Owatonna Insurance Rates:

Owatonna, MN homeowners insurance is approximately $856 to $1,160, about $71-$96/month. Our complete research shows customers can save as much as $403 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Farmer's Insurance
I like that farmers insurance offers competitive insurance premiums for comprehensive home insurance coverage--coverage that protects my home and possessions.
State Farm
No real reductions in my insurance just no increase from what i was paying before and also they kept saying that they wanted to reduce my insurance. they are in business to make money not lose money
Progressive
I like that every time i have called progressive, i speak to a real person within minutes rather than spending a long time on hold. while i do have to go through an automated call directory, i am often connected instantly to a customer service representative once i have selected a menu item that indicates this is what i want.
Farm Bureau
I cannot say enough good things about this insurance company. Their representatives are one of a kind and always there to help when I need them.
Nationwide
I periodically shop around for insurance. I've never got a home rate premium lower than what I have now for the same coverage.
Geico
the interaction pretty much boils down to emails I receive from them and payment confirmations and reminders and that it
Ameriprise
I've been really satisfied - the only thing is that the rates are somewhat high

Owatonna, MN Homeowners Insurance By Home Value

Owatonna, MN Home Value Total Homes % of Total Average Owatonna, MN Homeowners Insurance
Less than $50,000 310 4.0% $161
$70,000 to $79,999 147 2.0% $483
$80,000 to $89,999 179 2.0% $544
$90,000 to $99,999 239 3.0% $614
$100,000 to $124,999 1,005 13.0% $705
$125,000 to $149,999 1,389 19.0% $887
$150,000 to $174,999 1,500 20.0% $1048
$175,000 to $199,999 731 10.0% $1209
$200,000 to $249,999 909 12.0% $1461
$250,000 to $299,999 430 5.0% $1784
$300,000 to $399,999 297 4.0% $2268

Top Home Insurance Agents Near Owatonna, MN

Home Insurance Company Near Owatonna, MN Homeowners Insurance Agency Near Owatonna, MN Address
NA Olson Insurance 704 Central Ave, Northwood, IA, 50459
Liberty Mutual Independent Atlas Insurance Brokers - Davis Agency 1524 45Th St Nw, Rochester, MN, 55901
State Farm J P Kreutter 203 S Oak Ave, Owatonna, MN, 55060-2926
Farmers Jason Gallus 14540 Pennock Ave Ste 101, Apple Valley, MN, 55124
Travelers Marie A Schuette 140 W PEARL ST, OWATONNA, MN, 55060

Cost Of Homeowners Insurance By Street Near Owatonna, MN

Streets in Owatonna Area Homeowners Insurance Cost
Thompson Dr, Hawthorne Ave SW, Co Hwy 48, SE 103rd St, Wildflower Ln NE, Barb St NE, NE 49th Ave, Co Rd 4, Brook Ln NE, Wall Ave$1,019
18th St SE, NW 40th St, W Bridge St, NE 26th St, Clearview Pl, Spruce Ave, Co Hwy 29, 22nd St SE, E Mill St, Maple Leaf Ln NE$995
14th St NE, Co Rd 21, Saint Andrews Pl, 3rd Ave SW, NE 71st St, Rio Vista Pl SW, Co Hwy 10, Industrial Rd, SE 84th Ave, 4th Ave NE$1,028
S Cedar Ave, Sunflower Ln NE, Sage Ln NE, Bixby Rd, Oakview Dr, W Mill St, W Main St, 1st St SE, NE 86th St, SE 41st Ave$998
Meadow Ln, Water Tower Ln NE, Locust Ave, W Hills Cir, Oakdale Ln, Co Rd 37, Co Rd 4, Hoffman Dr NW, NW 50th St, Mann St$996

Owatonna, MN Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Owatonna$150 to $153
Clinton Falls$156
Medford$151
Meriden$152

Owatonna, 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
Clinton Falls township, Steele County, Minnesota $131 $174 $261
Medford city, Minnesota $126 $168 $252
Steele County, Minnesota $126 $168 $252

Owatonna, 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
Owatonna, MN6.2%21.1%
Clinton Falls5.27%16.83%
Medford5.9%21.02%
Steele County6.15%19.97%

Owatonna Renters Insurance as a Percentage of Rent

Owatonna Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 85 3.0% $340
$200 to $299 181 6.0% $790
$300 to $499 362 13.0% $1240
$500 to $749 1,143 42.0% $1915
$750 to $999 502 18.0% $2665
$1,000 to $1,499 294 10.0% $3790
$1,500 or more 150 5.0% $5440

Owatonna, MN Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,900$4,900
Yearly Owatonna Homeowner Insurance Premium Example $1,700$1,100
Out of Pocket Expense During Claim$1,900$4,900
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $12,100$11,500
Net Savings to Owatonna Home Owner from High Deductible Plan $600

Owatonna, MN Home Insurance Costs With Home Replacement Value Scenarios

Scenario Owatonna, MN Home Replacement Value MORE than Home Value Owatonna, MN Home Replacement Value LESS than Home Value
Replacement Value $237,500 $146,000
Insurance Premium based on Replacement Value $1,725 $1,075
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $36,500 Risk Exposure from Under Insuring Coverage is $55,000
Premium Impact Insurance cheaper by $400/year Insurance costlier by $250/year

Example Owatonna Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company TravelersNationwide InsuranceAmica Mutual Insurance Company
Monthly Premium 11317267
Year Built 199519481966
Home Details 3 Beds, 2 Baths5 Beds, 4 Baths2 Beds, 1 Baths
Coverage Amount $150000-$175000$350000-$400000$150000-$175000
Deductible $500- $1000 Deductible$1000-$2500 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1977 390,000 Slate Shingles Roof 3,540 5 $1000-$2500 Deductible 1410 7 Wood siding yes
1990 380,000 Composition Roof 3,740 5 $500- $1000 Deductible 1370 6 Stucco siding yes
1989 155,000 Wood Shake Roof 1,780 3 $500- $1000 Deductible 70 1 Wood siding yes
1987 180,000 Wood Shake Roof 1,640 4 $500- $1000 Deductible 730 6 Fiber-Cement Siding No
2008 210,000 Metal Roof 2,160 4 $500 Deductible 320 3 Brick siding yes
1992 90,000 Composition Roof 1,060 2 $500- $1000 Deductible 90 2 Brick siding No
1943 220,000 Membrane Roof 2,520 4 $500 Deductible 1910 12 Stucco siding No
1984 135,000 Wood Shake Roof 1,560 5 $2500-$5000 Deductible 80 1 Wood siding No
2013 145,000 Wood Shake Roof 1,500 3 $1000-$2500 Deductible 440 4 Brick siding yes
1991 185,000 Tile Roof 1,760 2 $5000 to $10,000 Deductible 240 4 Fiber-Cement Siding No
2001 295,000 Composition Roof 2,900 4 $500- $1000 Deductible 1930 10 Brick siding yes
1949 380,000 Shingles Roof 3,820 5 $1000-$2500 Deductible 1910 7 Vinyl siding No
1991 300,000 Metal Roof 2,790 4 $500- $1000 Deductible 880 4 Fiber-Cement Siding No
1965 155,000 Composition Roof 1,570 3 $5000 to $10,000 Deductible 210 3 Fiber-Cement Siding yes
2012 250,000 Asphalt Shingles Roof 2,590 4 $2500-$5000 Deductible 600 7 Fiber-Cement Siding yes
1971 140,000 Composition Roof 1,360 2 $1000-$2500 Deductible 830 9 Fiber-Cement Siding No
1971 170,000 Shingles Roof 1,850 4 $1000-$2500 Deductible 190 2 Stucco siding No
2011 285,000 Membrane Roof 3,260 4 $500- $1000 Deductible 490 3 Stone Siding yes
1978 145,000 Shingles Roof 1,580 3 $500- $1000 Deductible 170 3 Brick siding No
1995 330,000 Composition Roof 3,410 5 $500- $1000 Deductible 380 2 Wood siding yes
1980 210,000 Asphalt Shingles Roof 1,990 3 $5000 to $10,000 Deductible 730 7 Brick siding yes
2002 120,000 Wood Shake Roof 1,180 2 $1000-$2500 Deductible 240 5 Wood siding yes
1967 245,000 Membrane Roof 3,030 5 $2500-$5000 Deductible 120 1 Stucco siding No
1974 190,000 Wood Shake Roof 1,770 2 $5000 to $10,000 Deductible 310 3 Brick siding yes
2013 125,000 Composition Roof 1,160 2 $2500-$5000 Deductible 420 9 Brick siding No
2014 155,000 Membrane Roof 1,770 3 $2500-$5000 Deductible 560 6 Stone Siding yes
2000 160,000 Asphalt Shingles Roof 2,100 4 $500 Deductible 290 4 Wood siding No
1941 120,000 Shingles Roof 1,510 2 $2500-$5000 Deductible 200 4 Stone Siding yes
1977 480,000 Composition Roof 4,290 5 $1000-$2500 Deductible 1360 5 Brick siding No
2010 255,000 Slate Shingles Roof 2,300 5 > $10,000 Deductible 630 8 Stucco siding No
1976 255,000 Shingles Roof 2,660 4 $2500-$5000 Deductible 1080 8 Stucco siding yes
2013 415,000 Shingles Roof 4,710 5 $2500-$5000 Deductible 2340 10 Vinyl siding yes