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St. Paul, MN Home Values & Insurance Rates

St. Paul, MN Home Value Total Homes % of Total Average 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

Estimated Home Insurance By Street Area Near St. Paul, MN

St. Paul Area Estimated House Insurance
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

Savings on home insurance for senior occupied homes

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

St. Paul, MN 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
Deductible$700$1,700
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

St. Paul, MN Auto & Home Insurance Bundling Discounts

Place 1 Car Bundle Savings 2 Car Bundle Savings 3 Car Bundle Savings
West St. Paul city, Minnesota $155 $206 $309
Falcon Heights city, Minnesota $161 $215 $323
Ramsey County, Minnesota $155 $207 $311

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
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