Hawkins Insurance Group
103 S First St, Edina, MO 63537
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103 S First St, Edina, MO 63537
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Edina residents.
Edina drivers pay $139/month for auto insurance. Learn about Minnesota's no-fault system, required PIP coverage, and how to save on your premium in this affluent suburb.
Home insurance in Edina typically costs more than the Minnesota state average due to higher property values. While the statewide average is projected to reach $4,058 in 2026, Edina homeowners should expect to pay more—potentially $4,500-$5,500 annually or higher—depending on their home's value, age, and coverage levels. Homes valued at $675,000 or more require substantial dwelling coverage, which drives up premium costs.
Wind and hail deductibles are separate, percentage-based deductibles that apply specifically to storm damage claims. In Minnesota, insurers commonly require 1-2% deductibles for these perils. On a $700,000 home, that means you're responsible for $7,000-$14,000 before coverage kicks in. This matters in Edina because severe storms with hail and high winds are increasingly common, and these deductibles can significantly increase your out-of-pocket costs after a storm.
Yes, standard homeowners insurance policies typically cover damage caused by ice dams, including water damage to your interior, walls, ceilings, and insulation. However, the policy generally won't pay to remove the ice dam itself—only to repair the damage it causes. Prevention is key: proper attic insulation and ventilation, along with prompt snow removal from your roof, can help you avoid ice dams entirely.
Older homes in neighborhoods like the Country Club District can present insurance challenges if they have outdated systems. Knob-and-tube wiring, aluminum wiring, galvanized steel plumbing, or aging heating systems may make coverage more expensive or harder to obtain. However, if you've updated these systems or maintained them meticulously, you can often secure competitive rates—and may even qualify for discounts. Be sure to inform your insurer about any upgrades you've made.
Start by bundling your home and auto insurance, which typically saves 15-25%. Shop around and compare quotes from at least three insurers, as rates vary significantly. Consider raising your standard deductible to $1,000 or $2,500 if you have adequate savings. Finally, invest in loss-prevention measures like a monitored security system, water leak detectors, or impact-resistant roofing, and make sure your insurer knows about these improvements.
Most Edina homes are not in high-risk flood zones, so flood insurance may not be required by your mortgage lender. However, flood damage is not covered by standard homeowners insurance, and flooding can occur anywhere—especially from heavy spring rains or snowmelt. If you live near a creek or in a low-lying area, purchasing a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a private insurer is worth considering for added peace of mind.
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