Plymouth, MN Home Insurance - Analysis On Quotes, Rates & Agents

Plymouth, MN Insurance Rates:

Homeowners need to compare different quotes to find the best home insurer suitable for their needs. The following analysis by vHome Insurance in Plymouth, MN helps consumers in making better choices. Enter your Zip Code in the banner below to get home insurance quotes. vHome Insurance undertook a detailed analysis of the cost of insurance inPlymouth, MN.

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Average Home Insurance Premium in Plymouth, MN

National Average Premium State Average Premium Plymouth Average Premium
$1,438 $1,192 $1,563

Top Home Insurance Companies in Plymouth, MN | Back to Top

It is essential to find home insurers that provide the best insurance quotes. vHomeInsurance has rounded up the top home insurance companies in Plymouth, MN.

Company Name Coverage $70,000 Coverage $150,000 Coverage $200,000 Coverage $350,000
Aaa $1,218 $1,461 $1,900 $2,621
Travelers $1,692 $2,030 $2,639 $3,642
Western National $1,176 $1,411 $1,835 $2,532
Liberty Mutual $1,098 $1,318 $1,713 $2,364

Plymouth, MN Homeowners Insurance for Different Coverages | Back to Top

Coverage Type Home Insurance Cost($)
$100,000 To $124,999 412.37
$150,000 To $174,999 746.17
$175,000 To $199,999 799.09
$200,000 To $249,999 956.79
$250,000 To $299,999 1,340.32
$300,000 To $399,999 1,957.03
$400,000 To $499,999 2,306
$500,000 To $749,999 2,951.68
$750,000 To $999,999 3,412.88
$1000,000 To $1499,999 3,758.79
$1500,000 To $2000,000 4,035.51

Visual Guide for Plymouth, MN Home Insurance Buyers on Insurance Companies and Rates

Top Home Insurance Agents Near Plymouth, MN | Back to Top

Home Insurance Company Near Plymouth, MN Homeowners Insurance Agency Near Plymouth, MN Address
Allstate Brady Mickolichek 7760 France Ave S Ste 1010A, Bloomington, MN, 55435
State Farm Gus Anchondo 8800 Highway 7 Ste 300, St Louis Park, MN, 55426-3928
State Farm John Matschke 4874 Highway 61 N, White Bear Lk, MN, 55110-2874
Allstate Monticello Agency 3616 SCHOOL BLVD STE 100, MONTICELLO, MN, 55362
Travelers Time Financial Services Inc 2345 RICE ST STE 223, ROSEVILLE, MN, 55113

List of Plymouth, MN Home Insurance Agents by Companies


Plymouth, MN Homeowners Insurance Rates Based on Claims Filed | Back to Top

Plymouth, MN homeowners who have no previous history of filing for claims are eligible for a discount of $218.82. Plymouth, MN homeowners who have filed one claim previously have to pay an additional home insurance premium of $125, while homeowners who have filed 2 claims previously have to pay an additional $219 on their home insurance rate.

Type of Claim Homeowners Insurance Cost Increase/Decrease($) Homeowners Insurance Cost($)
No Claim Discount -219 1,344
One Claim +125 1,688
Two Claim +219 1,782


Plymouth, MN Homeowners Insurance by Zip Code | Back to Top

Zip Code Median Home Value($) Home Insurance Cost($)
55446 313,300 1,583
55447 308,400 1,454
55442 298,200 1,477
55441 281,600 1,469

Factors Affecting Home Insurance Premiums in Plymouth, MN

The average home insurance premium in Plymouth, MN is $1563. There are multiple factors that affect home insurance rates in Plymouth, MN. vHome Insurance lists the factors that could help homeowners in Plymouth, MN reduce their homeowners insurance rates.

Plymouth, MN Home Insurance Premium Based on the Number of Bedrooms | Back to Top

Bedroom Size Average Homeowners Insurance Cost($)
2 Bedroom 637
3 Bedroom 1,751
4 Bedroom 2,547
5 Bedroom 2,706

Plymouth, MN Home Insurance Premiums for Different Deductibles | Back to Top

Homeowners in Plymouth, MN who pay a low deductible of $500 pay a higher rate on their home insurance premium, while Plymouth, MN homeowners who pay a deductible rate as high as $2500 pay a lower rate on their home insurance premium, as seen in the table below.

Deductible Type Average Homeowners Insurance Cost($)
$500 Deductible 1,544
$1000 Deductible 1,397
$1500 Deductible 1,315
$2000 Deductible 1,194
$2500 Deductible 1,122

Plymouth, MN Homeowners Insurance Premium Based on the Age of the Home | Back to Top

Homeowners in Plymouth, MN pay a much lower home insurance rate if their homes are newly constructed. Homeowners with homes that are older than 50 years pay a much higher rate on their home insurance premium as seen in the table below.

Home Age Homeowners Insurance Cost($)
Newly Constructed Home 1,141
Year 30 Old 1,586
Year 40 Old 1,604
Year 50 Old 1,622
Above Year 50 1,638

Plymouth, MN Homeowners Insurance Cost Based on the Construction Type of the Home | Back to Top

Construction Type Home Insurance Cost Savings($) Home Insurance Cost($)
Fire Resistive 219 1,344
Masonry 78 1,485
Brick 78 1,485
Superior 141 1,422
Hail Resistant Roof 47 1,516

Top Saving Tips on Plymouth, MN Homeowners Insurance | Back to Top

Home insurance companies tend to provide discounts to homeowners based on the construction type of the home. Plymouth, MN homes that are resistant to damage attract more discounts from home insurers. Plymouth, MN homeowners who have bundled their auto insurance and home insurance policies pay lower home insurance premiums. Senior citizens also receive additional discounts from home insurers, in addition to standard discounts. Plymouth, MN homes equipped with safety devices earn substantial discounts, as they are less prone to burglaries.

The tables below contain the complete list of discounts that Plymouth, MN homeowners can take advantage of to increase their savings.

Plymouth, MN Auto & Homeowners Insurance Bundling Discounts and Senior Citizen Discounts

Discount Type Home Insurance Cost Savings($) Home Insurance Cost($)
Bundle Discount 234 1,329
Retiree Discount (Senior Citizen Discount) 219 1,782
Newly Constructed Home 422 1,141

Plymouth, MN Home Insurance Discounts for Home Safety Devices | Back to Top

Home Safety Devices Home Insurance Cost Savings($) Home Insurance Cost($)
Deadbolts 125 1,438
Fire Extinguishers 172 1,391
Smoke Detectors 172 1,391
Sprinkler System 203 1,360
Fire Alarm 141 1,422
Burglar Alarm 141 1,422
Lightning Protection 31 1,532

Latest Home Insurance Reviews

Safeco Insurance
I would definitely recommend this renter's insurance because again, we have had no issues in having it over 5 years and also we have a cheap premium.
Progressive
I recommend Progressive to others because the rates are always the best and we have had no problems with claims.
Progressive
Progressive has been adequate. Though their rates seem a little high, I would rate them a 3, as they covered our barn when it fell.
State Farm
i've had one other policy and the monthly price was close to double that of what i'm paying now. i feel this should be a pretty low monthly cost.
State Farm
State Farm has provided me and my family insurance for several years. They seem to be a good company; however, we have never had to file a claim. That is when you really get to evaluate a company.
Progressive
Their offerings are addequate but that's coming from someone who isn't really sure about other companies offerings. I hate talking to insurance salespeople because they are so pushy.
Geico
I unfortunately dont know what my deductible or premium is compared to other home insurance policies. It was low enough that I didnt care to look elsewhere. I was satisfied
Geico
The premium and deductible of my policy are satisfactory to me compared to other home insurance policies for the same coverage. I would say that the premium and deductible are pretty standard.
State Farm
The provide better coverage than say Geico. Geico maybe cheaper, but the coverage is less than what Sate Farm offers. I appreciate all the coverage for my home and land I can acquire from State Farm.
State Farm
It would probably be best to present offers you have had from other providers to see if they can meet or match the other deals that you can get elsewhere.i think I could have done better,that's what I would recommend.
State Farm
The agents with state farm are knowledgeable and willing to go out of their way to make sure that the coverage suits the need of the client.
Liberty Mutual
While our homeowner insurance premium isn't too high, there are comparable policies that are at a lower cost. i wouldn't mind seeing some sort of discount for loyalty, etc.
Farmer's Insurance
One thing that i do not like about my insurance company is that there are too few self-service options to take advantage of.
American Family
It is very good and nice for getting the amount from of it. Good thought of it. Very nice of it.
State Farm
I DON'T DISLIKE ANYTHING OTHER THAN THE DEDUCTIBLE. THERE SHOULD NOT BE ONE.
Farm Bureau
They currently do not have a mobile app and I cannot view my insurance policy information online. I can only pay my premium.
Progressive
Progressive gives us a discount on our insurance policies because we have auto insurance as well with them. Good Customer Service!
Farm Bureau
I have no problems with State Farm at the time mostly due to my agent. I do not see the need to look for another company and my rates a good.
State Farm
There isn't anything I dislike about the company and I would choose to stay with State Farm if given a choice