How much is homeowners insurance in Saint Paul, Virginia?

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In St. Paul, homeowners pay an average annual rate of $2,417 (for the coverage level of $300,000 for dwelling, $100,000 for liability protection, and $1,000 deductible). It’s $87 less than the national average of $2,504 .

Homeowners insurance rates change from one home to another. The home insurance premium in St. Paul depends on various factors, such as:

Size of your home
Age of your home
Amount of coverage required
Location
Your credit score

American Family is the cheapest homeowners insurance company in St. Paul with an average annual premium of $949 per year.

This guide covers everything from available coverage options to companies with the cheapest homeowners insurance rates in St. Paul. Keep reading to learn about the monthly cost of homeowners insurance in St. Paul, the cost for different dwelling coverage levels, and which companies provide the most affordable home insurance in St. Paul.

Key Takeaways

The cost of your homeowners insurance policy in St. Paul can vary based on factors such as your location, the value of your home, and the coverage options you select.
American Family is the cheapest homeowners insurance company in St. Paul with an average annual premium of $949 .
If you increase your dwelling coverage from $200,000 to $300,000, you will pay $604 more annually for home insurance.

How much is homeowners insurance in St. Paul per month?

Residents of St. Paul pay an average of $201 a month for homeowners insurance. It’s $23 more than the state average of $178 and $8 less than the national average for home insurance across the nation.

The cost of your homeowners insurance policy in St. Paul may change based on location, property value, and selected coverage options.

How much is homeowners insurance for a $200,000 house in St. Paul?

Homeowners insurance with $200,000 in dwelling coverage and $100,000 in liability protection costs about $1,813 per year in St. Paul. Your rate can vary based on a number of factors, especially the risk of natural disasters in your area. Places more prone to floods, hurricanes, or tornadoes often face higher rebuilding costs, which leads to higher insurance premiums.

It is important to note that your insurance plan may not cover flood or hurricane damage. So, if you live in an area prone to flooding, consider buying flood insurance coverage.

How much is homeowners insurance for a $300,000 house in St. Paul?

Homeowners in St. Paul typically pay an average of $2,417 annually for a home insurance policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, your home insurance rates will rise by $604 . You should purchase enough insurance to cover the entire cost of rebuilding your home. The required amount of dwelling coverage can vary based on factors such as the size of your home, its features, and the cost of living in your area.

How much is homeowners insurance in St. Paul by company?

Among the carriers we analyzed, American Family is the cheapest homeowners insurance company in St. Paul. Its average annual rate for St. Paul homeowners is $949 , while Virginia Farm Bureau ranks second.

Before picking a homeowners insurance policy, it’s a good idea to do a little homework on the company. To make it easier, our experts reviewed all the top insurers in St. Paul and put together a list of the most affordable options. Below, you’ll find the average annual premiums for each provider in the area.

Home insurance company	Annual rate
American Family	$949
Virginia Farm Bureau	$1,012
Progressive	$1,453
Nationwide	$1,510
State Farm	$1,606
Erie Insurance	$1,632
Allstate	$1,979
Farmers	$4,635
Travelers	$4,758

Bundling your home insurance with other policies, such as auto insurance, can result in substantial savings. Many insurers offer discounts to policyholders who combine multiple policies. It will help you lower your premiums and simplify policy management.

Natural disasters in Virginia that can impact your home insurance

Living in Virginia comes with the threat of natural disasters, which can cause significant damage to homes and property, often resulting in costly insurance claims. Understanding which natural disasters are most common in your area is essential when selecting a home insurance policy.

By knowing the specific risks in your region, you can make informed decisions about coverage limits, deductibles, and whether you need additional protection. That knowledge ensures you’re not left underinsured when disaster strikes and protects your financial well-being in the long run.

Virginia is commonly affected by Coastal flooding, Landslide and Winter weather.

How home insurance protects you against natural disasters

Home insurance can provide valuable protection against the financial impact of natural disasters. Standard home insurance policies typically cover damages from fire, windstorms, hail and lightning. However, events such as floods, earthquakes or landslides are excluded and require purchasing additional policies or endorsements. For example, flood insurance must be purchased separately, as it is not typically covered by a standard home insurance policy.

Home insurance pays for home repairs, replacement belongings and temporary living expenses if your dwelling becomes uninhabitable due to damage. The protection offered by home insurance can significantly reduce the financial impact of natural disasters.

TIP

The best time to review your homeowners insurance is before a storm hits. If you’ve made upgrades to your home or live in a disaster-prone area, you may need more coverage than you think. A quick policy check now can prevent big financial losses later.

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.

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Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.