Searching for Homeowners Insurance in 55428

If you are a homeowners that lives in 55428 you may be searching for more affordable homeowners insurance in Minneapolis. Insurance rates can change on a yearly basis so if your current insurer has raised your rates recently it may be time to shop your coverage and we can help.

GetHomeInsuranceQuotes.com makes shopping your insurance policy quick and easy for residents of Minneapolis, MN. All you have to do is enter a bit of information about your home and we will gather 12 quotes from nationwide insurers, making sure that you get the best coverage levels and rates available.

Our Minnesota licensed agents will provide a free consultation to make sure you are fully protected as well as answer any questions you may have about policy options. Insurance can be complicated so it pays to have a professional walk you through your various policy choices. As always, our service is free.

Getting started is easy. Click the "Get Multiple Quotes Now" button, verify your zip code and start saving.

Get 55428 Home Insurance Rate Quotes Right Now!

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Minneapolis, MN home insurance quotes in your local city and review the most competitive coverages and premiums.

Check Out 55428 Home Insurance Costs: high!

In Minneapolis, homeowners are paying roughly $1096 per year for a HO-3 policy which is considered the standard for a single family home. In order to find the best policy at the best price, we compare rates from some of the most competitive insurers and present you with your best options for homeowners insurance coverage in 55428 zip code.

Our service is free and we never spam our clients so you only receive the information that you request. While all situations are different, in most cases, homeowners in Minneapolis are saving up to 40 percent on their policy costs by using GetHomeInsuranceQuotes.com.

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Average Building Cost Per Square Foot in 55428: $188

Average Square Footage in 55428: 1,218 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 55428 before you start any project. Minneapolis homeowners pay on average around $188 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 55428 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 55428 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,218 sq. ft. and the average cost to rebuild the home in this area is around $188 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Minneapolis area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

It's important to understand that when you estimate your replacement cost of your home in the 55428 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

C F Lake & Co Inc

Allstate Insurance - Mike Polack

Allstate Insurance - Mike Polack

American Family Insurance Sharon Archambault - Agents- Brooklyn Center- Archambault Sh

Mulla Ins Agcy Inc - State Farm Insurance Agent

Farmers Insurance & Investments

Allstate Insurance Companies

Household Data for 55428

The average number of homes in 55428 is around 12,341, there are an average of 2.52 per household. The average house value according to local real estate values is around $229,000. Please review the following demographics below for average income and media age.

• How can I lower my homeowners insurance rate? Posted on Monday 18th August, 2025

  According to a recent report from the National Association of Realtors, homeowner insurance premiums have jumped up 10% since last year which follows a similar increase in 2023. Premium increases were even higher in states where severe weather and wildfires were more common.  In a recent AOL.com article, Paul Burns commented on how he had […]

• 5 Perils Not Covered by Homeowners Insurance Posted on Tuesday 29th July, 2025

  Homeowners insurance is an absolute necessity to protect your home and its contents. If you have a mortgage on your home, it is also required. While homeowners insurance offers plenty of protection, there are gaps in coverage that you should be aware of because they can lead to massive out of pocket costs if you […]

• Compare 2025 Homeowners Insurance Rates in Every State Posted on Thursday 24th July, 2025

  According to a recent study by Insurify, homeowners in every state will be paying more for insurance coverage by the end of the year.  The study found that climate change fueled natural disaster are the main cause of ever-increasing homeowner premiums. Wildfires out west, hailstorms in the Midwest and hurricanes and flooding in the South […]