Waconia Insurance Rates:

Waconia, MN homeowners insurance is approximately $893 to $1,222, about $74-$101/month. Our thorough guide reveals consumers can save as much as $422 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Waconia, MN Homeowners Insurance By Home Value

Waconia, MN Home Value Total Homes % of Total Average Waconia, MN Homeowners Insurance
Less than $50,000 37 1.0% $105
$90,000 to $99,999 35 1.0% $412
$100,000 to $124,999 272 9.0% $475
$125,000 to $149,999 128 4.0% $591
$150,000 to $174,999 314 10.0% $708
$175,000 to $199,999 218 7.0% $813
$200,000 to $249,999 675 23.0% $983
$250,000 to $299,999 662 22.0% $1204
$300,000 to $399,999 564 19.0% $1522

Top Home Insurance Agents Near Waconia, MN

Home Insurance Company Near Waconia, MN Homeowners Insurance Agency Near Waconia, MN Address
NA Oakwood Insurance Agency, Inc. 8305 Asiatic Ave Inver Grove Heights, Inver Grove Heights, MN, 55077
Farmers Diane Hanzal 750 S Plaza Dr Ste 100, Mendota Heights, MN, 55120
Liberty Mutual Gordon Brown 701 Xenia Ave. S Ste 400, Minneapolis, MN, 55416
Travelers Ray Smith Insurance Agency Inc 6900 Wedgewood Rd Ste 302 Maple Grove, Maple Grove, MN, 55311
Allstate Schwake Agency 9448 Lyndale Ave S Ste 203, Bloomington, MN, 55420

Cost Of Homeowners Insurance By Street Near Waconia, MN

Streets in Waconia Area Homeowners Insurance Cost
Field Dr, Abbywood Ln, Spring Hill Rd, 106th St, Larkspur Ln, Acorn Run, Fieldstone Pkwy, Pierson Lake Rd, Bluebird Dr, Rutz Lake Rd$1,171
Fountain Ln, Carriage Dr, Pond Ln, Fieldstone Dr, Abby Wood Ln, Moccasin Dr, Red Fox Dr, W Lake St, Alva St, Parley Lake Rd$1,185
S Walnut St, Guernsey Ave, Eagle Dr, N Fairway Pt, Industrial Blvd, Pine Sq, Dana Cir, Paul Ave, Goldfinch Dr, Courtland Rd E$1,053
N Shore Rd, Lakewood Cir, Orchard Rd, Goose Lake Dr, Jan View Ln, Interlaken Pkwy, S Elm St, Parley Lake Ln, Red Oak Dr, S Cherry St$1,185
N Pine St, Trillium Ln, Co Rd 155, Meadow Way, Gary Ave, Ravencroft Rd, Cardinal Dr, Juniper Ave, Stein Cir, Spruce St$1,166

Waconia, MN Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Waconia$157 to $159
Carver County$161
Laketown$170
Cologne$155

Waconia, 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
Carver County, Minnesota $134 $179 $268
Laketown township, Carver County, Minnesota $142 $189 $283
Cologne city, Minnesota $130 $173 $259

Waconia, 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
Waconia, MN4.7%18.4%
Carver County4.45%16.14%
Laketown4.09%13.82%
Cologne4.96%20.12%

Waconia Renters Insurance as a Percentage of Rent

Waconia Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 24 3.0% $323
$200 to $299 14 1.0% $773
$300 to $499 175 24.0% $1223
$500 to $749 149 21.0% $1898
$750 to $999 140 19.0% $2648
$1,000 to $1,499 121 17.0% $3773
$1,500 or more 84 11.0% $5423

Waconia, MN Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,300$4,300
Yearly Waconia Homeowner Insurance Premium Example $1,700$1,200
Out of Pocket Expense During Claim$1,300$4,300
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $13,200$12,700
Net Savings to Waconia Home Owner from High Deductible Plan $500

Waconia, MN Home Insurance Costs With Home Replacement Value Scenarios

Scenario Waconia, MN Home Replacement Value MORE than Home Value Waconia, MN Home Replacement Value LESS than Home Value
Replacement Value $275,500 $213,000
Insurance Premium based on Replacement Value $2,375 $1,825
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $37,500 Risk Exposure from Under Insuring Coverage is $25,000
Premium Impact Insurance cheaper by $225/year Insurance costlier by $325/year

Example Waconia Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyChubb Group of InsuranceTravelers
Monthly Premium 9193142
Year Built 200920132005
Home Details 5 Beds, 1 Baths3 Beds, 1 Baths4 Beds, 3 Baths
Coverage Amount $200000-$250000$150000-$175000$250000-$300000
Deductible $2500-$5000 Deductible$500- $1000 Deductible$2500-$5000 Deductible

Sample Home Insurance Rates for Waconia, MN from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2011 265,000 Wood Shake Roof 1,790 4 $5000 to $10,000 Deductible 540 5 Vinyl siding No
2006 280,000 Asphalt Shingles Roof 1,820 3 $500- $1000 Deductible 450 4 Wood siding yes
2014 220,000 Composition Roof 1,910 5 $5000 to $10,000 Deductible 1400 12 Fiber-Cement Siding yes
2005 265,000 Tile Roof 1,920 3 $500- $1000 Deductible 980 4 Vinyl siding yes
2014 370,000 Shingles Roof 2,960 4 $2500-$5000 Deductible 1540 8 Brick siding No
2005 535,000 Wood Shake Roof 4,070 5 $1000-$2500 Deductible 700 2 Fiber-Cement Siding yes
2008 475,000 Wood Shake Roof 3,430 5 $5000 to $10,000 Deductible 1310 9 Brick siding No
2000 280,000 Membrane Roof 2,090 4 $2500-$5000 Deductible 490 3 Stucco siding No
2006 495,000 Tile Roof 3,210 4 $1000-$2500 Deductible 2270 9 Stucco siding No
2013 180,000 Wood Shake Roof 1,250 3 $2500-$5000 Deductible 630 10 Brick siding No
2007 440,000 Slate Shingles Roof 3,740 5 $2500-$5000 Deductible 1140 4 Wood siding yes
2012 450,000 Wood Shake Roof 3,210 5 $1000-$2500 Deductible 720 2 Fiber-Cement Siding yes
2011 425,000 Wood Shake Roof 3,780 5 > $10,000 Deductible 1420 8 Vinyl siding yes
2011 180,000 Membrane Roof 1,440 2 $2500-$5000 Deductible 170 2 Stucco siding yes
2014 400,000 Metal Roof 3,060 4 $500 Deductible 2760 8 Stone Siding yes
2010 210,000 Asphalt Shingles Roof 1,860 3 $1000-$2500 Deductible 1360 12 Stucco siding No
2014 165,000 Metal Roof 1,460 2 $5000 to $10,000 Deductible 200 3 Vinyl siding No
2008 225,000 Wood Shake Roof 2,130 3 $500 Deductible 1870 10 Stucco siding No
2009 215,000 Composition Roof 1,460 3 $500 Deductible 360 3 Brick siding yes
2010 165,000 Slate Shingles Roof 1,220 2 $500 Deductible 600 6 Vinyl siding yes
2012 275,000 Asphalt Shingles Roof 2,160 3 > $10,000 Deductible 90 1 Stucco siding yes
2013 320,000 Wood Shake Roof 2,250 4 $1000-$2500 Deductible 2030 9 Stone Siding yes
2012 435,000 Slate Shingles Roof 3,390 4 $500 Deductible 2100 8 Fiber-Cement Siding No
2000 485,000 Slate Shingles Roof 3,320 4 $500 Deductible 1950 6 Stone Siding yes
2004 370,000 Metal Roof 2,640 4 > $10,000 Deductible 1450 12 Stone Siding yes
2007 350,000 Slate Shingles Roof 3,300 5 $500 Deductible 1040 5 Vinyl siding yes
2012 345,000 Membrane Roof 2,280 4 $2500-$5000 Deductible 1990 9 Stone Siding No
2011 180,000 Wood Shake Roof 1,490 3 $500 Deductible 90 1 Stucco siding No
2005 295,000 Composition Roof 2,530 4 $500- $1000 Deductible 2140 10 Wood siding yes
2009 410,000 Asphalt Shingles Roof 2,760 4 $5000 to $10,000 Deductible 220 1 Stucco siding yes
2010 250,000 Asphalt Shingles Roof 1,610 2 $5000 to $10,000 Deductible 240 3 Vinyl siding yes
2009 250,000 Wood Shake Roof 2,320 4 $5000 to $10,000 Deductible 1310 12 Stone Siding No