Home Home insurance Average home insurance cost Virginia Saint 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 Insure.com's EditorUpdated on: November 7, 2023 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. The average cost of homeowners insurance in Saint Paul is $2,345 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), based on Insure.com’s rate data analysis. It’s $72 less than the national average of $2,417.However, homeowners insurance rates can vary drastically from one home to another. Home insurance rates in Saint Paul depend on a number of factors, including: Size of your homeAge of your homeAmount of coverage you needLocationYour credit scoreTo make sure you are getting the best deal on home insurance, it is important to get quotes from multiple insurers to find the right coverage for your needs. Read this guide to know how much homeowners insurance cost per month in Saint Paul, home insurance cost for different dwelling coverage, also know which companies offer cheap home insurance in Saint Paul.In this guide, we will explain everything from what coverage options are available to which companies have the cheapest rates for homeowners insurance in Saint Paul. Key takeaways The average cost of homeowners insurance in Saint Paul is $2,345 per year.American Family is the cheapest homeowners insurance company in Saint Paul with an average annual premium of $941.If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $597 more a year for home insurance. How much is homeowners insurance in Saint Paul per monthSaint Paul homeowners pay an average of $195 a month, based on our rate analysis. It’s $25 more than the state average of $170 and $6 less than the national average for home insurance across the United States. The price of your homeowners insurance policy in Saint 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 Saint PaulThe average cost of homeowners insurance in Saint Paul, VA is $1,748 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The amount you pay for home insurance each year depends on many different things. The types of natural disasters or events that take place in your area affect how much you pay for coverage in your city.Some areas are more at risk for natural disasters, like flood, hurricanes, or tornadoes. This means that if something happens, the cost of rebuilding would be higher in those areas, thereby leading to higher insurance premiums. Your insurance policy might not cover damage caused by floods or hurricanes. So, if you live in a flood-prone area, consider buying flood insurance coverage.How much is homeowners insurance for a $300,000 house in Saint PaulAccording to a rate analysis by Insure.com, homeowners in Saint Paul pay an average of $2,345 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 $597 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 Saint Paul by CompanyAmong the carriers analyzed, American Family is the cheapest homeowners insurance company in Saint Paul. Its average annual rate for Saint Paul homeowners is $941. Virginia Farm Bureau ranks second and Progressive makes it to the third spot with an average annual home insurance rate of $1,470.Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across Saint Paul and prepared a list of the top ten cheapest home insurance providers. You can find below the Saint Paul home insurance companies and their average annual premium.Home Insurance CompanyAnnual rateAmerican Family$941Virginia Farm Bureau$1,096Progressive$1,470Allstate$1,647Nationwide$1,664State Farm$1,779Erie Insurance$1,819Farmers$4,283Travelers$4,468MethodologyInsure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Saint Paul for $300,000 dwelling coverage and $100,000 liability coverage with a $1000 deductible. The data presented are those with a good credit tier alignment. 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