Hermantown Insurance Rates:

Hermantown, MN homeowners insurance is approximately $879 to $1,207, about $73-$100/month. Our extensive analysis reveals consumers can save as much as $417 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Hermantown, MN Homeowners Insurance By Home Value

Hermantown, MN Home Value Total Homes % of Total Average Hermantown, MN Homeowners Insurance
Less than $50,000 212 9.0% $114
$70,000 to $79,999 31 1.0% $354
$100,000 to $124,999 129 5.0% $521
$125,000 to $149,999 101 4.0% $657
$150,000 to $174,999 295 13.0% $771
$175,000 to $199,999 284 12.0% $896
$200,000 to $249,999 422 19.0% $1074
$250,000 to $299,999 341 15.0% $1314
$300,000 to $399,999 342 15.0% $1679

Top Home Insurance Agents Near Hermantown, MN

Home Insurance Company Near Hermantown, MN Homeowners Insurance Agency Near Hermantown, MN Address
Allstate Century Insurance Agency Inc 1908 Iowa Ave, Superior, WI, 54880
Travelers Holden Insurance Agency Inc 5713 GRAND AVE, DULUTH, MN, 55807
State Farm Karla Mitchell 224 E Ctrl Entrance Ste 2, Duluth, MN, 55811-5519
Farmers Marilyn Moore 394 S Lake Ave Ste 600, Duluth, MN, 55802
State Farm Rolf Flaig 1315 W Arrowhead Rd, Duluth, MN, 55811-2217

Cost Of Homeowners Insurance By Street Near Hermantown, MN

Streets in Hermantown Area Homeowners Insurance Cost
Stanford Ave, Airbase Rd, Birch Ave, Esker Truck Trl, Jamilee Dr, Birch Rd, N Crosby Rd, Clark Ct, Louis Ct, Heine Rd$1,031
Mustang Dr, Ogston Dr, N Jackson Rd, Alma Dr, Townline Rd, Redbud St, Wargin Rd, E Myrtle St, S Arlington Ave, Co Hwy 48$1,015
Stebner Rd, Glacier Trl, E Village View Dr, Abrahamson Rd, Ralston Dr, Co Rd 223, Elmwood Ln, Maple Grove Rd, Co Rd 391, Oak Ridge Dr$1,035
Estros Rd, Mary Lane Dr, Bylund Rd, Jonan Dr, T5727, Chambersburg Ave, Falcon Dr, Terrace St, Twp Rd 5736, Skow Rd$1,028
W Lemon St, Eddy Ave, Crystal Dr, Co Hwy 6, Thunderchief Ln, Youngdahl Rd, Walnut St, Twp Rd 5738, Co Rd 881, Beckman Rd$1,028

Hermantown, MN Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Hermantown$155 to $157
Proctor$150
Canosia$156
Solway$154

Hermantown, 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
Proctor city, Minnesota $151 $201 $302
Canosia township, St. Louis County, Minnesota $156 $208 $312
Solway township, St. Louis County, Minnesota $154 $205 $308

Hermantown, 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
Hermantown, MN5.8%21.8%
Proctor6.47%20.45%
Canosia5.4%20.07%
Solway5.92%19.28%

Hermantown Renters Insurance as a Percentage of Rent

Hermantown Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 28 3.0% $1227
$500 to $749 203 22.0% $1902
$750 to $999 362 40.0% $2652
$1,000 to $1,499 192 21.0% $3777
$1,500 or more 104 11.0% $5427

Hermantown, MN Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$4,600
Yearly Hermantown Homeowner Insurance Premium Example $5,400$4,600
Out of Pocket Expense During Claim$600$4,600
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $33,000$32,200
Net Savings to Hermantown Home Owner from High Deductible Plan $800

Hermantown, MN Home Insurance Costs With Home Replacement Value Scenarios

Scenario Hermantown, MN Home Replacement Value MORE than Home Value Hermantown, MN Home Replacement Value LESS than Home Value
Replacement Value $205,000 $126,000
Insurance Premium based on Replacement Value $1,975 $1,200
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $39,500 Risk Exposure from Under Insuring Coverage is $39,500
Premium Impact Insurance cheaper by $375/year Insurance costlier by $400/year

Example Hermantown Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualNationwide InsuranceChubb Group of Insurance
Monthly Premium 99187212
Year Built 201319741985
Home Details 3 Beds, 2 Baths4 Beds, 2 Baths5 Beds, 4 Baths
Coverage Amount $175000-$200000$250000-$300000$350000-$400000
Deductible $2500-$5000 Deductible$500- $1000 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2004 180,000 Wood Shake Roof 1,570 3 $500- $1000 Deductible 490 4 Vinyl siding No
2012 180,000 Composition Roof 1,600 3 $500 Deductible 1840 12 Wood siding yes
2013 375,000 Slate Shingles Roof 3,800 5 > $10,000 Deductible 370 2 Fiber-Cement Siding No
1989 155,000 Tile Roof 1,620 3 $2500-$5000 Deductible 1060 12 Stucco siding yes
2010 220,000 Shingles Roof 1,910 3 $5000 to $10,000 Deductible 810 10 Vinyl siding yes
2010 350,000 Tile Roof 3,300 5 $1000-$2500 Deductible 650 3 Fiber-Cement Siding yes
2003 320,000 Shingles Roof 2,790 4 $5000 to $10,000 Deductible 310 2 Fiber-Cement Siding yes
2012 240,000 Tile Roof 1,790 5 > $10,000 Deductible 340 4 Stone Siding yes
1971 325,000 Metal Roof 2,360 3 $500 Deductible 960 5 Vinyl siding No
2005 230,000 Shingles Roof 2,110 4 $2500-$5000 Deductible 950 7 Wood siding yes
2010 315,000 Composition Roof 2,400 4 $500 Deductible 2610 9 Stucco siding yes
2005 440,000 Wood Shake Roof 4,240 5 > $10,000 Deductible 710 4 Brick siding yes
2002 265,000 Metal Roof 2,340 4 $500- $1000 Deductible 1160 6 Stucco siding No
1987 185,000 Shingles Roof 1,650 4 $1000-$2500 Deductible 560 5 Fiber-Cement Siding No
1971 520,000 Metal Roof 4,280 5 $2500-$5000 Deductible 940 3 Fiber-Cement Siding No
2006 285,000 Shingles Roof 2,020 4 $5000 to $10,000 Deductible 1050 8 Stucco siding yes
1986 365,000 Tile Roof 2,620 4 $500 Deductible 450 2 Brick siding No
1984 270,000 Tile Roof 2,270 3 $500 Deductible 200 1 Fiber-Cement Siding No
2005 185,000 Tile Roof 1,710 3 $500 Deductible 660 5 Stone Siding No
2003 285,000 Composition Roof 2,630 4 $500- $1000 Deductible 1930 12 Fiber-Cement Siding yes
1973 290,000 Wood Shake Roof 2,150 5 $500 Deductible 1950 10 Wood siding No
2011 275,000 Shingles Roof 2,210 3 > $10,000 Deductible 490 5 Vinyl siding yes
2012 470,000 Wood Shake Roof 3,270 4 $500 Deductible 4260 10 Stucco siding yes
2014 230,000 Metal Roof 2,270 3 $500 Deductible 140 1 Stone Siding yes
2003 415,000 Membrane Roof 3,950 5 $500- $1000 Deductible 1690 8 Stone Siding No
2004 210,000 Shingles Roof 1,660 4 $500 Deductible 120 1 Vinyl siding No
2012 185,000 Asphalt Shingles Roof 1,590 3 $1000-$2500 Deductible 70 1 Wood siding yes
1989 295,000 Membrane Roof 2,320 3 $500- $1000 Deductible 1620 10 Stucco siding No
1976 240,000 Membrane Roof 2,180 3 $1000-$2500 Deductible 1860 12 Stone Siding yes
1982 200,000 Membrane Roof 1,670 5 $500 Deductible 600 4 Vinyl siding No