 260 4 Stucco siding yes
1980 175,000 Asphalt Shingles Roof 1,840 3 $2500-$5000 Deductible 550 5 Wood siding yes
1961 120,000 Composition Roof 1,410 3 $500 Deductible 680 8 Stone Siding yes
1986 265,000 Shingles Roof 2,680 4 $5000 to $10,000 Deductible 790 6 Brick siding No
1972 240,000 Wood Shake Roof 2,370 3 > $10,000 Deductible 230 3 Vinyl siding No
1969 385,000 Metal Roof 3,160 4 $1000-$2500 Deductible 550 2 Stone Siding yes
1977 510,000 Membrane Roof 4,920 5 $5000 to $10,000 Deductible 2990 10 Wood siding yes
1983 195,000 Composition Roof 1,650 3 $500 Deductible 1100 12 Brick siding No