Eagan Homeowners Insurance

Your Complete Guide to Eagan, MN Homeowners Insurance

Find the right homeowners insurance policy for you.

More than 66,000 people live in Eagan, Minnesota. Many who work in the larger cities of Minneapolis and St. Paul choose to live in this low crime-rate suburb and commute. If you are among the proud homeowners in this pleasant Midwestern city, you will want to be sure to safeguard your investment with a reliable home insurance policy. 

When you are shopping for insurance for your Eagan home, an independent insurance agent can help you find the best and most affordable coverage. Contact an agent near you to learn more.

How Much Does Homeowners Insurance Cost in Eagan?

  • National yearly premium average: $1,173
  • Minnesota yearly premium average: $1,323
  • Eagan yearly premium average: $1,405

Minnesota is the 13th most expensive state for home insurance, and rates in Eagan run on the higher side. However, with some savvy shopping, you can find an affordable policy that is right for you.

Your actual rates may be significantly higher or lower that the averages listed above depending on several factors such as the age, size and value of your home, the crime rate in the ZIP code where your house is located, and even your credit score

If you bundle your home insurance with another policy like auto insurance or life insurance, you may even be able to get all of your policies at lower rates. An independent agent in Eagan can help you obtain the home insurance policy that’s offered at the best rate.

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Burglary Rate in Eagan, MN

  • Number of burglaries per 1,000 homes in the US: 4.69
  • Number of burglaries per 1,000 homes in MN: 3.37
  • Number of burglaries per 1,000 homes in Eagan: 2.31

The burglary rate in Minnesota is lower than the national average, and in Eagan, it is even lower. That is not to say that the threat is non-existent in this city. Residents of Eagan report more than 150 burglaries each year.

Burglar alarms are excellent theft deterrents. Many insurance companies offer discounts to policyholders who have home security systems installed. If your house is broken into, your home insurance company can reimburse you for your losses. 

Catastrophic Events in Minnesota

Your home property insurance is divided into two parts: coverage for the house itself, and coverage for your personal property. You will want to be sure to have enough coverage in each category so that you can afford to rebuild and replace if your house is completely destroyed by a catastrophic event like a structure fire, or if it is severely damaged by freezing pipes or heavy storms.

  • Number of declared disasters in Minnesota: 60
  • Average number of tornadoes per year in Minnesota: 41.9
  • Average amount of property damage per year in MN: $897,178,000
  • 1 in 15 insured homes has a claim each year.

Your home insurance policy is designed to cover you against most of the hazards you are likely to face as a homeowner in Eagan. However, it will not cover you against flood damage. If your house is at risk, your independent agent can help you secure a flood insurance policy through the NFIP.

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Liability Coverage for Eagan Homeowners

Homeowners insurance does more than just cover your property. It also provides you with coverage against many of the liability risks you may face as an Eagan homeowner. Homeowners liability insurance is designed to cover legal defense fees, court costs, and damages related to a number of potential lawsuits.

Examples of times you may need this coverage include if a tree on your property falls onto your neighbor’s house, if a guest in your home is severely injured due to negligence on your part, if your dog bites a passing jogger, if your child hits a baseball into a neighbor’s window, or even if you are accused of libel or slander.

You can learn more by talking to your independent insurance agent.

Second Home and Vacation Home Insurance

Some residents of Eagan own more than one house. If you need to insure a property that is not your primary residence, insurance companies will take additional risk factors into consideration. Often, this results in higher coverage rates.

Second homes that are rented out to tenants have higher liability risks and therefore need to be covered by landlord insurance policies. Vacation homes that are left unoccupied and unattended for long periods have higher property damage risks and may need to be covered by vacant home insurance.

Your local independent agent can identify the coverage needs associated with all of your properties, and will work hard to help you find the best and most affordable home insurance policies for each of them.

Why Talk to an Independent Insurance Agent?

Independent insurance agents make it easy for you to find the most affordable homeowners insurance policy in Eagan. Your agent can answer your insurance-related questions and can help you review your coverage limits and options. 

Find an agent in or near Eagan to learn more, and you can start comparing customized quotes for home insurance in no time.

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