Stillwater Insurance Rates:

Stillwater, MN homeowners insurance is nearly $898 to $1,226, about $74-$102/month. Our comprehensive guide shows customers can save upto $424 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Latest Home Insurance Reviews

Allstate
I like that I can pay the bill on line, the variety of services offered, the advertisements the office personnel.
Nationwide
very good coverage and good with the home owner.Explaining the coverage and good rates making satisfied costumers . Very pleased

Stillwater, MN Homeowners Insurance By Home Value

Stillwater, MN Home Value Total Homes % of Total Average Stillwater, MN Homeowners Insurance
Less than $50,000 108 2.0% $106
$100,000 to $124,999 106 2.0% $467
$125,000 to $149,999 208 4.0% $584
$150,000 to $174,999 608 13.0% $690
$175,000 to $199,999 462 10.0% $796
$200,000 to $249,999 1,103 24.0% $955
$250,000 to $299,999 815 18.0% $1168
$300,000 to $399,999 987 22.0% $1486

Top Home Insurance Agents Near Stillwater, MN

Home Insurance Company Near Stillwater, MN Homeowners Insurance Agency Near Stillwater, MN Address
Farmers Daniel Enger 5926 167th Ave NW, Ramsey, MN, 55303
Travelers Kim L Brown Inc 1675 KOLFF ST, NEWPORT, MN, 55055
Allstate Michael Polack 4900 Highway 169 N Ste 110, New Hope, MN, 55428
Farmers Nicholas Sacco 6607 18th Ave S Ste 200, Richfield, MN, 55423
State Farm Sarah Debruin 2216 County Road D W Ste F, Saint Paul, MN, 55112-8505

Cost Of Homeowners Insurance By Street Near Stillwater, MN

Streets in Stillwater Area Homeowners Insurance Cost
River Crest Ln, Curve Crest Blvd W, Barons Way, Interlachen Way, Oak Glen Pl, Fairmeadows Rd, Harriet St S, Co Rd 11, Cottage Dr, Hawthorne Ln$1,055
Harriet St S, Atwood Ln, Macey Way, Pawnee Ave, Green Meadow Ct, Burlington St E, Olive St E, 116th St N, Fairy Falls Rd N, Seeley St S$1,123
Oakhill Ave N, Interlachen Dr, Legend Blvd, Hancock St E, Brick St S, Hillcrest Dr, Olive St W, Adeline Green, Rutherford Rd, 6th St S$1,054
Ojibway Ave N, School St E, Laurie Ln, Sherburne St N, Greeley St N, Lydia Cir, Sunny Slope Ln, Mulberry St W, Amundson Cir, Upper 56th St N$1,080
Olive St W, Everett St, Norwood Ave N, Center St S, Maryknoll Dr, Oakridge Rd, Saint Croix Ave W, Stillwater Ave, Pine St E, Hemlock St S$1,044

Stillwater, MN Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Stillwater$158 to $160
Oak Park Heights$156
Houlton$97
Washington County$159

Stillwater, 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
Oak Park Heights city, Minnesota $131 $174 $261
Houlton CDP, Wisconsin $81 $108 $162
Washington County, Minnesota $133 $177 $265

Stillwater, 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
Stillwater, MN4.9%18.0%
Oak Park Heights5.68%17.61%
Houlton2.69%10.64%
Washington County4.88%17.35%

Stillwater Renters Insurance as a Percentage of Rent

Stillwater Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 43 2.0% $321
$200 to $299 118 6.0% $771
$300 to $499 90 5.0% $1221
$500 to $749 238 13.0% $1896
$750 to $999 505 28.0% $2646
$1,000 to $1,499 567 32.0% $3771
$1,500 or more 188 10.0% $5421

Stillwater, MN Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,200$3,200
Yearly Stillwater Homeowner Insurance Premium Example $1,900$1,500
Out of Pocket Expense During Claim$1,200$3,200
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $16,400$15,200
Net Savings to Stillwater Home Owner from High Deductible Plan $1,200

Stillwater, MN Home Insurance Costs With Home Replacement Value Scenarios

Scenario Stillwater, MN Home Replacement Value MORE than Home Value Stillwater, MN Home Replacement Value LESS than Home Value
Replacement Value $279,500 $190,000
Insurance Premium based on Replacement Value $2,650 $1,800
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $28,500 Risk Exposure from Under Insuring Coverage is $61,000
Premium Impact Insurance cheaper by $575/year Insurance costlier by $275/year

Example Stillwater Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company TravelersChubb Group of InsuranceLiberty Mutual
Monthly Premium 434158108
Year Built 200119882010
Home Details 5 Beds, 1 Baths2 Beds, 1 Baths3 Beds, 2 Baths
Coverage Amount $700000-$800000$250000-$300000$200000-$250000
Deductible $1000-$2500 Deductible$500 Deductible$2500-$5000 Deductible

Sample Home Insurance Rates for Stillwater, 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 680,000 Slate Shingles Roof 4,380 5 $500 Deductible 2890 6 Brick siding yes
2012 500,000 Shingles Roof 3,190 5 $500 Deductible 1240 5 Wood siding No
1941 155,000 Tile Roof 1,130 2 $500 Deductible 900 9 Fiber-Cement Siding No
1980 270,000 Membrane Roof 2,380 5 > $10,000 Deductible 400 3 Brick siding yes
2009 180,000 Membrane Roof 1,400 3 $500- $1000 Deductible 690 5 Stucco siding yes
1987 435,000 Metal Roof 3,280 5 > $10,000 Deductible 1650 8 Stone Siding No
2012 185,000 Slate Shingles Roof 1,530 3 $1000-$2500 Deductible 900 9 Fiber-Cement Siding No
2011 210,000 Composition Roof 1,500 2 $2500-$5000 Deductible 250 3 Wood siding No
2005 355,000 Shingles Roof 2,240 4 $1000-$2500 Deductible 240 1 Stucco siding No
1947 200,000 Metal Roof 1,290 3 > $10,000 Deductible 360 4 Wood siding No
2011 205,000 Asphalt Shingles Roof 1,680 2 $1000-$2500 Deductible 90 1 Stone Siding yes
2008 270,000 Composition Roof 2,140 4 $5000 to $10,000 Deductible 670 7 Brick siding yes
2013 275,000 Wood Shake Roof 2,270 3 $2500-$5000 Deductible 120 1 Vinyl siding No
2010 400,000 Asphalt Shingles Roof 3,420 5 > $10,000 Deductible 360 3 Stucco siding yes
2009 225,000 Slate Shingles Roof 1,900 3 $2500-$5000 Deductible 520 4 Stucco siding No
1981 325,000 Composition Roof 3,070 4 $5000 to $10,000 Deductible 1440 9 Stone Siding yes
1985 235,000 Shingles Roof 1,610 2 $5000 to $10,000 Deductible 860 10 Wood siding yes
2010 680,000 Shingles Roof 4,700 5 $2500-$5000 Deductible 670 2 Fiber-Cement Siding No
2011 200,000 Asphalt Shingles Roof 1,570 3 $500- $1000 Deductible 1380 12 Wood siding No
2002 400,000 Slate Shingles Roof 2,650 4 $1000-$2500 Deductible 1150 7 Brick siding yes
1980 140,000 Slate Shingles Roof 1,100 2 $500 Deductible 250 3 Stone Siding No
1940 195,000 Metal Roof 1,740 4 $2500-$5000 Deductible 270 2 Vinyl siding yes
2010 355,000 Tile Roof 2,940 4 $5000 to $10,000 Deductible 380 2 Vinyl siding yes
2012 260,000 Tile Roof 1,670 4 $500 Deductible 880 5 Brick siding No
1986 185,000 Composition Roof 1,350 3 $5000 to $10,000 Deductible 670 10 Fiber-Cement Siding No
1947 270,000 Membrane Roof 1,680 3 $2500-$5000 Deductible 790 6 Fiber-Cement Siding No
2008 210,000 Metal Roof 1,400 2 $2500-$5000 Deductible 240 2 Stucco siding No
1985 610,000 Membrane Roof 4,110 5 $2500-$5000 Deductible 600 2 Stone Siding yes
1986 390,000 Slate Shingles Roof 2,720 5 $5000 to $10,000 Deductible 1160 7 Stucco siding yes
2000 220,000 Slate Shingles Roof 1,990 3 $500 Deductible 1500 12 Wood siding yes
1982 295,000 Tile Roof 1,880 3 $500- $1000 Deductible 1170 5 Fiber-Cement Siding yes