Rochester Insurance Rates:

Rochester, MN homeowners insurance is roughly $861 to $1,166, about $71-$97/month. Our extensive guide reveals consumers can save as much as $405 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Progressive
I like the cost and the coverage is great for everything with having in out home. good customer service. my coverage is getting cheaper every year
State Farm
Only after having my policy for two weeks i get a notice that my rate is not correct and that i now owe more money than originally expected.
Travelers
I have had travelers home insurance through geico for about a decade. in that time we had one major claim which was due to a hail storm. the insurance company covered the damage to the roof and the siding. many other neighbors had their insurance companies decline the coverage.

Rochester, MN Homeowners Insurance By Home Value

Rochester, MN Home Value Total Homes % of Total Average Rochester, MN Homeowners Insurance
Less than $50,000 1,421 4.0% $152
$70,000 to $79,999 403 1.0% $456
$80,000 to $89,999 526 1.0% $517
$90,000 to $99,999 920 3.0% $577
$100,000 to $124,999 3,161 10.0% $669
$125,000 to $149,999 5,134 17.0% $841
$150,000 to $174,999 5,257 18.0% $993
$175,000 to $199,999 3,110 10.0% $1145
$200,000 to $249,999 3,780 13.0% $1379
$250,000 to $299,999 2,251 7.0% $1683
$300,000 to $399,999 2,408 8.0% $2139

Top Home Insurance Agents Near Rochester, MN

Home Insurance Company Near Rochester, MN Homeowners Insurance Agency Near Rochester, MN Address
NA Wa Insurance Group 975 34Th Ave, Rochester, MN, 55901
State Farm Don Dietzenbach 309 2nd Ave SW, Cresco, IA, 52136-1843
Travelers Insurance Brokers Of Mn 505 E FRONTAGE RD, BYRON, MN, 55920
Farmers Larry Jungwirth Lutcf 50 W 2nd St Ste 113, Winona, MN, 55987
Liberty Mutual Independent Primary Source Insurance Agency Inc 121 E PARK SQ, OWATONNA, MN, 55060

Cost Of Homeowners Insurance By Street Near Rochester, MN

Streets in Rochester Area Homeowners Insurance Cost
40th Ave NE, Evergreen Dr NW, Sand Trap Rd SE, Arena Dr SE, 24th St NW, Kline Ln SW, 60th Ave NW, Orion St SW, Paradise Ct SW, Robinson Creek Rd SW$1,018
8th Ave SE, Kings Park Rd NW, 12th SE, Edelweiss Ln NW, E United States Highway 52 Frontage Rd NW, Palmer Ln NW, Country Club Rd SE, 8 1/2 Ave SE, Deerhaven Ln NE, Co Rd 154$1,082
110th St, Woodrose Ct SE, 1st St SW, Teakwood Ln SW, 40th Ave SE, 40th St SW, 50th St SW, Cassidy Dr NE, Co Rd 108 SW, Terrace Ln NE$1,053
16 1/2 Ave NW, Valley View Rd SW, Hidden Hollow Ct SE, Canal Pl SE, Co Rd D SE, Northern Valley Dr NE, Hadley Valley Rd, 75th St NW, Stapleton Ln NW, Summerset Ct SE$1,056
Brook Ln SW, 65th St SW, W River Pkwy NW, Covill St SW, 50th Ave S, 42nd Ave SE, Stoneham Ln NW, Co Rd 21 NE, Elton Ridge Ct NW, Maple Dr$1,058
Meadow Lakes Ln NW, Northland Ln, 21st St NE, Peregrine Dr SE, Town Hall Rd NW, Liverpool Pl NW, 40th Ave, 10th Ave NW, Orchard Ct SW, River Heights Ct NW$1,001
20th Ave NE, 110th St SE, Weatherhill Rd SW, Marion Ct SE, Salley Ridge Ln NE, Aune Dr SE, Chenoa Ln SW, Sandcherry Pl NW, 13th St NW, 61st St NW$1,056
Spruce, Center St E, 120th St NW, Tamarack Ln SE, Oakview Ct SE, 60th Ave SW, 70th Ave SW, Marion Pl SE, Neville Ct SE, 23rd St SE$1,061
Manor Dr NW, Greenbriar Rd SW, Prince Dr NW, Co Rd 5 NW, 23rd Ln SE, Red Tail Pl SE, Pheasant Ln NW, Kristin Dr NW, Viola Heights Dr NE, 26th St SE$998
31st St SE, Shorewood Ln NE, Oak Ct SE, 49th St NW, 88th Ave NW, Crystal Bay Ct SW, 3 St NW, Northern Heights Dr NW, Cascade St NW, 47th Ave SE$999

Rochester, MN Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Rochester$151 to $154
Olmsted County$152
Cascade$165
Marion$159

Rochester, 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
Olmsted County, Minnesota $127 $169 $254
Cascade township, Olmsted County, Minnesota $138 $183 $275
Marion township, Olmsted County, Minnesota $133 $177 $265

Rochester, 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
Rochester, MN6%19.0%
Olmsted County5.77%18.24%
Cascade4.39%16.99%
Marion5.27%20.26%

Rochester Renters Insurance as a Percentage of Rent

Rochester Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 221 1.0% $338
$200 to $299 652 5.0% $788
$300 to $499 805 6.0% $1238
$500 to $749 3,811 31.0% $1913
$750 to $999 3,037 25.0% $2663
$1,000 to $1,499 2,455 20.0% $3788
$1,500 or more 940 7.0% $5438

Rochester, MN Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,100$6,100
Yearly Rochester Homeowner Insurance Premium Example $3,400$2,400
Out of Pocket Expense During Claim$1,100$6,100
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $21,500$20,500
Net Savings to Rochester Home Owner from High Deductible Plan $1,000

Rochester, MN Home Insurance Costs With Home Replacement Value Scenarios

Scenario Rochester, MN Home Replacement Value MORE than Home Value Rochester, MN Home Replacement Value LESS than Home Value
Replacement Value $328,000 $235,500
Insurance Premium based on Replacement Value $2,300 $1,650
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $45,000 Risk Exposure from Under Insuring Coverage is $47,500
Premium Impact Insurance cheaper by $325/year Insurance costlier by $325/year

Example Rochester Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyAllstateAmerican Family Insurance
Monthly Premium 67135207
Year Built 199720021972
Home Details 2 Beds, 1 Baths3 Beds, 1 Baths4 Beds, 2 Baths
Coverage Amount $125000-$150000$200000-$250000$300000-$350000
Deductible $1000-$2500 Deductible$500 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1999 75,000 Composition Roof 960 2 $2500-$5000 Deductible 140 3 Stone Siding No
1994 145,000 Metal Roof 1,700 3 $500 Deductible 670 7 Wood siding yes
1967 385,000 Slate Shingles Roof 3,850 5 $2500-$5000 Deductible 130 1 Vinyl siding No
1961 230,000 Shingles Roof 1,980 4 $5000 to $10,000 Deductible 120 1 Brick siding No
1967 265,000 Asphalt Shingles Roof 2,720 4 > $10,000 Deductible 120 1 Stone Siding No
1969 160,000 Shingles Roof 1,890 3 $1000-$2500 Deductible 850 10 Fiber-Cement Siding No
2013 120,000 Tile Roof 1,090 2 $500- $1000 Deductible 300 4 Fiber-Cement Siding No
2005 405,000 Wood Shake Roof 4,070 5 $1000-$2500 Deductible 550 2 Stone Siding yes
2011 110,000 Wood Shake Roof 1,410 2 $1000-$2500 Deductible 190 3 Brick siding yes