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55722 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 55722 zip code find a great new policy that offers the coverage they need at a price they can afford.

GetHomeInsuranceQuotes.com makes shopping for a new policy in Coleraine, MN quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 55722.

Shopping for insurance quotes on GetHomeInsuranceQuotes.com is always free and we will provide you with a free consultation to answer any questions you may have about coverages and rates.

If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 55722 and start shopping.

Quickly and Easily Compare Average Rates for 55722

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

Average Policy Rates in 55722

Homeowners in Coleraine are paying roughly $1095 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

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55722 Home Insurance Average Premiums

Local 55722 homeowners insurance quotes comparison

$845 /yr.

Shows Zip Code: 55722 lowest rates with discounts applied on average.

For the 55722, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)		$845 /yr.
Average Coverage:$1095 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1395 /yr.

What is the average home insurance cost for a home in 55722?

  • • The average homeowners insurance premium paid annually for a home in 55722 is around $1095 per year.

What does it cost on average per month for home insurance in 55722?

  • • Homeowners in 55722 pay a monthly average cost per month around $91.00.

What kind of discount could I get if I combine my home and auto insurance together in 55722?

  • • Autoowners in 55722 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

You can easily shop and compare home insurance rates within Coleraine, check out other zip codes nearby 55722.
To review average rates in another zip code, click on a zip code below:
55722  | 

Home Replacement Cost Coverage in 55722

Average Building Cost Per Square Foot in 55722: $188

Location: Coleraine, Minnesota (Itasca County)

Average Square Footage in 55722: 635 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 55722 before you start any project. Coleraine 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 55722 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 55722 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 635 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 Coleraine 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.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$188635$119,300
Additional Upgrades & Added Features$235635$149,125
Major Home Updates or Advancements$282635$178,950

It's important to understand that when you estimate your replacement cost of your home in the 55722 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.

Best Homeowners Insurance Agencies in 55722

Best Home & Auto Insurance Agencies in 55722

Housing Demographics for 55722

Population Review for 55722 Zip Code

For the city of Coleraine, the population within 55722 has increased to over 0 residents in population size. The current population total is 1,169. We have broken down the population based on race below. In 55722, there are over 548 in male population and 621 females.

PopulationValues
Total Population1,169
White Population1034
Black Population8
Hispanic Population23
Asian Population3
Hawaiian Population0
Indian Population31
Other Population1
Male Population548
Female Population621
Population Estimate0

Household Data for 55722

The average number of homes in 55722 is around 463, there are an average of 2.50 per household. The average house value according to local real estate values is around $119,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode463
Persons Per Household2.50
Average House Value$119,300
Income Per Household$54167
Median Age37.2
Median Age Male36.0
Median Age Female37.9
55722 DetailsValues
StateMN
State Full NameMinnesota
City TypeZ
City Alias Abbreviation
Area Code218
CityColeraine
City Alias NameCOLERAINE
CountyItasca
County FIPS061
State FIPS27
Time Zone6
Day Light SavingY
MSA
PMSA
CSA228
CBSA24330
CBSA_DIV
CBSA_TypeMicro
CBSA_NameGrand Rapids, MN
MSA_Name
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses26
Number Of Employees112
Business First Quarter Payroll1295
Business Annual Payroll6183
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District08
Congressional LandArea27908.13
Delivery Residential0
Delivery Business0
Delivery Total596
Preferred Last Line KeyY25044
Classification CodeP
Multi-County
CSA NameDuluth-Grand Rapids, MN-WI
CBSA_DIV_Name
City State KeyY25044
Land Area1.222000
Water Area0.012000
City Alias Code
City Mixed CaseColeraine
City Alias Mixed CaseColeraine
Box Count526
SFDU0
MFDU0
State ANSI27
County ANSI061
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number261930
Unique ZIP Name
SSA State County Code24300
Medicare CBSA Code99924
Medicare CBSA NameRural Areas in MN
Medicare CBSA TypeMicro
Market Rating Area ID2
County Mixed CaseItasca

Minnesota Homeowners Insurance News & Information

  • Affordable Home Insurance Is Getting Very Hard to Find Posted on Tuesday 6th May, 2025

    According to a recent ValuePenguin study, homeowners are having a harder time finding affordable insurance due to the property insurance crisis spreading around the country.  The report found that a shocking two-thirds of homeowners have seen premium increases in 2024. Another 25% of homeowners said they were dropped by their insurance company which is a […]

  • Which state pays the highest home insurance premiums in 2025? Posted on Thursday 24th April, 2025

    Recently, Insurify released its third annual American Homeowner Insurance report which offers a detailed forecast of insurance trends in the U.S. for 2025.  States that have a high risk of wildfires and severe weather will see the largest increases in homeowners insurance premiums. According to the report, Louisiana will see the largest premium increases with […]

  • Top 10 States That Have the Highest Rates of Uninsured Homes Posted on Tuesday 22nd April, 2025

    As recent headlines have made clear, climate change has led to more frequent extreme weather events which has led to a rise in homeowner insurance claims. As insurers deal with an increased number of claims, they pass those additional costs onto homeowners via higher premiums, regardless of whether you have filed a claim or not.  […]