St. Cloud Insurance Rates:

St. Cloud, MN homeowners insurance is roughly $854 to $1,158, about $71-$96/month. Our complete analysis shows customers can save as much as $402 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
I liked that state farm has different types of insurance, so when i was shopping i could get multiple types with the same company to make things easier.
Farmer's Insurance
Farmers insurance has always taken care of me and my family when things happen. as a whole, the company does take care of you and would recommend them to others.
State Farm
When it comes to house damage, they are very easy to work with. we have always had someone there to check the issue out and very quickly we would be issued a check with little doubt/questions asked.
Allstate
They do not really reward loyalty. I have been a customer for a long time and instead of being rewarded my premium has gone up a little each year. They also automatically renew your premium at a super high rate unless you login and cancel the renewal and then contact them to negotiate the rate. It's sneaky but seems standard in the insurance business today.
Travelers
I shopped around for insurance and this wound up giving me the most coverage with the cheapest premium so I think that is the best for me.
Fairmont Farmers Mutual
I do not like the price of the insurance and I do not like the fact that they do not have bimonthly billing.
Geico
My rates keep going up even though I have not yet had a claim with them. It make me mad!
Farm Bureau
They have served my claims on time and been ready to answer questions. They haven't hiked my rates or been on top of me to change things, get things they want me to, etc. They have overall been a decent company with which to work.
State Farm
I am always able to get an immediate response to any claim or questions I have about my coverage either from my agent or one of his representatives, even outside of normal business hours.

St. Cloud, MN Homeowners Insurance By Home Value

St. Cloud, MN Home Value Total Homes % of Total Average St. Cloud, MN Homeowners Insurance
Less than $50,000 628 4.0% $160
$70,000 to $79,999 282 2.0% $492
$80,000 to $89,999 349 2.0% $553
$90,000 to $99,999 549 4.0% $623
$100,000 to $124,999 2,264 16.0% $724
$125,000 to $149,999 2,556 18.0% $905
$150,000 to $174,999 2,453 18.0% $1076
$175,000 to $199,999 1,428 10.0% $1237
$200,000 to $249,999 1,471 10.0% $1488
$250,000 to $299,999 674 4.0% $1820
$300,000 to $399,999 798 5.0% $2313

Top Home Insurance Agents Near St. Cloud, MN

Home Insurance Company Near St. Cloud, MN Homeowners Insurance Agency Near St. Cloud, MN Address
NA Mattila Insurance Agency, Inc. 11886 36Th Cir Ne Saint Michael, St. Michael, MN, 55376
State Farm Chuck Swenson 227 Main St S, Cambridge, MN, 55008-1543
Travelers First National Agency PO BOX 416, COLD SPRING, MN, 56320
State Farm Kyle Hedtke 818 2nd St S Ste 140, Waite Park, MN, 56387-9807
Liberty Mutual Independent Oakwood Insurance Agency Inc 7862 Parrish Ave Ne, Otsego, MN, 55330

Cost Of Homeowners Insurance By Street Near St. Cloud, MN

Streets in St. Cloud Area Homeowners Insurance Cost
Apollo Ave NE, Greenway Cir NE, 5th Ave SE, Perennial Ln NE, Ash St, Cherry Ln, Sycamore Rd SE, 7th St NE, 3rd Ave NE, Meridian Ave NE$985
Natures Way, 75th Ave NE, Fairway Ln, Royalwood Ct NE, 30th St NE, 110th Ave NE, 71st Ave NE, 45th Ave NE, Plum Ct NE, 3rd St SE$1,034
Wilson Ave NE, Lincoln Ave NE, Quail Rd NE, Maple Ct, Co Rd 8, 20th Ave NE, 47th Ave NE, 75th Ave SE, Division St E, Perennial Ct NE$989
16th Ave SE, 4th St Loop NE, 92nd Ave NE, 4 1/2 St NE, Duelm Rd NE, Mockingbird Rd NE, Payton Ct NE, 12th St S, Raymond Ave NE, 15th Ave SE$988
Front St NE, 23rd Ave NE, Co Hwy 47, Minden Twp 9, 45th St NE, Co Rd 48, 29th Ave NE, 95th Ave NE, 1st St NE, 24 1/2 Ave NE$1,034

St. Cloud, MN Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
St. Cloud$150 to $153
Waite Park$150
Haven$159
Sauk Rapids$151

St. Cloud, 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
Waite Park city, Minnesota $126 $167 $251
Haven township, Sherburne County, Minnesota $133 $177 $266
Sauk Rapids city, Minnesota $126 $167 $251

St. Cloud, 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
St. Cloud, MN6.6%20.6%
Waite Park6.51%22.27%
Haven5.96%19.49%
Sauk Rapids6.17%17.89%

St. Cloud Renters Insurance as a Percentage of Rent

St. Cloud Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 335 2.0% $341
$200 to $299 369 3.0% $791
$300 to $499 1,316 11.0% $1241
$500 to $749 4,954 42.0% $1916
$750 to $999 2,741 23.0% $2666
$1,000 to $1,499 1,634 13.0% $3791
$1,500 or more 401 3.0% $5441

St. Cloud, MN Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$2,600
Yearly St. Cloud Homeowner Insurance Premium Example $2,500$2,100
Out of Pocket Expense During Claim$600$2,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $20,600$19,400
Net Savings to St. Cloud Home Owner from High Deductible Plan $1,200

St. Cloud, MN Home Insurance Costs With Home Replacement Value Scenarios

Scenario St. Cloud, MN Home Replacement Value MORE than Home Value St. Cloud, MN Home Replacement Value LESS than Home Value
Replacement Value $127,000 $91,000
Insurance Premium based on Replacement Value $975 $700
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $24,500 Risk Exposure from Under Insuring Coverage is $11,500
Premium Impact Insurance cheaper by $100/year Insurance costlier by $175/year

Example St. Cloud Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceAmica Mutual Insurance CompanyTravelers
Monthly Premium 23312778
Year Built 198320052014
Home Details 5 Beds, 3 Baths4 Beds, 2 Baths2 Beds, 1 Baths
Coverage Amount $400000-$500000$200000-$250000$125000-$150000
Deductible $2500-$5000 Deductible$2500-$5000 Deductible$500- $1000 Deductible

Sample Home Insurance Rates for St. Cloud, MN from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1994 205,000 Composition Roof 2,250 4 $2500-$5000 Deductible 1600 12 Stucco siding yes
2013 105,000 Membrane Roof 1,340 2 $1000-$2500 Deductible 420 8 Stone Siding No
2010 155,000 Slate Shingles Roof 1,410 2 $500- $1000 Deductible 250 3 Brick siding yes
1997 150,000 Wood Shake Roof 1,780 2 $500 Deductible 110 1 Vinyl siding No
1984 230,000 Composition Roof 2,520 4 > $10,000 Deductible 130 2 Fiber-Cement Siding yes
1943 260,000 Shingles Roof 2,400 4 $2500-$5000 Deductible 1460 12 Wood siding yes
2012 145,000 Membrane Roof 1,720 2 $500- $1000 Deductible 410 5 Wood siding No
1961 190,000 Metal Roof 1,740 4 $5000 to $10,000 Deductible 310 4 Brick siding yes
1995 105,000 Membrane Roof 1,240 3 $500 Deductible 90 1 Stone Siding No
1963 285,000 Wood Shake Roof 2,740 4 $2500-$5000 Deductible 1170 10 Vinyl siding No
1991 390,000 Metal Roof 4,520 5 $500- $1000 Deductible 1870 7 Stone Siding No
1968 200,000 Metal Roof 2,040 4 $1000-$2500 Deductible 210 2 Wood siding yes
1980 225,000 Membrane Roof 2,120 4 $500- $1000 Deductible 800 5 Wood siding No
1941 405,000 Wood Shake Roof 4,470 5 $1000-$2500 Deductible 1070 6 Stucco siding No
1960 120,000 Shingles Roof 1,380 3 $500- $1000 Deductible 530 9 Brick siding No
2014 110,000 Metal Roof 1,100 2 $500- $1000 Deductible 320 5 Stone Siding yes
2005 140,000 Metal Roof 1,650 4 $500- $1000 Deductible 330 4 Brick siding yes
1962 155,000 Composition Roof 1,810 5 $500- $1000 Deductible 640 6 Wood siding No
2012 100,000 Membrane Roof 1,160 2 $2500-$5000 Deductible 620 10 Stone Siding yes
1975 130,000 Slate Shingles Roof 1,330 3 $2500-$5000 Deductible 90 2 Fiber-Cement Siding yes
2014 140,000 Asphalt Shingles Roof 1,580 2 $1000-$2500 Deductible 740 12 Fiber-Cement Siding yes
1991 85,000 Membrane Roof 1,130 2 $500- $1000 Deductible 240 5 Stucco siding No
1943 255,000 Metal Roof 3,050 5 $1000-$2500 Deductible 510 4 Wood siding yes
1961 140,000 Composition Roof 1,610 4 $1000-$2500 Deductible 920 9 Vinyl siding yes
2010 170,000 Composition Roof 1,890 3 $2500-$5000 Deductible 740 10 Fiber-Cement Siding yes
1971 155,000 Asphalt Shingles Roof 1,690 2 $1000-$2500 Deductible 750 8 Stucco siding yes
2014 325,000 Metal Roof 4,480 5 $2500-$5000 Deductible 770 5 Fiber-Cement Siding yes
2013 240,000 Composition Roof 2,660 4 $1000-$2500 Deductible 770 6 Stone Siding yes
2014 95,000 Shingles Roof 1,160 2 $500 Deductible 200 3 Stone Siding No
1997 315,000 Composition Roof 2,880 5 $500- $1000 Deductible 1280 5 Brick siding yes