St. Paul Homeowners Insurance

The Zebra
Aug. 26, 2019

Find cheap homeowners insurance in Saint Paul


Home insurance should be a critical consideration for every homeowner. It covers your dwelling — and the personal property within it — against a variety of perils, including fire, theft, vandalism, or wind damage. With the relative frequency of such perils -- along with the high cost of rebuilding or repairing damages to a home -- getting homeowners coverage is a sound investment.

The price of a homeowners insurance policy is dependent on a number of factors. These include the following: dwelling value, value of your personal belongings, and the cost of the materials used to build your home. Your home's location can also impact how much you pay, as some locations are more prone to destructive hazards. If your area is at risk of being affected by hail, strong winds, fire, frozen pipes, or volcanic activity, then your premiums could be substantially higher than average. Find out more about what your homeowners insurance policy covers.

If you want to find cheap home insurance in Saint Paul, start with shopping around and comparing what different companies offer. Check out the below summary of average homeowners insurance premiums in Saint Paul to begin your homeowners insurance search with as much information as possible. One thing to note is that the yearly cost of homeowners coverage is determined based on your chosen coverage limits as well as a number of other rating factors.


Saint Paul, Minnesota, homeowners insurance:
  1. Rates by company
  2. Rates by coverage level
  3. Rates by ZIP code
  4. Insurance bundle discounts

Homeowners insurance in Saint Paul by insurance company

Homeowners insurance rates in Saint Paul vary from one insurance company to another. The most affordable home insurance in Saint Paul is Liberty offering average annual rates at just $1,337 per year. This is considerably cheaper than the city’s average homeowners premium of $2,159.

Take a look at the cheapest insurance companies in Saint Paul, Minnesota to find the best home policy for you.


CHEAP HOME INSURANCE COMPANIES IN SAINT PAUL
CompanyAverage Annual Rate
Liberty$1,337
AAA$1,502
State Farm$1,772
Allstate$2,043
Farmers$2,076

Average home insurance costs in Saint Paul by coverage level

Your chosen level of homeowners coverage impacts the insurance premiums you pay . Homeowners in Saint Paul who carry $200K in dwelling coverage pay an average of $1,523 per year, while those with coverage up to $400K pay around $2,670 per year.


HOMEOWNERS INSURANCE RATES IN SAINT PAUL — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$1,523
$400K Dwelling$2,670

Speak with a homeowners insurance expert

Saint Paul home insurance prices by ZIP code

Not every area of Saint Paul has equal home insurance premiums. One of the factors that insurers use when pricing your coverage is the number of claims filed in your surrounding area. As such, the location of your house can dramatically influence your home insurance rates.

The cheapest home insurance rates in Saint Paul are available in 55111. In 55111, the typical home insurance policy costs $1,920 per year — $240 less than the citywide average in Saint Paul. The below table shows the best places to live in Saint Paul if you’re looking for affordable homeowners insurance.


AFFORDABLE AREAS FOR HOMEOWNERS INSURANCE IN SAINT PAUL
ZIP CodeAverage Annual Home Insurance Rate
55111$1,920
55113$1,939
55114$1,940

Other areas of Saint Paul, however, face homeowners rates that surpass the city average . Crime rates, fire risk, and even your how close you are to emergency services such as fire and police stations could impact rates the risk level of certain parts of the city, which has the potential to drive up premiums in the area. One of the costliest ZIP codes for home insurance in Saint Paul is 55110, with an annual average rate of $1,964.


EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN SAINT PAUL
ZIP CodeAverage Annual Home Insurance Rate
55110$1,964
55106$1,964
55130$1,963



Get a homeowners insurance quote


Money-saving tip: bundle home and auto insurance in Saint Paul

One way to save on insurance costs is to consider bundling your homeowners and auto insurance policies through the same company. Bundling your homeowners and auto insurance can be a good money-saving option. In fact, bundling policies in Saint Paul leads to average annual savings of 14%.


CHEAPEST AUTO INSURANCE RATES WITH HOME BUNDLE IN SAINT PAUL
CompanyAvg. Annual Auto Insurance Rate (Bundle)
American Family$1,081
AAA$1,240
State Farm$1,292
Farmers$1,406
Progressive$1,572

It's definitely worth considering bundling both your auto and home policies as a potential way of saving money. Call 855-493-9728 to speak with an insurance specialist today.


Need homeowners insurance?