Northfield Insurance Rates:

Northfield, MN homeowners insurance is roughly $880 to $1,199, about $73-$99/month. Our exhaustive research shows customers can save as much as $416 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Safeco Insurance
The customer service is very friendly and very knowledgeable. i have never waited more than 2 minutes to speak with a safeco representative and my questions were always answered precisely.
State Farm
Their office location is located in an old bank building by walmart neighborhood market. sometimes it is very hard to get into the parking lot and to leave it. for the times i have to go into the office.
Travelers
I really like that they are competitive when it comes to their prices. they are willing to bend as much as necessary to make sure you are getting the best deal possible.
Allstate
My insurance company communicates with me quickly in response to any questions that I may have relative to my coverage options, claims information or other pertinent information.
Liberty Mutual
They are able to give me a cheap rate that covers a lot of possible damages to my home. My agent is very nice to work with and is always available for questions.
Farmer's Insurance
Covers what I need to be covered but it would be nice if it was the more reasonable price that more people can afford.
Travelers
They were the only company that followed up with me when getting quotes and they called me back and followed through on every follow-up email they promised, unlike others.
Farm Bureau
The customer service is amazing, they always address any concern I have and make sure things are right when I call. They come out if and when I need to file a claim and they are very thorough as well.

Northfield, MN Homeowners Insurance By Home Value

Northfield, MN Home Value Total Homes % of Total Average Northfield, MN Homeowners Insurance
Less than $50,000 140 3.0% $114
$60,000 to $69,999 75 1.0% $312
$80,000 to $89,999 57 1.0% $416
$90,000 to $99,999 42 1.0% $457
$100,000 to $124,999 155 3.0% $530
$125,000 to $149,999 323 8.0% $665
$150,000 to $174,999 470 12.0% $790
$175,000 to $199,999 525 13.0% $915
$200,000 to $249,999 927 23.0% $1102
$250,000 to $299,999 588 15.0% $1352
$300,000 to $399,999 588 15.0% $1716

Top Home Insurance Agents Near Northfield, MN

Home Insurance Company Near Northfield, MN Homeowners Insurance Agency Near Northfield, MN Address
State Farm Jody Baber 1701 Arcade St, Maplewood, MN, 55109-4204
State Farm Kim Schaffer 112 E 5th St Ste 104, Chaska, MN, 55318-2253
Farmers Richard Dick Allen 2626 MCMENEMY ST APT B, Little Canada, MN, 55117
Travelers Tincher Peterson And Sincock 285 18TH ST SE, OWATONNA, MN, 55060
State Farm Vickie Pinder 2211 11th Ave E Ste 150, North St Paul, MN, 55109-5177

Cost Of Homeowners Insurance By Street Near Northfield, MN

Streets in Northfield Area Homeowners Insurance Cost
Bridge Sq, 22, Karow Trl, Shields Ct, Manitou St, Co Hwy 34, Co Rd 78, Edwards Way, Cedar Ln, Decker Ct$1,099
Lincoln Ln, Falk Ave, Water St, Sumner St W, Linden St S, Jefferson Dr, Echo Ave, State Hwy 99, Lincoln Pkwy, Co Rd 37$1,083
80th St, Flora Ct, Albany Ave, 118th St E, Thomas Ct, Babcock Trl, West Ave, Co Rd 82, 64, 124th Ct E$1,093
Detelemark Rd, N Orchard St, Devine Ave, 130th St W, Forest Ave, Millersburg Blvd E, Giefer Ave, Dundas Blvd, Abbey Rd, Juniper Ave$1,089
Hester St, Hwy 3 S, Lincoln St N, Larkspur Ct, Kent Ave, 135th St W, 110th St E, Baneberry Ct, Creek Ln, 79$1,094

Northfield, MN Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Northfield$155 to $158
Dundas$152
Bridgewater$163
Greenvale$166

Northfield, 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
Dundas city, Minnesota $152 $203 $305
Bridgewater township, Rice County, Minnesota $164 $218 $327
Greenvale township, Dakota County, Minnesota $167 $222 $333

Northfield, 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
Northfield, MN5.0%16.1%
Dundas5.54%15.02%
Bridgewater4.54%17.98%
Greenvale4.2%15.18%

Northfield Renters Insurance as a Percentage of Rent

Northfield Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 142 6.0% $328
$200 to $299 102 4.0% $778
$300 to $499 176 8.0% $1228
$500 to $749 747 35.0% $1903
$750 to $999 554 26.0% $2653
$1,000 to $1,499 233 11.0% $3778
$1,500 or more 123 5.0% $5428

Northfield, MN Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$500$3,500
Yearly Northfield Homeowner Insurance Premium Example $2,100$1,500
Out of Pocket Expense During Claim$500$3,500
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $17,300$15,500
Net Savings to Northfield Home Owner from High Deductible Plan $1,800

Northfield, MN Home Insurance Costs With Home Replacement Value Scenarios

Scenario Northfield, MN Home Replacement Value MORE than Home Value Northfield, MN Home Replacement Value LESS than Home Value
Replacement Value $268,500 $183,500
Insurance Premium based on Replacement Value $1,950 $1,350
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $46,000 Risk Exposure from Under Insuring Coverage is $39,000
Premium Impact Insurance cheaper by $275/year Insurance costlier by $325/year

Example Northfield Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceNationwide InsuranceAmica Mutual Insurance Company
Monthly Premium 58173120
Year Built 198620131948
Home Details 2 Beds, 1 Baths5 Beds, 1 Baths4 Beds, 3 Baths
Coverage Amount $125000-$150000$250000-$300000$300000-$350000
Deductible $5000 to $10,000 Deductible$1000-$2500 Deductible> $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2014 150,000 Metal Roof 1,270 3 $2500-$5000 Deductible 880 10 Wood siding yes
2011 615,000 Shingles Roof 4,420 5 $1000-$2500 Deductible 520 2 Stone Siding No
2009 210,000 Shingles Roof 1,640 3 $5000 to $10,000 Deductible 750 10 Stucco siding No
1983 250,000 Composition Roof 2,370 3 $500- $1000 Deductible 1300 9 Brick siding yes
1989 180,000 Asphalt Shingles Roof 1,600 5 $2500-$5000 Deductible 870 8 Wood siding No
1980 290,000 Tile Roof 2,220 5 $500 Deductible 460 3 Stucco siding yes
1995 225,000 Asphalt Shingles Roof 1,750 5 $5000 to $10,000 Deductible 340 5 Brick siding No
1981 305,000 Shingles Roof 2,210 3 > $10,000 Deductible 770 6 Brick siding No
2009 200,000 Metal Roof 1,660 2 $1000-$2500 Deductible 290 2 Stone Siding yes
1941 190,000 Metal Roof 1,390 2 $500 Deductible 100 1 Vinyl siding yes
1989 265,000 Wood Shake Roof 2,670 4 > $10,000 Deductible 300 3 Vinyl siding No
1982 255,000 Asphalt Shingles Roof 2,000 4 $500- $1000 Deductible 190 1 Brick siding No
2012 250,000 Asphalt Shingles Roof 1,940 3 $5000 to $10,000 Deductible 1070 8 Vinyl siding No
1946 235,000 Wood Shake Roof 2,120 4 $5000 to $10,000 Deductible 940 10 Wood siding yes
2006 270,000 Membrane Roof 2,210 4 $500- $1000 Deductible 2220 12 Vinyl siding No
1999 280,000 Asphalt Shingles Roof 2,350 3 $2500-$5000 Deductible 250 2 Wood siding yes
1945 660,000 Membrane Roof 4,670 5 > $10,000 Deductible 350 2 Stone Siding No
1987 450,000 Asphalt Shingles Roof 4,090 5 > $10,000 Deductible 130 1 Fiber-Cement Siding yes
1993 550,000 Shingles Roof 3,890 5 > $10,000 Deductible 1250 7 Brick siding No
2014 480,000 Shingles Roof 3,390 4 $2500-$5000 Deductible 840 4 Brick siding No
2004 215,000 Tile Roof 1,700 2 $1000-$2500 Deductible 1040 7 Wood siding No
2012 350,000 Slate Shingles Roof 3,200 4 $2500-$5000 Deductible 160 1 Fiber-Cement Siding No
2009 160,000 Metal Roof 1,190 2 $500 Deductible 650 6 Stone Siding yes
2012 220,000 Slate Shingles Roof 1,830 4 $1000-$2500 Deductible 90 1 Fiber-Cement Siding No
1995 290,000 Tile Roof 2,760 4 $500- $1000 Deductible 1290 8 Fiber-Cement Siding yes