Prior Lake Insurance Rates:

Prior Lake, MN homeowners insurance is nearly $910 to $1,243, about $75-$103/month. Our all inclusive guide indicates shoppers can save upto $430 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Amica Mutual Insurance
I like the fact that when i have filed a claim they are quick to respond, and very thorough when responding.
Progressive
The online aspect of the company really makes it easy to get the information about your plan easy to get, but sometimes i find interaction with a human to be preferable, which takes some effort to get.
Farmer's Insurance
I feel like the software inside the offices are outdated they definitely need a refresh to improve work productivity inside.
Allstate
Overall, I have dealt with other insurance companies in the past and it was a terrible experience. My new company or current company I should say are a pleasure to deal with.
Liberty Mutual
I have been with Liberty Mutual for many years and they offer the best bundle discounts. The premium covers a wide range of coverage.
Grange Insurance
I love my company's website. I can pay right from that site and enjoy the fact that my payment is applied instantly.
Country Financial
I can't really say because I have never used their website or app, I always deal directly with the agent. Therefore I'm not in a position to judge. I think its likely fine though, similar to others.
First National Insurance
They offer a compelling value package when combined with auto insurance. They are quick to respond and have answers when I need them.

Prior Lake, MN Homeowners Insurance By Home Value

Prior Lake, MN Home Value Total Homes % of Total Average Prior Lake, MN Homeowners Insurance
Less than $50,000 65 1.0% $96
$60,000 to $69,999 61 1.0% $247
$100,000 to $124,999 127 2.0% $420
$125,000 to $149,999 260 4.0% $527
$150,000 to $174,999 565 10.0% $624
$175,000 to $199,999 475 8.0% $732
$200,000 to $249,999 1,403 26.0% $872
$250,000 to $299,999 896 16.0% $1077
$300,000 to $399,999 1,372 25.0% $1367

Top Home Insurance Agents Near Prior Lake, MN

Home Insurance Company Near Prior Lake, MN Homeowners Insurance Agency Near Prior Lake, MN Address
Farmers Daniel Oliver 7400 Metro Blvd Ste 335, Edina, MN, 55439
Travelers E M Insurance Agency 2574 RICE ST, ST PAUL, MN, 55113
Farmers Elizabeth "Liz" Barrett 815 E 56th St, Minneapolis, MN, 55417
Travelers Hays Companies 80 S 8Th St, Ste 700, Minneapolis, MN, 55402
State Farm John Matschke 4874 Highway 61 N, White Bear Lk, MN, 55110-2874

Cost Of Homeowners Insurance By Street Near Prior Lake, MN

Streets in Prior Lake Area Homeowners Insurance Cost
Carriage Hill Rd NE, Meadowlark Ln, Buck Lake Cir, Pine Rd NE, Jeffers Ct NW, Vale Cir SW, Green Heights Trl SW, Frontier Ln, Dakota Trl NW, Indian Ridge Cir SE$1,163
Dakota Trl N, Seagull Cir NE, Raspberry Ridge Rd NE, Woodland Cir NW, Village Lake Dr, Preserve Blvd, Panama Ave, Harbor Pl NE, Otherday Cir NW, Fox Run NW$1,155
Crest Ave NE, Eagle Creek Ave SE, Brookside Ln, Watersedge Trl NE, Hampshire Dr, Casey Pkwy, Halifax Ln, Overlook Circle S E, Overlook Cir SE, Big Horn Pass$1,149
189th St E, Viewcrest Cir NW, Victoria Rd, Sunray Cir SW, Callander Cir, Country Squires Cir, Maves Trl SE, Northwood Rd NW, 165th St NW, Co Rd 81$1,165
Haas Lake Cir NW, Dakota Trl E, Forsythe Rd SE, Industrial Cir S, Lone Oak Ct, Doonbey Cir, Cambridge Cir, Langford Way, E 220th St, 180th St E$1,166

Prior Lake, MN Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Prior Lake$160 to $162
Shakopee$156
Spring Lake$173
Savage$160

Prior Lake, 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
Shakopee city, Minnesota $130 $173 $260
Spring Lake township, Scott County, Minnesota $145 $193 $289
Savage city, Minnesota $133 $177 $266

Prior Lake, 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
Prior Lake, MN4.5%15.1%
Shakopee4.89%18.49%
Spring Lake3.96%15.99%
Savage4.55%16.94%

Prior Lake Renters Insurance as a Percentage of Rent

Prior Lake Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 60 4.0% $765
$300 to $499 47 3.0% $1215
$500 to $749 185 14.0% $1890
$750 to $999 301 24.0% $2640
$1,000 to $1,499 313 25.0% $3765
$1,500 or more 341 27.0% $5415

Prior Lake, MN Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,800$5,800
Yearly Prior Lake Homeowner Insurance Premium Example $2,300$1,500
Out of Pocket Expense During Claim$1,800$5,800
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $17,900$16,300
Net Savings to Prior Lake Home Owner from High Deductible Plan $1,600

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

Scenario Prior Lake, MN Home Replacement Value MORE than Home Value Prior Lake, MN Home Replacement Value LESS than Home Value
Replacement Value $324,000 $185,000
Insurance Premium based on Replacement Value $2,725 $1,550
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $72,000 Risk Exposure from Under Insuring Coverage is $67,000
Premium Impact Insurance cheaper by $575/year Insurance costlier by $600/year

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

Insurance Company Chubb Group of InsuranceAllstateAmica Mutual Insurance Company
Monthly Premium 9392352
Year Built 199220031980
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths5 Beds, 4 Baths
Coverage Amount $175000-$200000$250000-$300000$400000-$500000
Deductible $500- $1000 Deductible$5000 to $10,000 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1988 610,000 Shingles Roof 3,870 5 > $10,000 Deductible 1540 8 Fiber-Cement Siding yes
2008 515,000 Membrane Roof 3,580 5 $5000 to $10,000 Deductible 1480 6 Brick siding yes
1982 150,000 Composition Roof 1,250 3 $500 Deductible 960 8 Stone Siding No
2014 580,000 Wood Shake Roof 3,690 5 $2500-$5000 Deductible 2500 10 Stone Siding No
1985 490,000 Slate Shingles Roof 2,860 4 > $10,000 Deductible 750 4 Fiber-Cement Siding No
2008 310,000 Tile Roof 2,280 5 $500 Deductible 1900 8 Stucco siding yes
1986 175,000 Slate Shingles Roof 1,380 3 $5000 to $10,000 Deductible 340 5 Stucco siding No
1987 275,000 Composition Roof 2,380 3 $2500-$5000 Deductible 120 1 Brick siding No
1985 440,000 Composition Roof 3,480 5 $5000 to $10,000 Deductible 200 1 Wood siding yes
2000 345,000 Metal Roof 2,170 4 $1000-$2500 Deductible 180 1 Stucco siding No
2001 220,000 Shingles Roof 1,430 3 $500- $1000 Deductible 770 5 Fiber-Cement Siding yes
1982 230,000 Slate Shingles Roof 1,840 5 $5000 to $10,000 Deductible 1290 10 Vinyl siding yes
1980 310,000 Slate Shingles Roof 2,530 4 > $10,000 Deductible 470 6 Fiber-Cement Siding No
1982 230,000 Slate Shingles Roof 1,650 4 $1000-$2500 Deductible 1330 10 Fiber-Cement Siding No
2014 195,000 Membrane Roof 1,620 3 $5000 to $10,000 Deductible 410 6 Stucco siding No
2014 480,000 Composition Roof 3,490 5 $2500-$5000 Deductible 1080 5 Wood siding No
1985 200,000 Composition Roof 1,740 3 $1000-$2500 Deductible 920 9 Stone Siding No
2011 185,000 Metal Roof 1,440 3 $500- $1000 Deductible 330 3 Stucco siding No
1983 255,000 Membrane Roof 1,920 5 $2500-$5000 Deductible 100 1 Brick siding No
1982 350,000 Slate Shingles Roof 2,160 5 $2500-$5000 Deductible 700 6 Stucco siding No