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2024

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Best Homeowners Insurance Agencies in Saint Paul, MN

Our Recommended Top 19

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Saint Paul Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

177Reviewed

113Curated

19Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Saint Paul, MN
WebsiteLicense: 40344347

Expertise.com Rating

Review Sources

Google
5.0 (12)
Facebook
4.8 (10)

Why choose this provider?

Kriener Insurance deals with the protection needs of homeowners in Saint Paul and nearby areas. The company carries different home insurance brands, such as The Hartford, Wilson Mutual, Allstate, and American Modern. Its residential property insurance covers 80 percent of the repair or replacement value of its clients' houses in case of destruction. Additionally, the insurance protects properties' outdoor areas, like sheds, greenhouses, gazebos, and pavilions. Kriener Insurance's plans also include valuable item protection and umbrella policies.

  • Condo Insurance
  • Commercial Insurance
  • Renter's Insurance
  • Homeowners Insurance Agency

Saint Paul, MN

Expertise.com Rating

Why choose this provider?

Need help contacting a Homeowners Insurance Agency in Saint Paul? Call our Concierge team at 848-Book-Pro (848-266-5776 from 6 am - 4 pm PT | Mon - Fri). They are standing by to help you get the service you need.

637 Snelling Avenue North, Saint Paul, MN 55104
WebsiteLicense: 20541219

Expertise.com Rating

Review Sources

Google
5.0 (28)

Why choose this provider?

Located in Saint Paul, Krog Insurance is a family-owned business founded in 1986. Its line of products includes home, renters', and condo insurance. Additionally, it crafts small business, life, boat, car, and flood insurance policies. The company was formed by Jon Krog, Sr., and is now owned and managed by his son Jon, who joined it in 2006 to offer insurance products and services from a variety of insurance carriers.

  • Renter's Insurance
  • Condos
  • Flood

1330 Highway 96 E, Saint Paul, MN 55110

Expertise.com Rating

Review Sources

Google
4.9 (20)

Why choose this provider?

Founded in 2013, the McNamara Company is an independent, family-owned insurance agency located in Saint Paul, Minnesota. Home insurance brokers work with over a dozen carriers to help clients identify their risks and find policies that cover the full replacement value of their houses, condos, or manufactured homes and belongings following a loss. The company also offers policies for perils not covered by standard insurance plans, such as flood damage and excess liability.

  • Renter's Insurance
  • Condos
  • Flood

4651 Nicols Rd Ste 203, Eagan, MN 55122

Expertise.com Rating

Review Sources

Google
5.0 (50)
Yelp
5.0 (2)

Why choose this provider?

Located in Eagan, Minnesota, First Class Insurance Brokers is an independent insurance agency serving the Saint Paul metro area since 2017. Its home insurance product is one of many forms of insurance it offers its personal and business clients. The agency works with many national carriers, searching their policies for the one that fits their client's needs. Home insurance typically covers the building's structure and contents, as well as liability protection for the owner. The agency can offer additional coverage.

  • Renter's Insurance
  • Condos
  • Flood

250 Hamline Ave S, Saint Paul, MN 55105

Expertise.com Rating

Review Sources

Google
4.8 (31)
Facebook
4.6 (18)

Why choose this provider?

Wiessner Insurance Agency sells all forms of insurance to residents of St. Paul, Minnesota. It was founded in 1960 and is a locally-owned and operated brokerage. The company sells home insurance on behalf of major carriers such as Nationwide, NSI Insurance Group, Encompass, and Foremost Insurance Group. Its policies are affordable and comprehensive. Most include coverage options such as personal liability, structural repair, and personal belongings insurance. In addition to home insurance, Weissner Insurance Agency sells auto, life, and commercial insurance.

  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

2015 Hillcrest Avenue, Saint Paul, MN 55116
WebsiteLicense: 20492019

Expertise.com Rating

Review Sources

Google
4.9 (90)
Facebook
5.0 (39)
Yelp
5.0 (1)

Why choose this provider?

Chad Babcock offers State Farm’s homeowners’ insurance policies to property owners in Highland Park and its environs. He also provides life insurance, commercial lines insurance, and policies for vehicles and rented properties. He is supported by a team of agents and account representatives who extend their services from an office in Saint Paul. Chad, who has been with State Farm since 2002, is a licensed agent in Minnesota and Wisconsin. He is certified as a Chartered Financial Consultant and also handles mutual funds and annuities.

  • Renter's Insurance
  • Condos

90 Dale St S, St. Paul, MN 55102
WebsiteLicense: 40307658

Expertise.com Rating

Why choose this provider?

McGovern Agency is a full-service and independent insurance business that caters to clients in Saint Paul and the surrounding areas. It crafts homeowners' insurance policies, which provide financial protection against thefts and natural disasters. The policies may cover personal liability, dwellings, alternative living arrangements, and medical payments. The agency has partnered with more than 20 insurance carriers, including The Hartford, Foremost, American Modern, and Berkshire Hathaway. It also offers life, health, business, car, motorcycle, and recreational vehicle insurance options.

  • Multiple Carriers
  • Multiple Policy Types

625 Southview Boulevard, South Saint Paul, MN 55075
WebsiteLicense: 20024431

Expertise.com Rating

Review Sources

Google
4.0 (21)

Why choose this provider?

Christopher Kisch is a homeowners insurance agent with State Farm serving clients in Saint Paul. He is the owner of Christopher Kisch Ins Agcy Inc, which consists of four other team members, and they have a combined insurance experience of over 75 years. The company specializes in home, auto, business, renters, and life insurance. Christopher is dedicated to listening to client's needs while providing a simple and fun experience. He earned his designation as a Chartered Life Underwriter and enjoys flying remote control airplanes in his free time.

  • Homeowners

3521 88th Ave NE, Blaine, MN 55014

Expertise.com Rating

Review Sources

Google
5.0 (99)
Facebook
5.0 (14)

Why choose this provider?

Onyx Insurance Brokers is a Blaine-based independent insurance agency that caters to clients in Saint Paul. It offers homeowners insurance policies from over 25 different carriers, such as Nationwide and Berkshire Hathaway. The agency helps first-time applicants process their enrollment to other home coverage plans. Its agents can also review existing plans to recommend additional coverage, like premises liability or flooding repairs. Aside from homeowners' insurance, Onyx provides other residential insurance for cars and motorcycles. It also has commercial auto and property insurance plans.

  • Homeowners

2079 County Road D E Ste A, Maplewood, MN 55109

Expertise.com Rating

Review Sources

Google
4.9 (30)

Why choose this provider?

In business since 2009, Rising Star Insurance Brokers is a Saint Paul, Minnesota-based agency assisting clients with home insurance policies that cover structures, belongings, liability, and expenses related to the loss of use. It assists clients in shopping for rates and advises them on special coverage areas that may be essential to their lifestyle, such as scheduled property coverage for someone with an extensive art collection. Rising Star Insurance Brokers also offers extensive auto insurance services.

  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

3470 Washington Dr., Ste 126, Eagan, MN 55122
WebsiteLicense: 9401

Expertise.com Rating

Review Sources

Google
5.0 (4)
Facebook
5.0 (2)

Why choose this provider?

Established in 1960, Kelliher & Associates, Inc., is a family-operated company serving the insurance needs of clients in Saint Paul. The team offers homeowners' insurance policies that cover dwellings, unattached structures, personal belongings, personal liabilities, and additional living expenses. It also furnishes insurance coverages for automobiles, healthcare, individual life, and businesses. Founder William J. Kelliher kept his children involved in the business operations, and in 1991, his son David became the president of the company. It partners with brands, such as Progressive and MetLife.

  • Multiple Policy Types
  • Homeowners

821 Raymond Avenue, Suite 400, Saint Paul, MN 55114
WebsiteLicense: 40370194

Expertise.com Rating

Review Sources

Google
4.8 (18)
Facebook
4.0 (4)

Why choose this provider?

Champion Insurance Services Inc. is an independent business that caters to clients in Saint Paul and the surrounding areas. It offers a variety of personal insurance plans that protect homes and properties. It also provides auto, flood, classic car, recreational vehicle, delivery truck, and taxi cab insurance solutions. Its team customizes commercial insurance packages. Champion Insurance Services has partnered with several insurance carriers, such as The Hartford, American National, Progressive, Safeco, and Foremost Insurance Group.

  • Multiple Carriers
  • Multiple Policy Types
  • Homeowners

701 4th Avenue South, Minneapolis, MN 55415

Expertise.com Rating

Review Sources

Facebook
5.0 (8)

Why choose this provider?

AdvisorNet Property and Casualty carries homeowners insurance products and advises clients on purchasing the right policies for their circumstances. It sells coverage for properties and the structures on them and enables clients to customize their policies for special circumstances and valuable personal items, such as pieces of jewelry. Clients can also acquire coverage for personal liability so that they can shield themselves from financial responsibility for any guests hurt on their premises.

  • Renter's Insurance
  • Flood
  • Fire

2704 Mounds View Blvd, Mounds View, MN 55112

Expertise.com Rating

Why choose this provider?

WIN Insurance Agency Inc. has been serving residents of Minnesota and Wisconsin for more than 40 years. Homeowners living in St. Paul can rely on the company to provide comprehensive, affordable home insurance policies that are carried by nationally known companies such as Progressive, The Hartford, and Liberty Mutual. In addition to home insurance, the company offers auto, life, and business policies. WIN Insurance Agency is a Better Business Bureau accredited business and a Trusted Choice independent insurance agent.

  • Renter's Insurance
  • Condos
  • Flood

2469 University Avenue West, Saint Paul, MN 55114

Expertise.com Rating

Why choose this provider?

Minneapolis St. Paul Agency is a private independent company that serves personal and business clients in Saint Paul and surrounding areas. It offers homeowners insurance policies to help clients protect their properties. It assists clients in understanding the coverage of insurance policies and how coverage amounts are calculated. It also intervenes between the clients and insurance companies when the claim process gets complicated. This firm considers protecting the clients' life's work as its mission and has been in the industry for over 40 years.

  • Homeowners

783 Radio Dr Ste 103, Woodbury, MN 55125

Expertise.com Rating

Review Sources

Google
4.6 (12)
Facebook
5.0 (8)

Why choose this provider?

Red Rock Insurance Agency provides home insurance services to customer living in the Saint Paul, Minnesota, metro area. The agency assists home owners with policies that protect their property, belongings, and themselves from lawsuits involving third parties, and is sells renters policies that protect their items held in leased dwellings. Aside from traditional homes, this company also sells insurance for condominiums. Insurance policies for automobiles and health coverage are also sold by Red Rock Insurance Agency.

  • Renter's Insurance
  • Personal Property Insurance
  • Multiple Policy Types

9202 202nd St W Ste 200, Lakeville, MN 55044

Expertise.com Rating

Review Sources

Google
5.0 (16)
Facebook
5.0 (8)

Why choose this provider?

Lakeville Insurance Agency is a family-owned and operated home insurance company that has been serving the residents of Saint Paul, Minnesota, since 1985. As an independent agency, the company works with a variety of providers, including Encompass, Progressive, and Western National Mutual, to offer its clients a multitude of options to fit their needs. Its policies provide coverage for property damage and medical bills in the event of an accident or natural disaster.

  • Personal Property Insurance
  • Homeowners

2136 Ford Parkway, Saint Paul, MN 55116
WebsiteLicense: 20142028

Expertise.com Rating

Review Sources

Facebook
4.9 (32)
Google
5.0 (1)

Why choose this provider?

Timothy Poston is a homeowners insurance agent offering his services to clients in the Saint Paul metro, understanding their financial needs, and helping them come up with solutions. He has been in the industry since 1988 and joined Insurance Brokers of Minnesota, Inc. in 2005, giving him the opportunity to provide his clients more coverage options, market availability choices, and pricing. Backed by the Insurance Brokers of Minnesota, Inc., Timothy offers different homeowner policies, including the most common types such as basic or standard, broad form, special which is also called deluxe or all risk, renters, condo, and older home policies.

  • Condos
  • Fire
  • Homeowners

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Kriener Insurance
Saint Paul, MNCall for quote
Krog Insurance - St. Paul
637 Snelling Avenue North, Saint Paul, MN 55104
McNamara Company
1330 Highway 96 E, Saint Paul, MN 55110
FIRST CLASS INSURANCE BROKERS
4651 Nicols Rd Ste 203, Eagan, MN 55122
Wiessner Insurance Agency
250 Hamline Ave S, Saint Paul, MN 55105
Chad Babcock
2015 Hillcrest Avenue, Saint Paul, MN 55116
McGovern Agency
90 Dale St S, St. Paul, MN 55102
Christopher Kisch
625 Southview Boulevard, South Saint Paul, MN 55075
Onyx Insurance Brokers
3521 88th Ave NE, Blaine, MN 55014
Rising Star Insurance Brokers
2079 County Road D E Ste A, Maplewood, MN 55109
Kelliher & Associates, Inc.
3470 Washington Dr., Ste 126, Eagan, MN 55122
Champion Insurance Services Inc
821 Raymond Avenue, Suite 400, Saint Paul, MN 55114
AdvisorNet Property and Casualty
701 4th Avenue South, Minneapolis, MN 55415
WIN Insurance Agency Inc
2704 Mounds View Blvd, Mounds View, MN 55112
Minneapolis St. Paul Agency
2469 University Avenue West, Saint Paul, MN 55114
Red Rock Insurance Agency
783 Radio Dr Ste 103, Woodbury, MN 55125
Lakeville Insurance Agency
9202 202nd St W Ste 200, Lakeville, MN 55044
Timothy Poston
2136 Ford Parkway, Saint Paul, MN 55116

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What is the average annual cost of homeowners' insurance in St. Paul?

    As of 2022, the average annual cost of homeowners' insurance in St. Paul is around $2,698. This figure places St. Paul homeowners at a slightly lower rate compared to the state of Minnesota, where the average cost is approximately $2,735 per year. However, when considering the national average of $2,103 per year for homeowners' insurance, St. Paul residents tend to pay more, with a difference of about $595 above the U.S. average.

  • How can one reduce their homeowners' insurance costs in Saint Paul?

    To reduce or lower Saint Paul homeowners' insurance costs, consider common discounts like the up to 25% multi-policy discount for bundling homeowners' and auto insurance. Property owners can also qualify for discounts by installing safety devices, having a new roof, being a non-smoker, or maintaining a claims-free record for one to five years. These measures reduce risks and enhance the condition of their property, leading to potential premium savings.

  • Does homeowners' insurance in St. Paul include coverage for mobile homes?

    Yes, mobile homes in St. Paul can be covered by homeowners' insurance, typically under an HO-7 policy. These policies are specifically designed for mobile and manufactured homes and offer similar coverages to HO-3 policies, including dwelling protection, other structures coverage, personal property coverage, liability coverage, and potentially loss of use coverage. Note that HO-7 policies typically cover the home when it's stationary. If you intend to move your mobile or manufactured home, a separate transit policy is necessary.

  • Does it cost money to switch homeowners' insurance carriers when you're using an escrow account in St. Paul?

    No. Switching homeowners' insurance carriers while using an escrow account in St. Paul generally doesn't cost anything. You can change insurance providers at any time without incurring a fee. Lenders update where they send the collected funds, making the process seamless and cost-free. Make sure that the new policy meets your needs and fulfills your lender's requirements.

  • What should you do if your homeowners' insurance claim in St. Paul is denied?

    If your homeowners' insurance claim is denied, start by reviewing your policy to ensure the loss is within the covered perils and not explicitly excluded. In case of a dispute, request the specific policy language in question. Seek a written explanation if you and the insurer interpret the policy differently. Also, be ready to engage in negotiations to secure a fair resolution if the initial settlement offer falls short of your expectations.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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