Lake City Insurance Rates:

Lake City, MN homeowners insurance is roughly $851 to $1,163, about $70-$96/month. Our comprehensive analysis indicates shoppers can save as much as $402 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Lake City, MN Homeowners Insurance By Home Value

Lake City, MN Home Value Total Homes % of Total Average Lake City, MN Homeowners Insurance
Less than $50,000 172 10.0% $161
$50,000 to $59,999 17 1.0% $342
$70,000 to $79,999 33 1.0% $493
$90,000 to $99,999 63 3.0% $624
$100,000 to $124,999 189 11.0% $714
$125,000 to $149,999 351 20.0% $896
$150,000 to $174,999 237 14.0% $1067
$175,000 to $199,999 186 11.0% $1228
$200,000 to $249,999 209 12.0% $1480
$250,000 to $299,999 123 7.0% $1812
$300,000 to $399,999 90 5.0% $2295

Top Home Insurance Agents Near Lake City, MN

Home Insurance Company Near Lake City, MN Homeowners Insurance Agency Near Lake City, MN Address
NA Oaktree Insurance 7303 161St St W Ste 200 Rosemount, Lakeville, MN, 55068
Liberty Mutual Independent Butler & Associates Ins Agency 15322 GALAXIE AVE, APPLE VALLEY, MN, 55124
State Farm Dick Thomsen 736 2nd St SW, Rochester, MN, 55902-2989
Travelers Hirman Insurors 4001 WEST RIVER PARKWAY, ROCHESTER, MN, 55903
Erie Northwestern Insurance Agencies Inc. 211 Harvest Lane, Altoona, WI, 54720

Cost Of Homeowners Insurance By Street Near Lake City, MN

Streets in Lake City Area Homeowners Insurance Cost
Golfview Ridge, County 3 Blvd, 250th Ave, 340th Street Way, N Oak St, 357th St Way, Sevastopol Rd, 305th St, Central Point Rd, Sumner St$1,068
Eagle Ridge Ct, N Lakeshore Dr, Wells St, 277th Street Way, Maury Ave, Lake Ave, County 2 Blvd, Harrison St, Kaffitz Rd, 320th St$1,058
Wacouta Heights Way, 267th Street Way, Redwing Ave, 363rd Avenue Way, Farm View St, Flueger Rd, 332nd St, Old Church Rd, Bay View St, Faribault St$1,063
Safari Way, 287th Ave, Manypenny Ave, Adam Ave, W Vine St, Leroy Ave, Grosse Point Rd, Keye Avenue Way, Co Rd 36, Wood St$1,070
Lakeview Dr, Lincoln St, Hill Ave Trl, W Grant St, Grace Trl, Pepin Vista Ave, High St, 320th Ct, Martin St, Wild Turkey Ct$1,059

Lake City, MN Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Lake City$150 to $153
Mount Pleasant$163
Stockholm$101
Frontenac$155

Lake City, 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
Mount Pleasant township, Wabasha County, Minnesota $163 $217 $326
Stockholm town, Pepin County, Wisconsin $101 $135 $203
Frontenac CDP, Minnesota $155 $207 $311

Lake City, 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
Lake City, MN6.9%19.4%
Mount Pleasant4.79%17.95%
Stockholm3.61%7.98%
Frontenac5.76%28.15%

Lake City Renters Insurance as a Percentage of Rent

Lake City Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 36 9.0% $1240
$500 to $749 96 24.0% $1915
$750 to $999 150 37.0% $2665
$1,000 to $1,499 42 10.0% $3790
$1,500 or more 73 18.0% $5440

Lake City, MN Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,600$2,600
Yearly Lake City Homeowner Insurance Premium Example $800$600
Out of Pocket Expense During Claim$1,600$2,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $8,000$7,400
Net Savings to Lake City Home Owner from High Deductible Plan $600

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

Scenario Lake City, MN Home Replacement Value MORE than Home Value Lake City, MN Home Replacement Value LESS than Home Value
Replacement Value $315,500 $184,500
Insurance Premium based on Replacement Value $2,900 $1,700
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $72,000 Risk Exposure from Under Insuring Coverage is $59,000
Premium Impact Insurance cheaper by $550/year Insurance costlier by $650/year

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

Insurance Company Amica Mutual Insurance CompanyAllstateNationwide Insurance
Monthly Premium 10587153
Year Built 201019812001
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 3 Baths
Coverage Amount $150000-$175000$125000-$150000$200000-$250000
Deductible $500 Deductible$500- $1000 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2011 180,000 Asphalt Shingles Roof 2,000 4 $2500-$5000 Deductible 1100 12 Wood siding No
1973 265,000 Shingles Roof 2,960 4 $500- $1000 Deductible 1070 7 Stone Siding yes
1980 435,000 Asphalt Shingles Roof 4,240 5 > $10,000 Deductible 390 2 Vinyl siding yes
2012 305,000 Tile Roof 3,230 4 $1000-$2500 Deductible 1430 7 Stone Siding No
2008 430,000 Asphalt Shingles Roof 3,880 5 $2500-$5000 Deductible 1600 7 Wood siding No
2011 300,000 Wood Shake Roof 3,740 5 $5000 to $10,000 Deductible 1210 10 Stucco siding yes
2001 120,000 Asphalt Shingles Roof 1,410 3 $2500-$5000 Deductible 330 4 Wood siding No
1970 205,000 Composition Roof 1,880 5 $2500-$5000 Deductible 910 8 Stucco siding No
1977 245,000 Shingles Roof 2,380 3 $500 Deductible 790 6 Stucco siding yes
1979 190,000 Slate Shingles Roof 2,060 3 $500 Deductible 350 3 Fiber-Cement Siding No
1949 155,000 Slate Shingles Roof 1,660 3 $1000-$2500 Deductible 270 3 Stucco siding No
2001 285,000 Shingles Roof 2,840 5 $5000 to $10,000 Deductible 620 4 Brick siding No
2012 190,000 Asphalt Shingles Roof 1,940 5 $500 Deductible 1450 12 Brick siding yes
1984 405,000 Metal Roof 4,060 5 $1000-$2500 Deductible 2390 12 Vinyl siding No
2006 160,000 Shingles Roof 1,500 3 $500 Deductible 520 5 Fiber-Cement Siding No
2011 310,000 Metal Roof 3,390 5 $1000-$2500 Deductible 530 4 Vinyl siding yes
1979 165,000 Shingles Roof 1,660 4 $1000-$2500 Deductible 510 4 Wood siding No
1942 170,000 Slate Shingles Roof 1,550 3 $2500-$5000 Deductible 760 7 Wood siding yes
1989 205,000 Membrane Roof 2,550 5 $5000 to $10,000 Deductible 610 8 Fiber-Cement Siding yes
1980 210,000 Composition Roof 2,190 3 $500- $1000 Deductible 1120 7 Brick siding No
1971 125,000 Composition Roof 1,440 3 $500 Deductible 70 1 Wood siding No
1946 115,000 Metal Roof 1,490 3 $500 Deductible 700 10 Stucco siding No
1940 320,000 Metal Roof 3,310 4 $1000-$2500 Deductible 160 1 Vinyl siding No
1971 215,000 Composition Roof 1,990 3 $500 Deductible 1630 12 Vinyl siding yes
1947 355,000 Tile Roof 3,370 4 $2500-$5000 Deductible 820 6 Stucco siding No
2004 190,000 Wood Shake Roof 2,250 3 $500- $1000 Deductible 440 4 Stucco siding yes
1980 180,000 Membrane Roof 2,010 3 $500 Deductible 350 2 Wood siding yes
1949 315,000 Metal Roof 3,140 4 $500 Deductible 1780 10 Stucco siding No
2011 245,000 Tile Roof 2,580 4 $5000 to $10,000 Deductible 710 6 Brick siding yes
1977 315,000 Metal Roof 3,970 5 $2500-$5000 Deductible 1040 5 Stone Siding No
1985 435,000 Tile Roof 4,950 5 $1000-$2500 Deductible 2000 9 Stucco siding yes
2008 150,000 Wood Shake Roof 2,020 5 $1000-$2500 Deductible 120 2 Vinyl siding No
2005 200,000 Slate Shingles Roof 1,860 3 $5000 to $10,000 Deductible 850 8 Stone Siding No
2010 265,000 Slate Shingles Roof 2,490 5 $5000 to $10,000 Deductible 310 3 Stone Siding yes