Home Home insurance Average home insurance cost Virginia St. Paul, VA How much is Homeowners Insurance in Saint Paul, VA View Carriers Please enter valid zip Compare top carriers in your area Written by By Insure.com's EditorUpdated on: September 3, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. In St. Paul, homeowners pay an average annual rate of $2,417 for a coverage level that includes $300,000 for dwelling, $100,000 for liability protection, and a $1,000 deductible, according to Insure.com’s rate analysis. This is $87 less than the national average of $2,504. Homeowners insurance premiums can vary significantly from one property to another. In St. Paul, the cost of home insurance is influenced by several factors, including: Size of your home Age of your home Amount of coverage required Location Your credit score It’s crucial to compare quotes from multiple insurers to ensure you get the best homeowners insurance policy. This allows you to find the coverage that meets your specific needs. Read this guide to discover the monthly homeowners insurance cost in St. Paul, explore the insurance costs for different dwelling coverage, and find out which companies offer affordable home insurance in St. Paul. Key takeawaysIn St. Paul, homeowners insurance costs $2,417 annually. American Family offers the most affordable homeowners insurance in St. Paul with an average annual premium of $949. If you increase your dwelling coverage from $200,000 to $300,000, your annual home insurance premium will be $604 higher. How much is homeowners insurance in St. Paul per month St. Paul homeowners pay an average of $201 a month, based on our rate analysis. It’s $23 more than the state average of $178 and $8 less than the national average for home insurance across the United States. The price of your homeowners insurance policy in St. Paul may vary depending on where you live, the value of your home, and the coverage you choose. How much is homeowners insurance for a $200,000 house in St. Paul In St. Paul, VA, homeowners pay an average of $1,813 annually for a $200,000 home. The annual cost of home insurance is influenced by factors such as the risk of natural disasters in your area. Regions more susceptible to natural disasters, such as floods, hurricanes, or tornadoes, typically face higher rebuilding costs, leading to increased insurance premiums. It is important to understand that standard insurance policies might not cover damages caused by floods or hurricanes. If you live in a flood-prone area, it is advisable to purchase flood insurance. How much is homeowners insurance for a $300,000 house in St. Paul According to a rate analysis by Insure.com, homeowners in St. Paul pay an average of $2,417 per year for a $300,000 house. These rates are for the coverage limits of $100,000 for liability protection and $1000 deductible. If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $604 more a year for home insurance. It would be best to buy enough insurance to cover the full cost of rebuilding your home. However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area. How much is homeowners insurance in St. Paul by companyAmong the carriers analyzed, American Family is the most affordable homeowners insurance company in St. Paul. It’s average annual rate for homeowners in St. Paul is $949.Virginia Farm Bureau, ranks second and Progressive makes it to the third spot with an average annual home insurance rate of $1,453.Research on the company is essential before selecting a homeowners insurance policy. Insure.com has thoroughly examined all insurance companies operating in St. Paul and compiled a list of the most affordable home insurance companies.Below are details of St. Paul home insurance companies and their average annual premiums.Home insurance company Annual rate American Family$949Virginia Farm Bureau$1,012Progressive$1,453Nationwide$1,510State Farm$1,606Erie Insurance$1,632Allstate$1,979Farmers$4,635Travelers$4,758 Methodology Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in St. Paul for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment. How much is home insurance in other citiesAshburnCarrolltonMarkhamRestonVirginia Beach In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2024 What is dwelling coverage and how much do you need? 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