How much is homeowners insurance in St. Paul,VA

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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 takeaways

In 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 company

Among 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.

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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.