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If you live in the 55723 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of Cook have saved hundreds of dollars on their annual premium when using GetHomeInsuranceQuotes.com.
Our service is always free and we not only find a great policy for you, our MN licensed agents will provide you with a free consultation to discuss your coverage needs and answer any questions you may have regarding policy coverages or rates.
It is easy to start shopping for a new policy, just click on the "Get Multiple Quotes Now" button below, confirm your 55723 and then compare quotes from a variety of nationwide insurance companies.
55723 Average Homeowners Insurance Rates
If you are shopping for a HO-3 policy, which is considered the standard when it comes to homeowners insurance, we can help. In 55723 the average premium for homeowners coverage is $1096 which compares very well to the national average of $1,249.
Our site makes it easy for you to find the insurer that offers the best coverage at the best rate in 55723. We are happy to answer any questions you may have and explain the different type of coverage while helping you determine what coverage levels are best for your family.
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We can help you find up to 12 homeowners insurance quotes quickly and from the comfort of your own home. In addition, we can do a discount review to make sure you are getting all available discounts on your policy.
Click to review the best Cook, MN home insurance quotes in your area.
55723 Home Insurance Average Premiums
$846 /yr.
Shows Zip Code: 55723 lowest rates with discounts applied on average.
For the 55723, 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) | $846 /yr. |
| Average Coverage: | $1096 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1396 /yr. |
What is the average home insurance cost for a home in 55723?
- • The average homeowners insurance premium paid annually for a home in 55723 is around $1096 per year.
What does it cost on average per month for home insurance in 55723?
- • Homeowners in 55723 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 55723?
- • Autoowners in 55723 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 Cook, check out other zip codes nearby 55723.
To review average rates in another zip code, click on a zip code below:
55723 |
Home Replacement Cost Coverage in 55723
Average Building Cost Per Square Foot in 55723: $188
Location: Cook, Minnesota (Saint Louis County)Average Square Footage in 55723: 812 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 55723 before you start any project. Cook 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 55723 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 55723 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 812 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 Cook 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $188 | 812 | $152,600 |
| Additional Upgrades & Added Features | $235 | 812 | $190,750 |
| Major Home Updates or Advancements | $282 | 812 | $228,900 |
It's important to understand that when you estimate your replacement cost of your home in the 55723 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 55723
Best Home & Auto Insurance Agencies in 55723
Waggoner- Ronald H
Address: 219 S River St Cook, MN 55723Phone:
Website:
Info:
Johnson, Tim - State Farm Insurance Agent
Address: 221 Highway 53 Cook, MN 55723Phone:
Website: http://www.duluth.citysearch.com/profile/external/5623729/cook_mn/johnson_tim_state_farm_insurance_agent.html
Info:
Housing Demographics for 55723
Population Review for 55723 Zip Code
For the city of Cook, the population within 55723 has increased to over 2,291 residents in population size. The current population total is 2,222. We have broken down the population based on race below. In 55723, there are over 1089 in male population and 1133 females.
| Population | Values |
|---|---|
| Total Population | 2,222 |
| White Population | 2045 |
| Black Population | 8 |
| Hispanic Population | 23 |
| Asian Population | 7 |
| Hawaiian Population | 1 |
| Indian Population | 32 |
| Other Population | 18 |
| Male Population | 1089 |
| Female Population | 1133 |
| Population Estimate | 2291 |
Household Data for 55723
The average number of homes in 55723 is around 1,052, there are an average of 2.05 per household. The average house value according to local real estate values is around $152,600. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 1,052 |
| Persons Per Household | 2.05 |
| Average House Value | $152,600 |
| Income Per Household | $61193 |
| Median Age | 56.7 |
| Median Age Male | 57.2 |
| Median Age Female | 56.3 |
| 55723 Details | Values |
|---|---|
| State | MN |
| State Full Name | Minnesota |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 218 |
| City | Cook |
| City Alias Name | COOK |
| County | Saint Louis |
| County FIPS | 137 |
| State FIPS | 27 |
| Time Zone | 6 |
| Day Light Saving | Y |
| MSA | 2240 |
| PMSA | |
| CSA | 228 |
| CBSA | 20260 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Duluth, MN-WI |
| MSA_Name | Duluth-Superior, MN-WI MSA |
| PMSA_Name | |
| Region | Midwest |
| Division | West North Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 94 |
| Number Of Employees | 643 |
| Business First Quarter Payroll | 5804 |
| Business Annual Payroll | 28738 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 279771 |
| CBSA Division Population | 0 |
| Congressional District | 08 |
| Congressional LandArea | 27908.13 |
| Delivery Residential | 1118 |
| Delivery Business | 51 |
| Delivery Total | 1509 |
| Preferred Last Line Key | Y25060 |
| Classification Code | |
| Multi-County | Y |
| CSA Name | Duluth-Grand Rapids, MN-WI |
| CBSA_DIV_Name | |
| City State Key | Y25060 |
| Land Area | 393.704000 |
| Water Area | 23.209000 |
| City Alias Code | |
| City Mixed Case | Cook |
| City Alias Mixed Case | Cook |
| Box Count | 256 |
| SFDU | 1041 |
| MFDU | 75 |
| State ANSI | 27 |
| County ANSI | 137 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | D |
| Finance Number | 262010 |
| Unique ZIP Name | |
| SSA State County Code | 24680 |
| Medicare CBSA Code | 20260 |
| Medicare CBSA Name | Duluth, MN-WI |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 2 |
| County Mixed Case | Saint Louis |
Minnesota Homeowners Insurance News & Information
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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 […]
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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 […]
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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. […]