Maplewood Insurance Rates:

Maplewood, MN homeowners insurance is nearly $877 to $1,192, about $73-$99/month. Our detailed research reveals consumers can save upto $414 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Different Ways to Reduce your Home Insurance in Maplewood, MN

The average cost of home insurance in Maplewood, MN, is $1188. As a homeowner in Maplewood, MN, it's important to have homeowner's insurance to protect your investment. Homeowner's insurance is essential because it can help pay for repairs or replacement if your home is damaged by fire, theft, or other covered events. It can also help pay for temporary living expenses if your home is uninhabitable due to damage. In addition, homeowner's insurance can provide liability coverage if someone is injured on your property.

The size and kind of your home, the materials used to build it, how old it is, the neighbourhood where you live, and the physical qualities of the property are risk variables that affect the price of a home insurance policy. In this article, a few additional factors are mentioned below.

By Choosing a Higher Deductible

Homeowners in Maplewood, MN, can save on their insurance rates by choosing a higher deductible. By doing so, they can reduce the amount of money they would have to pay out of pocket in case of a claim. This can be a great way to save money, especially for those who are on a tight budget. For example, in Maplewood, Minnesota, homeowners with deductibles of 500 and 1500 pay premiums of $1173.74 and $999.58, but those with deductibles of 2000 and 2500 pay premiums of $907.39 and $852.98, respectively. Therefore, the lower the homeowners insurance rates in Maplewood, Minnesota, the higher the deductible.

By Installing Safety Features

Homeowners in Maplewood, MN, can reduce their insurance rates by installing safety features in their homes. Some of these features include smoke detectors, fire extinguishers, and deadbolt locks. By installing these items, homeowners can show their insurance companies that they are taking steps to protect their homes and belongings from fire and theft. In return, the insurance company may offer a discount on the premium. For instance, residences in Maplewood, Minnesota, that have deadbolts spend $1092.96 for homeowner's insurance. Having deadlocks installed at home reduces the risk of theft or break-in.

By Maintaining a Zero Claims History

Your claims history is one of the factors that insurance companies use to determine your premium. If you have a history of filing claims, your premium will likely be higher than someone who doesn't have a claims history. Therefore, by maintaining a zero claims history, you may be able to reduce the amount you pay for your policy. For example, homeowners in Maplewood, MN, with zero claims history, have to pay a premium of $1021.68. In contrast, homeowners with one or two claims must pay $1283.04 and $1354.32 on homeowners insurance in Maplewood, MN.

Maplewood, MN Homeowners Insurance By Home Value

Maplewood, MN Home Value Total Homes % of Total Average Maplewood, MN Homeowners Insurance
Less than $50,000 778 7.0% $124
$80,000 to $89,999 141 1.0% $424
$100,000 to $124,999 537 5.0% $558
$125,000 to $149,999 750 7.0% $693
$150,000 to $174,999 1,516 14.0% $817
$175,000 to $199,999 1,264 12.0% $952
$200,000 to $249,999 2,286 22.0% $1138
$250,000 to $299,999 1,668 16.0% $1397
$300,000 to $399,999 1,125 10.0% $1780

Top Home Insurance Agents Near Maplewood, MN

Home Insurance Company Near Maplewood, MN Homeowners Insurance Agency Near Maplewood, MN Address
NA Sandeen Insurance 605 2Nd St, Hudson, WI, 54016
State Farm Dan Cheung 4020 Minnehaha Avenue, Minneapolis, MN, 55406-4529
State Farm Jan Johnson 2481 County Road E E, White Bear Lk, MN, 55110-4807
State Farm Maggie Suby 1570 Century Pt Ste 100, Eagan, MN, 55121-1927
State Farm Rick Ronning 12209 Champlin Dr Ste 101, Champlin, MN, 55316-1974

Maplewood, MN Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Maplewood, MN

Streets in Maplewood Area Homeowners Insurance Cost
Co Hwy 64, Timber Ct E, Brookview Dr, N Ivy St, Ferndale St S, Parkway Dr, Laurie Rd E, Sterling St S, Burke Ct, Cowern Pl$1,024
Ferndale St S, E Skillman Ave, Highway Dr E, New Century Pl, Meyer Ct, 24th St, 3m Svc Rd, Nebraska Ave, Highwood Ave, N Gurney St$1,078
Sherren Ave E, Bison Dr, Linwood Ct E, Promontory Pl, Sterling St S, McClelland St N, Elm St, Century Ave S, Parkview Ct, S McKnight Rd$1,035
McKnight Rd S, Evar St N, Dahl Cir, Hudson Blvd N, Sextant Ave E, Marnie St, 15th St, 1st Ave E, Rebecca Dr, Dennis St$999
Frisbie Ave, Overlook Cir, Laurie Rd, N Dieter St, Hoyt Ave, Parkview Ln, Deer Ridge Ln, Nemitz Ave, Fenton St, Meyer St$1,027

Maplewood, MN Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Maplewood$154 to $157
North St. Paul$154
Little Canada$155
Gem Lake$162

Maplewood, 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
North St. Paul city, Minnesota $129 $171 $257
Little Canada city, Minnesota $130 $173 $259
Gem Lake city, Minnesota $136 $181 $271

Maplewood, 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
Maplewood, MN5.2%16.4%
North St. Paul5.3%18.64%
Little Canada5.43%16.89%
Gem Lake4.25%14.2%

Maplewood Renters Insurance as a Percentage of Rent

Maplewood Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 88 2.0% $780
$300 to $499 393 9.0% $1230
$500 to $749 723 18.0% $1905
$750 to $999 1,438 36.0% $2655
$1,000 to $1,499 994 25.0% $3780
$1,500 or more 312 7.0% $5430

Maplewood, MN Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Maplewood Homeowner Insurance Premium Example $2,300$1,800
Out of Pocket Expense During Claim$600$1,600
Total Home Insurance Premium for 3 years + Out of Pocket Expense for Claim $7,500$7,000
Net Savings to Maplewood Home Owner from High Deductible Plan $500

Maplewood, MN Home Insurance Costs With Home Replacement Value Scenarios

Scenario Maplewood, MN Home Replacement Value MORE than Home Value Maplewood, MN Home Replacement Value LESS than Home Value
Replacement Value $215,500 $142,500
Insurance Premium based on Replacement Value $1,575 $1,050
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $50,000 Risk Exposure from Under Insuring Coverage is $23,000
Premium Impact Insurance cheaper by $175/year Insurance costlier by $350/year

Example Maplewood Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateState FarmTravelers
Monthly Premium 15016867
Year Built 201319761995
Home Details 4 Beds, 2 Baths5 Beds, 2 Baths2 Beds, 1 Baths
Coverage Amount $350000-$400000$250000-$300000$100000-$125000
Deductible $2500-$5000 Deductible$500- $1000 Deductible$500 Deductible

Sample Home Insurance Rates for Maplewood, 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 370,000 Composition Roof 4,000 5 > $10,000 Deductible 670 5 Stone Siding No
2000 225,000 Composition Roof 2,390 4 > $10,000 Deductible 910 9 Stucco siding No
1971 150,000 Slate Shingles Roof 1,480 3 $500 Deductible 200 3 Stucco siding yes
2005 160,000 Shingles Roof 1,460 3 $500 Deductible 1800 12 Fiber-Cement Siding No
1964 470,000 Composition Roof 3,970 5 $2500-$5000 Deductible 1620 7 Stone Siding yes
2013 340,000 Tile Roof 3,670 5 $5000 to $10,000 Deductible 1730 12 Fiber-Cement Siding No
2010 180,000 Shingles Roof 1,980 4 $1000-$2500 Deductible 920 10 Brick siding No
1984 165,000 Wood Shake Roof 1,640 5 $500- $1000 Deductible 410 5 Stone Siding No
1980 150,000 Slate Shingles Roof 1,180 2 $500 Deductible 220 2 Stone Siding No
2008 130,000 Tile Roof 1,350 2 $2500-$5000 Deductible 460 10 Wood siding yes
1963 185,000 Metal Roof 1,830 4 $500- $1000 Deductible 1420 12 Wood siding yes
1992 200,000 Tile Roof 2,120 3 $1000-$2500 Deductible 840 8 Fiber-Cement Siding No
1983 295,000 Tile Roof 2,930 4 $5000 to $10,000 Deductible 1250 8 Vinyl siding yes
2010 200,000 Asphalt Shingles Roof 1,560 5 $500- $1000 Deductible 230 2 Fiber-Cement Siding yes
1968 320,000 Shingles Roof 2,460 5 $1000-$2500 Deductible 590 3 Stucco siding yes
2011 210,000 Metal Roof 2,160 5 $2500-$5000 Deductible 1070 9 Stucco siding No
1978 180,000 Shingles Roof 1,950 4 $2500-$5000 Deductible 400 4 Wood siding yes
2011 380,000 Slate Shingles Roof 3,300 4 $2500-$5000 Deductible 1240 7 Stucco siding No
1963 105,000 Tile Roof 1,080 2 $500- $1000 Deductible 180 4 Brick siding yes
2014 125,000 Metal Roof 970 2 $500- $1000 Deductible 590 6 Vinyl siding yes
1961 260,000 Tile Roof 2,230 3 $2500-$5000 Deductible 700 6 Stucco siding No
1988 145,000 Membrane Roof 1,440 3 $1000-$2500 Deductible 570 7 Vinyl siding No
1966 205,000 Membrane Roof 1,870 3 > $10,000 Deductible 510 8 Brick siding yes
2012 210,000 Membrane Roof 1,910 5 $2500-$5000 Deductible 1180 10 Brick siding yes
2010 200,000 Tile Roof 1,740 2 > $10,000 Deductible 550 8 Wood siding No
2011 155,000 Membrane Roof 1,210 2 $500 Deductible 690 7 Brick siding yes
1963 180,000 Wood Shake Roof 1,730 4 $500- $1000 Deductible 570 5 Brick siding yes
2007 110,000 Tile Roof 1,140 2 $1000-$2500 Deductible 200 4 Stone Siding yes
1966 190,000 Asphalt Shingles Roof 1,670 3 $500- $1000 Deductible 380 3 Stucco siding No
1972 280,000 Composition Roof 2,670 4 $1000-$2500 Deductible 1270 8 Stucco siding No
2014 480,000 Wood Shake Roof 3,810 5 $1000-$2500 Deductible 1500 5 Vinyl siding No
1986 210,000 Asphalt Shingles Roof 1,740 4 $5000 to $10,000 Deductible 160 2 Vinyl siding yes
1998 125,000 Asphalt Shingles Roof 1,110 2 $1000-$2500 Deductible 690 9 Vinyl siding yes
1985 125,000 Asphalt Shingles Roof 960 2 $2500-$5000 Deductible 160 2 Stone Siding yes

Latest Home Insurance Reviews

State Farm
I think my deductible is very affordable compared to other companies. And again bundling insurance through State Farm drops my cost.
State Farm
I would reccomend this company because they do a good job of checking in with you and making sure you are satisfied with their service. I dont really have much to say about why i wouldn't recommend this company.
This insurance company offers excellent protection at a fair value pricing point. We have used their assistance on more than one occasion and have been a pleasure to work with.
I love Geico Insurance. Not only do they have the best prices but they have the best customer service. They are always there to answer your questions and deal with any issues or problems you may have. They are very responsive.
State Farm
I am very satisfied with my policy, for mere pennies I was able to add on additional insurance that covered permanently installed systems, sewer and underground electric lines that weren't typically covered.
Grange Insurance
I have had no major issues when I have had to contact Grange's customer service, at least nothing that comes to mind either good or bad. So if I can't remember having any bad experiences, then they are probably doing a good job.
I do feel like our premium is a little high now. It keeps going up each year, but I have not looked at other companies to get check rates.
American Family Insurance
Very good - I had a break in at my condo last year, and they were contacted by the police the same day. Their claims assessor promptly called me, set up an appointment to look at the damage, then sent a fair compensation check within a week.
State Farm
Overpriced. It's all a huge racket where the only person getting ahead is the insurance company. I hope there is a special place in hell for insurance salespeople.
The policy is pretty general and comparable to other companies.
It is super easy to use their website. you just go on and it is super intuitive to find what you want.
One thing i don't like about my home insurance company is that while the customer service is top notch, i'm paying a little more than i would with other companies.
Farm Bureau
Georgia farm bureau mutual insurance company is conveniently located to us. all of their workers seem to be from the south. southern charm and personalities make dealing with insurance more pleasant.
The coverage we are really satisfied with when compared to other companies. The price we think is very fair and adjustable so we love that as well.
To be honest, there is not anything I dislike about this company. I have not been with them for a long time, but I am content so far and don't see that changing anytime soon.
State Farm
My experience with them is that they have employees that either hates their job or don't care how well they're doing that job and the company doesn't seem to mind and definitely doesn't have a customer first attitude. They keep me only because of the current rate.
Liberty Mutual
I would say the only thing I dislike is how there's not as much advertisement out there for them! They need to put out some more commercials and get their name out there.
They are friendly and reasonably priced. They look for ways to save us money. They pay claims quickly and don't use them as an excuse to raise rates.
Liberty Mutual
Initially I was very unhappy with my assigned agent. I felt like my needs weren’t being focused on. I didn’t take fault with the company and am glad I didn’t. My new agent has been delightful.
Farmer's Insurance
I would recommend since the insurance company cares a lot for its clients from the time their consultant comes and visits you till the time the policy package is taken
The deductible is kinda of high but living in a hurricane, flood zones it is to be expected. I think the deductible is some what comparable to others in this area.

How To Make Your Maplewood, MN Home Insurance Cheaper

How Much Does Maplewood, MN Home Insurance Cost?