Forest Lake Insurance Rates:

Forest Lake, MN homeowners insurance is roughly $897 to $1,225, about $74-$102/month. Our exhaustive research reveals consumers can save as much as $424 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Travelers
I wish they would realize that i don't need any more policies! no upselling on the phone, but i get mailers from them sometimes and also see advertisements at work.
Ameriprise Financial
I like how they can take of all my needs and bring my vehicle back from the dead
Farm Bureau
I really like the small home town feel that farm bureau brings to insurance. it is a nice change to what insurance has become.
Travelers
The people are always rude and almost like a robot. Everything there is a scheme to keep you from getting a claim
Metlife
MetLife is an excellent insurance company because it makes sure critical information about policy coverage, premium rates, deductibles, and other important details are clearly explained to the policyholder. If the policyholder has any questions, they encourage the policyholder to ask questions and be educated about their services.
State Farm
I like that they do not discriminate against dog breeds (specifically pit bulls). I also like how easy it is to speak to a real person I call. They are always kind and do their best to answer any question I have.
Farm Bureau
I think the company is a very fair company. I would recommend them to anyone and the Customer service is top notch and I couldn't be happier with the service and support from them.

Forest Lake, MN Homeowners Insurance By Home Value

Forest Lake, MN Home Value Total Homes % of Total Average Forest Lake, MN Homeowners Insurance
Less than $50,000 202 4.0% $106
$100,000 to $124,999 305 6.0% $466
$125,000 to $149,999 286 6.0% $583
$150,000 to $174,999 552 12.0% $689
$175,000 to $199,999 347 7.0% $795
$200,000 to $249,999 939 20.0% $965
$250,000 to $299,999 777 17.0% $1177
$300,000 to $399,999 1,082 23.0% $1496

Top Home Insurance Agents Near Forest Lake, MN

Home Insurance Company Near Forest Lake, MN Homeowners Insurance Agency Near Forest Lake, MN Address
NA Bremer Insurance Agency 104 Maple St W, Amery, WI, 54001
Travelers Carver-Hennepin Insurance Agency Llc 117 EAST SECOND ST, CHASKA, MN, 55318
Travelers Insurance Brokers Of Mn 120 COUNTY RD NE STE 2, ISANTI, MN, 55040
State Farm Jerry Stanke 13100 Wayzata Blvd Ste 110, Minnetonka, MN, 55305-1803
Farmers Tyler Sturos 872 Highway 55 Ste 104, Medina, MN, 55340

Cost Of Homeowners Insurance By Street Near Forest Lake, MN

Streets in Forest Lake Area Homeowners Insurance Cost
200th St N, 240th St, 213th St N, NW 2nd Ave, 210th Lane Cir N, 208th Street Ct N, 18th Ave SE, 216th St, Itasca Ave Cir N, Granada Ave Cove$1,072
Everton Trail Ct, 14th Ave SE, 190th St N, Shetland Dr N, 3rd St SE, Georgia Avenue Pl N, Explorer Ct N, Julep Trl N, 221st St N, Keewahtin Ave N$1,059
202nd St N, Lilac Ln, Enfield Way N, SW 1st Ave, Flay Ave N, Mustang Ln, 216th St N, Hilo Ave, 8th Ave SE, Fondant Ave N$1,059
240th St N, Jason Ave Ct N, Healy Ave Cir N, Imperial Ave N, Juniper Ct N, 9th Ave SE, 206th Dr N, Hoekstra Ave N, Holstad Trl, Saddlebred Way$1,070
230th St N, SW 2nd Ave, NW 1st Ave, 12th St SE, NW 3rd St, Glenbrook Ave Ct N, Co Hwy 2, Iverson Ave N, Lyons St, Hawthorne Ave N$1,101

Forest Lake, MN Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Forest Lake$158 to $160
Hugo$157
Wyoming$156
Scandia$165

Forest Lake, 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
Hugo city, Minnesota $131 $175 $262
Wyoming city, Minnesota $131 $174 $261
Scandia city, Minnesota $138 $184 $276

Forest Lake, 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
Forest Lake, MN5.0%17.5%
Hugo5.11%17.97%
Wyoming5.14%17.61%
Scandia4.67%19.49%

Forest Lake Renters Insurance as a Percentage of Rent

Forest Lake Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 66 3.0% $321
$200 to $299 127 7.0% $771
$300 to $499 94 5.0% $1221
$500 to $749 293 17.0% $1896
$750 to $999 537 31.0% $2646
$1,000 to $1,499 493 28.0% $3771
$1,500 or more 97 5.0% $5421

Forest Lake, MN Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,500$3,500
Yearly Forest Lake Homeowner Insurance Premium Example $4,300$3,900
Out of Pocket Expense During Claim$1,500$3,500
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $31,600$30,800
Net Savings to Forest Lake Home Owner from High Deductible Plan $800

Forest Lake, MN Home Insurance Costs With Home Replacement Value Scenarios

Scenario Forest Lake, MN Home Replacement Value MORE than Home Value Forest Lake, MN Home Replacement Value LESS than Home Value
Replacement Value $219,500 $169,500
Insurance Premium based on Replacement Value $1,525 $1,175
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $23,000 Risk Exposure from Under Insuring Coverage is $27,000
Premium Impact Insurance cheaper by $200/year Insurance costlier by $150/year

Example Forest Lake Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualTravelersFarmers Insurance
Monthly Premium 233224178
Year Built 201219911984
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths5 Beds, 4 Baths
Coverage Amount $350000-$400000$400000-$500000$300000-$350000
Deductible $1000-$2500 Deductible$5000 to $10,000 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2013 300,000 Composition Roof 1,910 3 $500- $1000 Deductible 1810 10 Brick siding No
2013 290,000 Slate Shingles Roof 2,070 4 $500- $1000 Deductible 940 6 Fiber-Cement Siding yes
1983 255,000 Slate Shingles Roof 2,350 3 $2500-$5000 Deductible 300 3 Stucco siding yes
2012 300,000 Slate Shingles Roof 2,620 4 $1000-$2500 Deductible 1320 7 Stone Siding No
1998 400,000 Wood Shake Roof 2,690 4 > $10,000 Deductible 780 5 Stone Siding yes
2002 650,000 Composition Roof 4,260 5 $2500-$5000 Deductible 1560 4 Vinyl siding No
1984 230,000 Composition Roof 1,850 3 $500 Deductible 710 5 Fiber-Cement Siding No
2014 230,000 Metal Roof 1,830 5 $500- $1000 Deductible 980 10 Fiber-Cement Siding yes
2014 415,000 Wood Shake Roof 3,160 4 $2500-$5000 Deductible 1850 10 Stucco siding No
2001 225,000 Asphalt Shingles Roof 1,950 3 $500 Deductible 990 6 Stucco siding yes
1990 205,000 Tile Roof 1,770 3 $1000-$2500 Deductible 440 4 Vinyl siding yes
1986 335,000 Composition Roof 2,120 3 $500- $1000 Deductible 690 3 Wood siding No
1999 165,000 Metal Roof 1,210 3 $2500-$5000 Deductible 550 8 Fiber-Cement Siding No
1987 265,000 Slate Shingles Roof 2,170 3 $500- $1000 Deductible 770 7 Fiber-Cement Siding yes
2001 265,000 Shingles Roof 2,130 5 $5000 to $10,000 Deductible 880 8 Brick siding yes
1984 500,000 Metal Roof 3,390 5 > $10,000 Deductible 1960 10 Stucco siding yes
1996 310,000 Composition Roof 2,820 5 > $10,000 Deductible 470 4 Stone Siding No
2010 330,000 Slate Shingles Roof 2,270 3 > $10,000 Deductible 240 2 Wood siding yes
1997 375,000 Tile Roof 2,370 3 $5000 to $10,000 Deductible 370 3 Stucco siding yes
1987 175,000 Composition Roof 1,390 3 $500 Deductible 140 1 Stucco siding No
2014 230,000 Tile Roof 1,630 5 $500 Deductible 190 1 Stucco siding yes
1991 375,000 Composition Roof 3,250 5 $5000 to $10,000 Deductible 830 5 Stucco siding yes
1999 245,000 Wood Shake Roof 1,740 4 $500 Deductible 490 4 Stucco siding yes
2012 250,000 Shingles Roof 1,780 4 $2500-$5000 Deductible 1290 10 Wood siding No
1981 210,000 Slate Shingles Roof 1,440 3 $1000-$2500 Deductible 380 3 Stucco siding yes
1982 265,000 Metal Roof 1,770 4 $2500-$5000 Deductible 580 5 Brick siding yes
1990 425,000 Tile Roof 3,370 4 $1000-$2500 Deductible 2470 12 Brick siding yes
2012 145,000 Slate Shingles Roof 1,210 3 $2500-$5000 Deductible 740 8 Fiber-Cement Siding No
1998 395,000 Slate Shingles Roof 2,530 5 $2500-$5000 Deductible 1930 10 Fiber-Cement Siding No
1995 165,000 Asphalt Shingles Roof 1,330 3 $500- $1000 Deductible 490 4 Stucco siding yes