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

Fairmont Farmers Mutual
I would recommend them to anyone looking for a reasonable deal but with great customer service that is willing to work with you.
Integrity Insurance
I would definitely recommend this company because they have better coverage for lower costs and are willing to work with their customers to make sure they are getting the best rate possible.
Liberty Mutual
I would recommend them because they are helpful and the service is good thus far. I would still let people know they should shop around however as I might not be getting the best price
State Farm
I would recommend them for the reason I stated above. The fact that they quickly took care of my house after hail storm and noticed and mentioned things that they could have let slide.
it is affordable. progressive home insurance is among the best insurance company in Seattle. They do a great jobs in all aspects. I have been with them for a while now and I feel they know what i want.
I had been with Geico for a number of years before I got my home and was using them for the auto insurance and had only good things to say about them from that, so stuck with them for the home insurance.
I have a very low deductible but my premium is still low. I pay less than my neighbors who have the same house as me.
Integrity Insurance
I would recommend them because you get what every other company offers at a fraction of the price. There is no reason a logical person should not pick them,
I like this insurance company so much because they really do good care for their customers.
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.
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.
The website is well organized and easy to use. I am able to find the information very easily and clear any doubts.
The price is good and I have had no issues with them yet so I will keep using them until I find a better price.
American General
We have always had a good relationship with our broker and the company itself. We can call and talk to him or an operator at any time and have always been able to get a good deal with them when necessary.
Liberty Mutual
I would think the premium is on par with other local insurance companies. I have shopped around.
Fairmont Farmers Mutual
They are very competitive and offer a good price. However, I think that overall the insurance industry has "bloated" profits.
Farm Bureau
I dislike that I don't know my agent on a personal level.
Liberty Mutual
This goes in with customer service, but I have never missed a communication with my company. They always call back, I receive timely notices of when my bills are due, and I do get offers in the email, but never to the point where I feel like they are spamming me.
I have not had my homeowner insurance for very long but I believe they are a good company. I have had to use roadside assistance for my vehicle with them and they did a great job.
Farm Bureau
I think the company is great. I would recommend it to all. I have friends that have nightmare expr with their companies and I have not had that experience.
American Family
No negative experiences with them to this point to speak of. we have been very happy with them!
Farmer's Insurance
I like that they are responsive and have always been good with claims and no issues as far as raising my rates because of a claim.
State Farm
very attentive customer service on the phone and they follow up via email and phone with any changes or questions.
I would recommend them because even though they are a big company, they still have you in their thoughts. If you call them you aren't on hold very long which is a plus.
Liberty Mutual
I would recommend this company for home insurance because they are amazing. They are personable and their customer service is one of the best in the area.
I have already recommended Lemonade to others. The highlights of my recommendation included the ease of using the app, as well as the reasonable prices and coverage.
The premium of our policy is much cheaper than others because they took the fire hydrant and fire station being so close into consideration.
The company has been was easy to work with. I have had no problems.
If there ever was anything to dislike it would be the due date of my bill but that is simple and I can change that on my own. I love the company I use.
State Farm
I would definitely recommend this company to others for home insurance coverage. I have found this company to be dependable, fast and efficient to handle your call and your case.

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

Rochester, MN Home Insurance Agents for Top Companies

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

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%

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
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
1986 130,000 Metal Roof 1,420 3 $1000-$2500 Deductible 590 9 Vinyl siding No
1993 205,000 Metal Roof 2,460 4 $500 Deductible 140 1 Brick siding yes
1992 135,000 Tile Roof 1,400 3 $2500-$5000 Deductible 900 12 Stone Siding yes
1980 460,000 Metal Roof 4,580 5 $2500-$5000 Deductible 840 4 Stone Siding No
2009 190,000 Membrane Roof 2,170 3 $2500-$5000 Deductible 1300 12 Vinyl siding No
2012 390,000 Tile Roof 4,590 5 $1000-$2500 Deductible 650 3 Vinyl siding yes
1971 195,000 Metal Roof 2,150 3 $1000-$2500 Deductible 350 3 Brick siding yes
1961 370,000 Asphalt Shingles Roof 3,230 4 $5000 to $10,000 Deductible 690 4 Wood siding yes
1969 160,000 Membrane Roof 1,470 3 $5000 to $10,000 Deductible 590 8 Fiber-Cement Siding No
1967 135,000 Asphalt Shingles Roof 1,530 3 $1000-$2500 Deductible 440 4 Stucco siding yes
2001 170,000 Shingles Roof 1,690 2 $500 Deductible 210 2 Stucco siding yes
2012 110,000 Asphalt Shingles Roof 1,250 2 $500- $1000 Deductible 250 3 Fiber-Cement Siding No
1975 465,000 Membrane Roof 4,320 5 $500- $1000 Deductible 220 1 Wood siding yes
2007 295,000 Wood Shake Roof 2,540 4 $2500-$5000 Deductible 440 3 Vinyl siding yes
1975 370,000 Wood Shake Roof 3,300 4 $5000 to $10,000 Deductible 1420 10 Vinyl siding yes
1963 145,000 Composition Roof 1,550 2 $2500-$5000 Deductible 190 3 Brick siding No
1978 165,000 Asphalt Shingles Roof 1,710 4 $500- $1000 Deductible 670 7 Vinyl siding No
2007 210,000 Composition Roof 2,310 3 $2500-$5000 Deductible 470 5 Stucco siding yes
2013 220,000 Asphalt Shingles Roof 1,910 3 $500 Deductible 1390 8 Stucco siding No
2007 430,000 Metal Roof 4,570 5 $5000 to $10,000 Deductible 1620 12 Fiber-Cement Siding yes
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

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