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Read how home insurance experts are helping Otsego, MN homeowners save money & get cheap home insurance.

Get Quotes From The Best & Compare

Each and every home insurance policy is distinct & we illustrate how few needs influence rates in Otsego

Makes your home insurance higher Makes your home insurance lower

$1060 is your homeowners insurance for a property near Orchard Rd

No of Bedrooms32,224 (44.9%) homes in Otsego have 3 bedrooms
Deductible$2500-$5000 Deductible$2500-$5000 Deductible reduces your rate by $290
Replacement Value$277,760Cheaper by $56,518 compared to the typical replacement cost of a house in Otsego
Age32In Otsego 1,314 (9.7%) people are between 30 to 34 years
Nearby agents : Juan Hernandez Garcia, 5 E 38th St, Minneapolis, MN

$600 is your homeowners insurance for a property near Radford Ave, Co Rd 121, Ochoa Ave NE

No of Vehicles Available3 Due to possible car & home policy consolidation you are entitled to a $210 discount
Age72291 (2.2%) people aged between 70 and 74 in Otsego
Home value$238,000Costlier by $42,700 compared to a usual house in Otsego
Credit ScoreFairProspective savings of $240 on your home insurance in Otsego if you had Excellent credit
Nearby agents : Ab & J Insurance Services, 9405 36TH AVE N, NEW HOPE, MN

$350 is your homeowners insurance for a property near Quantrelle, ODell Ave NE, Lasalle Ct NE, Manchester Way NE

Age391,031 (7.6%) people aged between 35 and 39 in Otsego
Home value$186,500$8,800 cheaper than the typical house value in Otsego
Deductible$5000 to $10,000 Deductible$160 savings by going for a $5000 to $10,000 Deductible
Home Constructed Year1995In Otsego, 607 (12.3%) homes were made between 1990 and 1999
Nearby agents : Willow Wood Insurance, 6533 Limerick Dr, Edina, MN

$450 is your homeowners insurance for a property near Talon Ct, Orchard Cir E

Home Constructed Year194054 (1.1%) houses in Otsego were constructed between 1940 and 1949
No of Bedrooms3In Otsego, 2,224 (44.9%) homes have 3 bedrooms
No of claims0Look for a no claims rebate of $140
No of Vehicles Available2 Because of possible auto & home insurance bundle you are eligible for a $160 reduction
Nearby agents : Test Agency 108, 108 Oak Street 108 City, Marine on St. Croix, MN

$490 is your homeowners insurance for a property near Orchard Rd

No of Vehicles Available1Enquire about a car & home insurance bundle rebate of $170
Marital StatusSeparatedIn Otsego, 100 (1.0%) folks have the status of "Separated"
Home value$214,500Costlier by $19,200 compared to a usual home in Otsego
Credit ScoreExcellent Request for a rebate of $200 due to your excellent credit score
Nearby agents : John Becker, 917 Selby Ave, Saint Paul, MN

$560 is your homeowners insurance for a property near Co Rd 121, Ochoa Ave NE, Radford Ave

No of Bedrooms41,060 (21.4%) properties have 4 bedrooms in Otsego
Home Constructed Year1925130 (2.6%) properties were constructed between 1920 and 1939 in Otsego
Replacement Value$250,000Cheaper by $78,115 compared to the median replacement value of a property in Otsego
Age41In Otsego 1,129 (8.4%) individuals are between 40 to 44 years
Nearby agents : Michael Erickson, 2006 1ST AVE STE 204, Anoka, MN

$2460 is your homeowners insurance for a property near Quantrelle, Lasalle Ct NE, ODell Ave NE, Manchester Way NE

Age58In Otsego 716 (5.3%) individuals are between 55 to 59 years
Credit ScorePoor$570 more expensive because your credit score is not superb
Replacement Value$686,925$457,365 costlier than the typical home replacement cost in Otsego
Deductible$2500-$5000 Deductible$2500-$5000 Deductible reduces your rate by $660
Nearby agents : Juan Cervantes, 391 Ruth St N, Saint Paul, MN

$220 is your homeowners insurance for a property near Orchard Cir E, Talon Ct

Marital StatusWidowedIn Otsego, 620 (6.1%) individuals have the status of "Widowed"
No of Bedrooms1110 (2.2%) homes have 1 bedrooms in Otsego
Credit ScoreFairProspective savings of $90 on your home insurance in Otsego if you had Excellent credit
Deductible$500- $1000 DeductibleYou save $20 by opting for a $500- $1000 Deductible
Nearby agents : Chad Babcock Chfc, 2015 Hillcrest Avenue, Saint Paul, MN

$1390 is your homeowners insurance for a property near Orchard Rd

Deductible$500 DeductibleGoing for a higher deductible of ($500-$1000) could save you $140
Credit ScorePoor$320 more expensive because your credit rating is not superb
Marital StatusNever married"Never married" status is similar to that of 7,100 (70.5%) people in Otsego
No of Vehicles Available3You qualify for an auto & homeowners consolidation policy concession of $490
Nearby agents : Park Valley Agency, Inc., 7054 E Fish Lake Rd Maple Grove, Maple Grove, MN

$1050 is your homeowners insurance for a property near Orchard Rd

Replacement Value$508,045$149,890 above the average house replacement cost in Otsego
Marital StatusMarried, spouse present"Married, spouse present" status is similar to that of 140 (1.3%) people in Otsego
No of claims2$210 increase in rate because of 2 prior claims
Home value$365,500Costlier by $170,200 compared to a typical property in Otsego
Nearby agents : Keister & Keister Agency, Inc, 6750 Blvd N, Stillwater, MN

$470 is your homeowners insurance for a property near Orchard Rd

Replacement Value$312,320Your replacement value is $24,611 cheaper than the usual property in Otsego
Marital StatusWidowedIn Otsego, 620 (6.1%) folks have the status of "Widowed"
Credit ScoreFairSavings of $190 on your home insurance in Otsego with Excellent credit
No of claims2Your 2 prior claims make your rate costlier by $100
Nearby agents : Ahmann & Martin Co, 7555 MARKET PLACE DR, EDEN PRAIRIE, MN

$940 is your homeowners insurance for a property near Orchard Rd

Replacement Value$353,460Your replacement price is $16,529 costlier than the average home in Otsego
No of Bedrooms32,224 (44.9%) houses have 3 bedrooms in Otsego
Home Constructed Year2006In Otsego, 2,799 (56.6%) houses were made between 2000 and 2009
Home value$274,000$78,700 costlier than usual home cost in Otsego
Nearby agents : City Country Agency, 317 Central Ave, Osseo, MN

$440 is your homeowners insurance for a property near Orchard Rd

Deductible$500- $1000 Deductible$50 savings by choosing a $500- $1000 Deductible
No of Vehicles Available3Request for a car & homeowners policy bundle discount of $160
Home Constructed Year1972733 (14.8%) properties were made between 1970 and 1979 in Otsego
Marital StatusMarried, spouse present140 (1.3%) people have the status of "Married, spouse present" in Otsego
Nearby agents : Cox Insurance Associates Inc, 1639 Larpenteur Ave W Falcon Heights, Falcon Heights, MN

$880 is your homeowners insurance for a property near Orchard Rd

Home value$299,500Your property is $104,200 costlier than the usual value in Otsego
Home Constructed Year1999607 (12.3%) houses were made between 1990 and 1999 in Otsego
No of claims3$270 higher premium because of 3 previous claims
Age63375 (2.8%) individuals aged between 62 and 64 in Otsego
Nearby agents : Steve Riebel, 12688 Bass Lake Rd, Maple Grove, MN

$900 is your homeowners insurance for a property near Orchard Rd

No of Vehicles Available0Not eligible for discount
Age63375 (2.8%) people are between 62 - 64 years in Otsego
Replacement Value$411,340Costlier by $50,532 compared to the typical replacement price of a property in Otsego
No of Bedrooms32,224 (44.9%) houses in Otsego have 3 bedrooms
Nearby agents : Shawn Pehrson, 3609 White Bear Ave N Ste C, White Bear Lake, MN

$290 is your homeowners insurance for a property near Orchard Rd

Credit ScoreExcellent$120 cheaper due to your superb credit score
Home Constructed Year201011 (0.2%) houses in Otsego were constructed between 2010 and 2016
Marital StatusNow married6,970 (69.2%) people have the status of "Now married" in Otsego
Deductible$5000 to $10,000 DeductibleYou save $180 by opting for a $5000 to $10,000 Deductible
Nearby agents : Oakwood Ins Agcy Inc, 129 CENTRAL AVE, OSSEO, MN

$590 is your homeowners insurance for a property near Orchard Rd

Replacement Value$402,350Your replacement cost is $33,583 above the typical house in Otsego
Home Constructed Year1975733 (14.8%) houses in Otsego were built between 1970 and 1979
Age371,031 (7.6%) individuals are between 35 - 39 years in Otsego
No of Bedrooms32,224 (44.9%) properties in Otsego have 3 bedrooms
Nearby agents : Marsh & Mclennan Agency Llc, 7225 NORTHLAND DR N STE 300, MINNEAPOLIS, MN

$420 is your homeowners insurance for a property near Orchard Rd

Replacement Value$189,375Cheaper by $171,433 compared to the median replacement price of a home in Otsego
No of claims2$90 higher rate because of 2 past claims
No of Vehicles Available3Look for an auto & home insurance bundle concession of $150
Marital StatusNow married"Now married" status is similar to that of 6,970 (69.2%) people in Otsego
Nearby agents : Insurance Advisors Inc, 15020 27TH AVE N, PLYMOUTH, MN

$670 is your homeowners insurance for a property near Orchard Rd

Credit ScorePoorAn excellent credit grade makes your premium cheaper by $160
Deductible$5000 to $10,000 Deductible$390 savings by choosing a $5000 to $10,000 Deductible
Marital StatusMarried, spouse absent"Married, spouse absent" status is similar to that of 40 (0.4%) persons in Otsego
No of claims1Your rates will increase by $70 due to 1 previous claims
Nearby agents : Loretz-Johnson Agency Inc, 224 E MAIN ST STE 203, ANOKA, MN

$1140 is your homeowners insurance for a property near Orchard Rd

Deductible$1000-$2500 Deductible$1000-$2500 Deductible reduces your rate by $140
No of Vehicles Available2Ask for an auto & home insurance consolidation discount of $400
Credit ScorePoor$270 more expensive because your credit rating is not superb
No of claims3Your 3 previous claims make your rate more expensive by $350
Nearby agents : Steve Heinonen Lutcf, 1935 W Wayzata Blvd Ste 185, Long Lake, MN

$540 is your homeowners insurance for a property near Orchard Rd

No of Vehicles Available4 Due to potential auto & homeowners insurance consolidation you are eligible for a $190 rebate
Replacement Value$377,400Your replacement cost is $45,775 more than the usual house in Otsego
Home Constructed Year1976In Otsego, 733 (14.8%) houses were constructed between 1970 and 1979
Credit ScoreFairSavings of $220 on your home insurance in Otsego with Excellent credit
Nearby agents : Twin City Group, 4500 PARK GLEN RD STE 400, MINNEAPOLIS, MN

$1250 is your homeowners insurance for a property near Orchard Rd

No of Vehicles Available3You are entitled to a car & home bundle insurance concession of $440
Marital StatusMarried, spouse absentIn Otsego, 40 (0.4%) people have the status of "Married, spouse absent"
Age59716 (5.3%) persons are between 55 - 59 years in Otsego
Home value$372,000Your property is $176,700 above the average cost in Otsego
Nearby agents : Dan Peterson, 1292 Helmo Ave N, Oakdale, MN

$370 is your homeowners insurance for a property near Orchard Rd

No of Bedrooms32,224 (44.9%) houses in Otsego have 3 bedrooms
Home Constructed Year201611 (0.2%) properties were made between 2010 and 2016 in Otsego
Deductible$2500-$5000 DeductibleYou save $130 by going for a $2500-$5000 Deductible
Age59716 (5.3%) individuals are between 55 - 59 years in Otsego
Nearby agents : Atlas Insurance Brokers Llc, 6740 HIGHWAY 10 NW, RAMSEY, MN

$620 is your homeowners insurance for a property near Orchard Rd

Deductible> $10,000 DeductibleYou save $550 by going for a > $10,000 Deductible
Credit ScorePoor$150 higher because your credit rating is not superb
Marital StatusNever marriedIn Otsego, 7,100 (70.5%) individuals have the status of "Never married"
No of claims0Ask for a no claims concession of $190
Nearby agents : David Rolstad, 7200 Hemlock Ln N Ste 106, Maple Grove, MN

$560 is your homeowners insurance for a property near Orchard Rd

Replacement Value$288,000Your replacement cost is $30,360 cheaper than the median home in Otsego
Credit ScoreFairCould have saved $230 on your home insurance in Otsego if you had Excellent credit
No of Vehicles Available0Not eligible for discount
No of Bedrooms32,224 (44.9%) properties have 3 bedrooms in Otsego
Nearby agents : Ins Specialists Team Agency Llc, 530 JEFFERSON BLVD, BIG LAKE, MN

$410 is your homeowners insurance for a property near Orchard Rd

Home Constructed Year1987In Otsego, 452 (9.1%) homes were constructed between 1980 and 1989
Replacement Value$310,575Cheaper by $34,315 compared to the average replacement cost of a house in Otsego
Marital StatusNever married"Never married" status is similar to that of 7,100 (70.5%) people in Otsego
No of claims1$50 increase in premium because of 1 past claims
Nearby agents : Bremer Insurance Inc, 4150 – 2Nd Street South-Suite 180 St Cloud, Waite Park, MN

$1550 is your homeowners insurance for a property near Orchard Rd

No of claims1Your 1 past claim makes your premium costlier by $160
Credit ScorePoorAn excellent credit score makes your rate less expensive by $360
Marital StatusSeparated100 (1.0%) people have the status of "Separated" in Otsego
Replacement Value$345,440Your replacement price is $5,856 more than the typical house in Otsego
Nearby agents : Beth Riebel, 7962 Sunwood Dr NW Ste 500, Ramsey, MN

$450 is your homeowners insurance for a property near Orchard Rd

No of claims1Your 1 prior claim makes your premium costlier by $50
Marital StatusNever married7,100 (70.5%) individuals have the status of "Never married" in Otsego
Age42In Otsego 1,129 (8.4%) persons are between 40 to 44 years
No of Vehicles Available0Not eligible for discount
Nearby agents : Associated Financial Group, 12600 WHITEWATER DR STE 100, MINNETONKA, MN

$610 is your homeowners insurance for a property near Orchard Rd

No of Vehicles Available2Look for an auto & home policy consolidation reduction of $220
Home Constructed Year1934In Otsego, 130 (2.6%) properties were constructed between 1920 and 1939
Credit ScoreFairCould have saved $250 on your home insurance in Otsego with Excellent credit
Age53883 (6.5%) folks are between 50 - 54 years in Otsego
Nearby agents : Robert Johnston Clu, 3350 Annapolis Ln N Ste A11, Plymouth, MN