St. Paul Insurance Rates:

St. Paul, MN homeowners insurance is approximately $872 to $1,181, about $72-$98/month. Our detailed analysis reveals consumers can save as much as $410 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Farmer's Insurance
I feel that the coverage and monthly premium for my home insurance coverage is extremely competitive as it relates to other insurance companies.
State Farm
We did not have any problems with them so far. So I would recommend them whoever is looking for insurers in Parlin, NJ. Because these guys are the best.
State Farm
They bundle our home with our auto so the premium is lower than other carriers. The prices are comparable to other carriers and less than a premium carrier.
All insurance companies offer the same coverage and the same choices with no changes. Even fluctuations in price are insignificant because if you describe a competitor's price, each company will adjust their costs.
They've been wonderful! I haven't had any problems with them and they're affordable.
State Farm
The deductible is very affordable and not even out of my price range if anything were to happen. I haven't found any other provider with the same offers.
State Farm
My state farm experience with their customer service is excellent. They are there to answer any questions I have about my policy and are the best priced over anyone else. I rate them as a "5".
Grange Insurance
I like the fact that for a person with bad credit they offer the best rate available and they also do monthly payments which is a plus
I never had to use the premium or deductible for my home insurance so I'd give it a 4.
Farm Bureau
I would recommend Farm Bureau because they make you feel like a person instead of a number. It is almost like you are a part of a family. They have been providers for many generations in my family that I know of.
Universal Property & Casualty Insurance Company
I have never had any situations where I have had to use my insurance, but I feel very comfortable with it and I feel secure if something were to happen out of my control that I needed to use my insurance for.
The homeowners policy accepted my outside metal building for coverage. my previous attempt to get a policy with another company failed because of an outside metal shed. Also bundled my auto policy with Geico.
I feel that the premium and deductibles are about the same as with the other companies we received quotes from
Farmer's Insurance
Farmer's Insurance home renters olicy is rated very low as compared to orogressive home renters insurance. Progressives soesnt rrquire a lot of proof of damage and has not deductible on food soilage done by natural disasters.
American Family Insurance
I would recommend American Family to others for home insurances. I feel that we have a solid policy from a stable company with a good reputation. We have not had a need to contact our agent.American Family was very responsive.
State Farm
State farm has amazing customer service via the call center. all my questions were answered immediately and i was given an accurate quote on the spot.
Overall i would not recommend them to a friend, a little bit research will find you with a cheaper local alternative.
Safeco Insurance
Safeco has been very good mostly because of the price. i have not used it (and hope i never have to) but i have compared periodically over the years and it is consistently the lowest price for the coverage offered.
Liberty Mutual
Other insurance companies might offer the same coverage but liberty mutual offers a trust and family relationship reassuring and sticking to their works.
National General
I have no complaints so far. As long as my premiums stay reasonable I will be satisfied with National General.
State Farm
Again, I assume they'd be open and helpful if I ever contacted them. It seems they have pretty good ratings for customer service.
State Farm
Very affordable but the policy isn't that great. Coverage could be better
I was able to get the insurance through a family friend that is an agent for the company so I know I will always have great customer service.
State Farm
I am neutral about my premium because it is something I have to pay and see it as a necessity more than a want. Therefore I believe I have a fair price and appreciate the work my broker has put into finding me a policy where the premium is reasonable.
Universal Property & Casualty Insurance Company
They do what is suppose to be done. I have not had the opportunity to know how well they perform when a claim is filled..
Their App sucks and their website is clunky. They also don't accept American Express.
I really like the low premium if it wasn't for that I probably wouldn't have them I would look for someone else
Grange Insurance
The only thing I dislike about the company is its essence of being an insurance company. Insurance companies are out to make money off the customers and to pay as little as possible when it comes to claims as a whole.
No I would not this home insurance is just an advertimastied a facade of money laundry practices that i will just not be a part of
I wish we had more coverage and I wish the insurance company would contact us more often.
State Farm
I liked at first that they were convenient to my location. and the starting down payment was low
Farm Bureau
I like that the insurance office is small and I can always get a person on the phone to answer a question. Everyone is knowledgeable and friendly. Phone calls and e-mails are returned promptly.
The premium was pretty low compared to other insurance companies. I did raised my deductible in order to get my rate even lower.

St. Paul, MN Homeowners Insurance By Home Value

St. Paul, MN Home Value Total Homes % of Total Average St. Paul, MN Homeowners Insurance
Less than $50,000 1,568 3.0% $133
$50,000 to $59,999 624 1.0% $277
$60,000 to $69,999 630 1.0% $348
$70,000 to $79,999 889 1.0% $400
$80,000 to $89,999 1,223 2.0% $461
$90,000 to $99,999 1,293 2.0% $513
$100,000 to $124,999 4,711 9.0% $595
$125,000 to $149,999 5,772 11.0% $748
$150,000 to $174,999 8,501 16.0% $882
$175,000 to $199,999 6,615 12.0% $1015
$200,000 to $249,999 9,794 18.0% $1220
$250,000 to $299,999 5,031 9.0% $1497
$300,000 to $399,999 5,390 10.0% $1908

Top Home Insurance Agents Near St. Paul, MN

Home Insurance Company Near St. Paul, MN Homeowners Insurance Agency Near St. Paul, MN Address
NA Henry T. Warner Company 41 N 10Th Ave, Hopkins, MN, 55343
NA Mccray Insurance Agency 8981 Aztec Dr Eden Prairie, Eden Prairie, MN, 55347
State Farm Doug Nguyen 1539 Univ Ave W Ste 101, Saint Paul, MN, 55104-3903
State Farm Jim Kalkes 1870 50th St E Ste 4, Inver Grove, MN, 55077-1270
Allstate Midland Ins Ctr 11979 County Road 11 Ste 271, Burnsville, MN, 55337

St. Paul, MN Home Insurance Agents for Top Companies

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

Streets in St. Paul Area Homeowners Insurance Cost
Washington St, Como Ave W, Stanford Ave, Otis Ave, Coach Rd, Selby Ave W, Michael St, Colvin Ave, Co Hwy 37, Prosperity Ave$1,015
Boyd Ave, W Armstrong Ave, N Ryde St, Mulberry St, Upper Afton Rd, Nortonia Ave, Long Ave, Stanford Ct, Old Maryland Ave, Shepard Rd W$1,024
N Brompton St, Mystic St, Cottage Ave E, N Capitol Hts, N Maria Ave, Edgebrook Ave, S Grotto St, Delano Pl, W Benson Ave, E Ames Ave$1,028
Carling Dr, Susan Ave, Topping St, N Pine St, Lafayette Rd S, N Minnesota St, N Capitol Blvd, Macalester Walk, W 10th St, Jackson St N$1,017
E Sandralee Dr, N Cohansey St, Dousman St, E 13th St, Fair Pl W, Pedersen St, US Hwy 10, Herschel St, Matilda, Horton Ave W$1,023
S Pascal Ave, W Superior St, E Curtice St, W Armstrong Ave, Wynne Ave, Howell St S, E Utica Ave, W George St, W Tuscarora Ave, W Litchfield St$1,022
Morton St E, Maynard Dr, Park Ridge Ct, Co Hwy 35, Englewood Ave, John Ireland Blvd, W Bay Ln, Smith Ave S, E Hoyt Ave, Edgemont St$1,043
River Park Plz, Milton St S, Sumner St, Territorial Rd, W Graham Ave, Benhill Rd, Banfil St, Holton St, E Lacrosse Ave, E 9th St$1,039
Russell St, Norfolk Ave, Hall Ln, N Huron St, N Walnut St, Darlene St, Dayton Ave W, S Douglas St, W Wayzata St, Darlene Ct$1,015
E Mechanic Ave, Chester St, Scudder St, Elsie Ln, E Suburban Ave, Euclid St E, Bayard Ave, S Duebener Pl, N Grantham St, W Parkview Ave$1,109

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

PlaceSavings For Senior Occupied Homes
St. Paul$153 to $156
West St. Paul$154
Falcon Heights$161
Ramsey County$155

St. Paul, 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
West St. Paul city, Minnesota $155 $206 $309
Falcon Heights city, Minnesota $161 $215 $323
Ramsey County, Minnesota $155 $207 $311

St. Paul, 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. Paul, MN5.5%17.5%
West St. Paul5.73%18.38%
Falcon Heights4.64%14.63%
Ramsey County5.35%17.03%

St. Paul Renters Insurance as a Percentage of Rent

St. Paul Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 2,068 3.0% $333
$200 to $299 3,147 5.0% $783
$300 to $499 3,942 7.0% $1233
$500 to $749 14,655 27.0% $1908
$750 to $999 15,364 28.0% $2658
$1,000 to $1,499 11,263 21.0% $3783
$1,500 or more 2,997 5.0% $5433

St. Paul, MN Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly St. Paul Homeowner Insurance Premium Example $1,100$600
Out of Pocket Expense During Claim$700$1,700
Total Home Insurance Premium for 3 years + Out of Pocket Expense for Claim $4,000$3,500
Net Savings to St. Paul Home Owner from High Deductible Plan $500

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

Scenario St. Paul, MN Home Replacement Value MORE than Home Value St. Paul, MN Home Replacement Value LESS than Home Value
Replacement Value $416,000 $238,500
Insurance Premium based on Replacement Value $2,750 $1,575
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $102,500 Risk Exposure from Under Insuring Coverage is $75,000
Premium Impact Insurance cheaper by $500/year Insurance costlier by $675/year

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

Insurance Company Nationwide InsuranceChubb Group of InsuranceState Farm
Monthly Premium 6399130
Year Built 196619461989
Home Details 3 Beds, 2 Baths5 Beds, 4 Baths4 Beds, 1 Baths
Coverage Amount $150000-$175000$300000-$350000$300000-$350000
Deductible $5000 to $10,000 Deductible> $10,000 Deductible> $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1966 180,000 Wood Shake Roof 1,730 3 $1000-$2500 Deductible 1330 10 Vinyl siding yes
1967 220,000 Shingles Roof 2,070 3 $2500-$5000 Deductible 650 6 Wood siding yes
1968 165,000 Tile Roof 1,810 3 $500 Deductible 1110 9 Stone Siding No
1985 145,000 Wood Shake Roof 1,630 4 $2500-$5000 Deductible 540 8 Fiber-Cement Siding No
1983 285,000 Composition Roof 2,570 4 $2500-$5000 Deductible 920 10 Fiber-Cement Siding No
1948 170,000 Membrane Roof 1,830 3 $500 Deductible 310 3 Fiber-Cement Siding yes
1964 150,000 Metal Roof 1,690 2 $500- $1000 Deductible 590 8 Stone Siding No
1945 110,000 Asphalt Shingles Roof 1,170 2 $2500-$5000 Deductible 420 12 Vinyl siding yes
1989 130,000 Composition Roof 1,470 3 $500- $1000 Deductible 610 8 Fiber-Cement Siding No
1966 185,000 Membrane Roof 1,850 4 $2500-$5000 Deductible 590 8 Vinyl siding No
1949 405,000 Membrane Roof 4,200 5 $5000 to $10,000 Deductible 560 3 Stucco siding yes
1943 130,000 Composition Roof 1,350 2 $1000-$2500 Deductible 790 9 Stone Siding No
1988 120,000 Membrane Roof 1,050 2 $1000-$2500 Deductible 70 1 Vinyl siding yes
1964 245,000 Wood Shake Roof 2,130 3 $500 Deductible 1520 9 Fiber-Cement Siding yes
1945 115,000 Membrane Roof 1,010 2 $2500-$5000 Deductible 50 1 Stone Siding No
1947 345,000 Tile Roof 2,790 4 $500 Deductible 1060 7 Wood siding yes
1942 175,000 Tile Roof 1,710 3 $1000-$2500 Deductible 590 9 Vinyl siding No
1968 310,000 Shingles Roof 3,070 5 $2500-$5000 Deductible 470 4 Stucco siding No
1960 205,000 Tile Roof 2,080 4 $5000 to $10,000 Deductible 620 8 Wood siding No
1969 160,000 Tile Roof 1,300 3 $500- $1000 Deductible 940 8 Wood siding yes
1980 170,000 Slate Shingles Roof 1,880 4 $2500-$5000 Deductible 1020 12 Vinyl siding yes
1940 245,000 Composition Roof 2,310 3 $2500-$5000 Deductible 560 5 Wood siding No
1941 150,000 Asphalt Shingles Roof 1,440 3 $500- $1000 Deductible 160 2 Fiber-Cement Siding yes
1942 145,000 Metal Roof 1,520 5 $2500-$5000 Deductible 490 8 Stone Siding No
1961 120,000 Composition Roof 1,300 3 $1000-$2500 Deductible 300 4 Wood siding yes
1986 180,000 Metal Roof 2,050 3 $1000-$2500 Deductible 1180 12 Stone Siding yes
1980 350,000 Metal Roof 2,800 4 $500 Deductible 620 3 Stucco siding yes
1966 130,000 Wood Shake Roof 1,010 2 $500- $1000 Deductible 180 3 Stone Siding yes
1965 170,000 Shingles Roof 1,700 2 $500- $1000 Deductible 540 8 Stone Siding yes
1955 125,000 Tile Roof 957 2 $2500-$5000 Deductible 1100 10 Stone Siding yes

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