Home Insurance Quotes in St. Paul

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Come Home to St. Paul

St. Paul is the capital city of Minnesota and home to over 303,000 people. It is the central location of state government as well as a major business hub in the Midwest. Several major businesses have operations here, including the 3M Company, Ecolab and the Securian Financial Group. Known collectively as the Twin Cities with Minneapolis, St. Paul is one of Minnesota's oldest cities, featuring historic communities and landmarks such as the Cathedral of Saint Paul.

There are many reasons to live in St. Paul. The median home value is just over $232,000, meaning that the cost to replace a destroyed residence is in the hundreds of thousands of dollars. The average Saint Paulite household income is around $63,000, a little over ¼ of the median home price. Whether you live in an urban townhome or a quirky Queen Anne house, it's important to find the best home insurance quotes in St. Paul.

Understand Your Risk as a Homeowner

Homeowners generally need insurance, either as a requirement from a mortgagee or to cover a loss in the event of major damage. St. Paul homes are at risk from the following:

  • Costly repairs: St. Paul features many homes that were built before the 1900s. Some vintage homes have Victorian, Tudor and other styles of architectural details that are more expensive to repair and replace.
  • Weather events: St. Paul experiences snowy winters, windstorms, hailstorms and other events that can damage your home.
  • Radon: Minnesota has one of the highest levels of radon in the country. Radon is an odorless, colorless and radioactive gas that can cause health issues. Homes that are closed and heated for some time may have higher levels of radon.

Imagine having to pay out of pocket to repair or replace your house after a fire or windstorm.

Explore Home Insurance Quotes in St. Paul

On average, Saint Paulites pay around $2,767 in annual premiums for home insurance, which is above state and national averages. Several companies insure properties in St. Paul, and VIU by HUB can help you find the best quote. The following factors influence what you pay for coverage:

  • Zip code: If you live in an area that is subject to more extreme weather or higher crime rates, you'll pay a higher premium.
  • Condition and age: An older home with outdated or hard-to-replace fixtures will be more expensive to insure.
  • Replacement cost: The more expensive your property, the more it will cost to insure it.
  • Credit score: Insurance companies tend to charge more to insure homeowners with lower credit scores.
  • Claims record: Insurers also look at your history of filing claims when determining your premium.

Most homeowners can mitigate their costs by adjusting their deductible or including additional safety features. It's important to find a plan tailored to your specific needs when shopping for home insurance quotes in St. Paul.

Protect Yourself and Your St. Paul Dwelling

A typical homeowners policy includes these coverages in St. Paul:

  • Dwelling: Pays for the repair or replacement of your home and other structures if damaged or destroyed by a covered peril
  • Personal property: Covers costs to replace personal belongings if damaged or stolen, besides vehicles, pets and business equipment
  • Liability: Pays for injuries or property damage to a third party while on your property

Homeowner policies usually don't cover floods or earthquakes. As a homeowner, you may need higher coverage limits for special circumstances. VIU by HUB is here to help you make sense of home insurance quotes in St. Paul and find a plan that works.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


Saint Paul on Wikipedia

St. Paul on Data USA

MPLS-St. Paul Magazine

Minnesota Department of Health


Minnesota Commerce Department - Insurance

Home insurance in Minnesota by city

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