Homeowners Insurance in Scott County
Homeowners Insurance in Scott County typically runs $1,000 to $2,500 per year and $1,200 to $2,500 for a basic HO-3 policy, depending on home value, coverage levels and deductible amount. Meet the only TenPenny Vetted homeowners insurance pro in Scott County, checked for licensing, insurance, and real reviews.
- TenPenny Vetted
- One vetted pro per county
- Scott County, Minnesota
Insuring Scott County's fast-growing neighborhoods
Scott County has been building for years, and insurance has a habit of falling behind growth. A policy written at closing in Shakopee or Prior Lake quietly ages while construction costs climb, and river-valley storm tracks make roofs and siding the claims you are most likely to file.
A local agent reviews the rebuild number instead of letting it ride, and sets roof coverage terms you understand before hail season. Lake places on Prior Lake get the extras that matter there, docks, lifts, and watercraft, handled by someone who has written them before.
Looking for something else in Scott County? See all trades in Scott County Homeowners Insurance across Minnesota and Wisconsin
The Service Agency
Scott County's Only TenPenny Vetted Insurance Agency
25 Years Experience. 4.8 Google Rating. Serving MN & WI Homeowners. Independent. Local. Trusted.
Home Insurance, Auto Insurance, RV Insurance, Motorcycle Insurance, and more
- Serving Scott County and the surrounding communities.
- 369 West Main Street, Ellsworth WI 54011
What TenPenny Vetted means
Vetted means one exclusive pro per county for this trade. Before anyone earns the badge, our checks include:
- State licensing. Current licenses confirmed with the state.
- Insurance. Active liability and workers' comp coverage checked.
- Customer reviews. Real reviews and references confirmed, not just a star count.
- Owner interview. A real conversation with the owner about how they run the business and treat customers.
What it costs
| Job | Typical range |
|---|---|
| Annual Premium | $1,000 - $2,500 per year |
| Monthly | $85 - $210 |
| Basic HO-3 Policy | $1,200 - $2,500 |
| Enhanced Coverage | $1,800 - $3,500 |
| Water Backup Endorsement | $50 - $250 per year |
| Extended Replacement Cost | $100 - $300 per year |
| Umbrella Policy | $200 - $500 per year |
| Flood Insurance | $400 - $1,500 per year |
Regional note: Twin Cities metro trends higher than rural areas.
Cost estimates updated July 2026. Estimates only; get a firm quote from a local contractor.
What affects your price
Your quote depends on more than square footage. In Scott County, these are the details that move the price:
- Home value
- Coverage levels
- Deductible amount
- Permits and local inspection requirements
- Seasonal timing and crew availability
Common questions
How much is homeowners insurance in Scott County?
Annual premiums in the area typically run $1,000 to $2,500, based on home value, roof age, coverage, and claims history.
Does my policy cover hail and storm damage?
Most policies cover sudden storm and hail damage, though roof age and deductibles vary. Review your policy before storm season with a local agent.
What should Scott County home insurance cover?
A Scott County policy should cover wind, hail, and winter risks like burst pipes and ice-dam water damage, on top of fire and liability. Ask how roof claims are paid, since replacement value versus depreciated value changes your out-of-pocket a lot.
Does home insurance cover ice dams in Scott County?
Many Scott County policies cover sudden ice-dam water damage inside the home, though gradual leaks and the ice removal itself may not be. Read the water-damage section and ask your agent to spell out the limits.
How can I lower home insurance costs in Scott County?
Raising your deductible, bundling auto and home, and keeping the roof and electrical updated can lower a Scott County premium. Documenting recent upgrades gives the insurer reasons to price the policy down.
Homeowners Insurance nearby
Homeowners Insurance in Scott County cities
- Homeowners Insurance in Jordan
- Homeowners Insurance in Prior Lake
- Homeowners Insurance in Savage
- Homeowners Insurance in Shakopee
Nearby counties
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