Lakeland, MN Home Insurance - How Can I Get it Cheap

Here are some techniques one should use to buy Lakeland, MN home insurance & get cheap rates.

1) Insure Personal Belongings In Your Lakeland, MN Homeowners Insurance Coverage

Example Personal Belongings Category Price
Room Magic Natural 5 Piece Bedroom Set, Tropical Sea Beds $1,329.00
Southbend Range 5393-1, Gear Set Kit Stove $2,412.60
SONOS PLAY:5 Wireless Speaker for Streaming Music (Black) Speakers $399.00
CPU Solutions Intel i7 3.6ghz Quad Core (Liquid Cooled) PC. 32GB RAM, 1TB HDD & 250GB SSD, Windows 8.1, GTX960 w/2GB, 1000W PS, NZXT Phantom 410 White Personal Computer $2,099.99
JZ Microphones, Flamingo Black Hole Series BH-1S Condenser Microphone, Multipattern Musical Instruments $4,399.00
Mobital Alure Folding Dining Table & Sofa Table - High Gloss White Home $820.13
Harcourt Dining Table Set for 4, Made with Durable Rubber Wood, Includes 4 Upholstered Chairs Furniture $379.99
Briggs & Stratton 40400 12000-Watt Home Standby Generator System with 200-Amp Automatic Transfer Switch Lawn & Patio $4,539.99
48" John Deere Pallet Fork Attachment 200,300,400,500 Loaders deer Home Improvement $995.00
Bakers Pride Cyclone GDCO-E1 Full Size Single Electric Convection Oven, 38 1/8 x 38 x 58 1/4 inch -- 1 each. Kitchen $7,963.00

2) Home Security Systems Lowers Your Lakeland, MN Home Insurance

Example Home Security Systems Price
GW Security 8 Camera 1080P PoE IP CCTV Kit : 6 x 1080P IP PoE 2.8-12mm Bullet Cameras + 2 x 1080P Auto Tracking IP PTZ 4.7 ~ 94mm 20X Optical Zoom + 1x 8 Channel 1080P NVR + 1x 4TB HDD *** High Definition Video Surveillance For Your Home or Business $3,400.00
GWSecurity 32CH400WHD 32 Channel DVR + 24 x 1000TVL (720P) Vari-Focal Zoom 147 feet IR Outdoor / Indoor Security Camera System with Pre-Installed 4TB Hard Drive $4,200.00
Complete 4 Channel HD-CVI HD Security Surveillance System - 1080p on all channels - 4x 2MP Megapixel Vandal Dome Cameras - 4 Channel power Distribution Box - 500' Siamese Cable - NO HARD DRIVE $930.51
Optex SIP-5030 Redwall SIP PIR Detector 165 x 100 Feet $0.00
GW Security VD-12CHT3 16-Channel HD-TVI DVR 12 x 1/3 1.3MP Camera, 2.8 to 12mm Lens, 720P Video Output Mode $2,350.00
LaView LV-KN996P1612A4-T3 Premium IP 16 Channel Security System with 12 IP 1080P Security Cameras, 3 TB HDD (White) $2,499.00
JideTech Surveillance Systems Wireless 1080P With Varifocal Lens Wifi Camera and 3TB HDD $1,699.00
USG 36 Channel 1080P PoE IP CCTV Kit: 24x 1080P IP PoE 2.8-12mm Bullet Cameras + 1x 36 Channel 1080P NVR + 1x 24 Channel 1080P NVR + 4x 9 Port PoE Switches + 3x 3TB HDD *** High Definition Video Surveillance For Your Home or Business $5,599.99
VideoSecu 8 x Built-in 1/3'' Sony Effio CCD Dome Security Cameras 600TVL Wide Angle View Lens for CCTV DVR Home Surveillance System with 2 of 4 Channel Power Supplies and Security Warning Stickers CC5 $1,199.99
WowWee Rovio Wi-Fi Enabled Robotic WebCam $229.99

3) Stop Smoking to Reduce Your Lakeland, MN Home Insurance

County Percentage of smokers
Washington county including Lakeland, Newport, Forest Lake, Lakeland Shores, Denmark 15%
Polk county including Gentilly, Farley, Keystone, Columbia, Crookston 24%
Cass county including Loon Lake, Backus, Torrey, Walden, East Gull Lake 16%
Stearns county including Lynden, Holdingford, St. Wendel, Meire Grove, Munson 14%
Otter Tail county including Tordenskjold, Ottertail, Star Lake, Tumuli, Rush Lake 17%
Pennington county including Pennington County, Highlanding, Polk Centre, River Falls, Black River 19%
Scott county including New Market, Elko New Market, Cedar Lake, Savage, Blakeley 13%
Aitkin county including Macville, Lakeside, Palisade, Libby, Aitkin 14%
Goodhue county including Roscoe, Goodhue, Welch, Hay Creek, Cherry Grove 19%
Lyon county including Eidsvold, Clifton, Westerheim, Lyon County, Custer 18%
Carlton county including Perch Lake, Wrenshall, North Carlton, Atkinson, Lakeview 16%

4) Seniors Get More Home Insurance Discounts in Lakeland, MN

Senior Population in Lakeland, MN compared to similar areas eligible for home insurance
Place 55-60 Years 60-70 Years >70 Years
Lakeland 148 187 120
Bayport 232 274 383
Oxford 66 84 77
Deephaven 397 469 292
Centerville 114 166 187
Mahtomedi 745 590 756
St. Bonifacius 184 211 167
Cedar Lake 117 286 136
West St. Paul 1485 1883 2736
Forest 108 141 70
Spring Park 130 174 456