55807, MN Home Insurance

In the zip code of 55807, the population size is around 9,674, which consists of 4,380 occupied homes in your area. We often hear homeowners ask us what the average home insurance premiums are for residence living in Duluth, MN. A few years ago, a study was done and found that the average home insurance rates for Minnesota are around $1,130 per year for a standard homeowners policy. At GetHomeInsuranceQuotes.com, we help homeowners find cheaper rates and better coverage for an existing or new home purchase opportunity. We have partnered with 12 major home insurance companies that have the most competitive rates for homes in the 55807 zip code location. Our savings model helps you not only save up to 40% or more, but also includes enhanced coverage options to help protect your home and family while livings in Duluth. If you enter your zip code for the home you would like to shop and compare rates for today, we can help you review the premiums and coverage online or over the phone. Give us a call now at 1-855-976-2656 so we can help you compare rates today!

If you would like to review more information on rates within your area, please click Duluth, MN Homeowners Insurance Online Rates Today!

55807 Home Insurance Average Premiums

Local 55807 homeowners insurance quotes comparison

$880 /yr.

Shows Zip Code: 55807 lowest rates with discounts applied on average.

For the 55807, 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)	$880 /yr.
Average Coverage:	$1130 /yr.
2600 sq. ft. or higher (all discounts applied)	$1430 /yr.

What is the average home insurance cost for a home in 55807?

• The average homeowners insurance premium paid annually for a home in 55807 is around $1130 per year.

What does it cost on average per month for home insurance in 55807?

• Homeowners in 55807 pay a monthly average cost per month around $94.00.

What kind of discount could I get if I combine my home and auto insurance together in 55807?

• Autoowners in 55807 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.

For shopping home insurance rates within the Duluth area, check out other zip codes nearby 55807.
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55808 homeowners insurance rates

Home Replacement Cost Coverage in 55807

Average Building Cost Per Square Foot in 55807: $188

Location: Duluth, Minnesota (Saint Louis County)

Average Square Footage in 55807: 718 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 55807 before you start any project. Duluth 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 55807 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 55807 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 718 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 Duluth 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	718	$134,900
Additional Upgrades & Added Features	$235	718	$168,625
Major Home Updates or Advancements	$282	718	$202,350

Calculate Your Dwelling Coverage in 55807

It's important to understand that when you estimate your replacement cost of your home in the 55807 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 Home & Auto Insurance Agencies in 55807

Jablonski- James C - State Farm Insurance Agent

Address: 326 N Central Ave Duluth, MN 55807
Phone:
Website:
Info:

American Family Insurance- Shane Cass

Address: 5322 Grand Ave Duluth, MN 55807
Phone:
Website: http://www.duluth.citysearch.com/profile/external/604672532/duluth_mn/american_family_insurance_shane_cass.html
Info:

Gardner , Christopher Lee - Allstate Insurance Company

Address: 416 N Central Ave Duluth, MN 55807
Phone:
Website: http://www.duluth.citysearch.com/profile/external/602865342/duluth_mn/gardner_christopher_lee_allstate_insurance_company.html
Info:

American Family Insurance - Shane Cass

Address: 323 N Central Ave, Ste A Duluth, MN 55807
Phone:
Website: http://www.duluth.citysearch.com/profile/external/41532595/duluth_mn/american_family_insurance_shane_cass.html
Info:

Coen- Susan L - State Farm Insurance Agent

Address: 5600 Grand Ave Duluth, MN 55807
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Housing Demographics for 55807

Population Review for 55807 Zip Code

For the city of Duluth, the population within 55807 has increased to over 9,767 residents in population size. The current population total is 9,674. We have broken down the population based on race below. In 55807, there are over 4722 in male population and 4952 females.

Population	Values
Total Population	9,674
White Population	8330
Black Population	281
Hispanic Population	200
Asian Population	68
Hawaiian Population	6
Indian Population	265
Other Population	29
Male Population	4722
Female Population	4952
Population Estimate	9767

Household Data for 55807

The average number of homes in 55807 is around 4,380, there are an average of 2.17 per household. The average house value according to local real estate values is around $134,900. Please review the following demographics below for average income and media age.

Housing / Income Data	Values
Households Per Zipcode	4,380
Persons Per Household	2.17
Average House Value	$134,900
Income Per Household	$49989
Median Age	39.3
Median Age Male	38.3
Median Age Female	40.5

55807 Details	Values
State	MN
State Full Name	Minnesota
City Type	P
City Alias Abbreviation
Area Code	218
City	Duluth
City Alias Name	DULUTH
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	290
Number Of Employees	4898
Business First Quarter Payroll	54805
Business Annual Payroll	270825
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	4501
Delivery Business	320
Delivery Total	4963
Preferred Last Line Key	Y25162
Classification Code
Multi-County
CSA Name	Duluth-Grand Rapids, MN-WI
CBSA_DIV_Name
City State Key	Y25162
Land Area	5.789000
Water Area	1.757000
City Alias Code
City Mixed Case	Duluth
City Alias Mixed Case	Duluth
Box Count	60
SFDU	3924
MFDU	485
State ANSI	27
County ANSI	137
ZIP Intro
Alias Intro
Facility Code	P
City Delivery Indicator	Y
Carrier Route Rate Sortation	D
Finance Number	262590
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

Largest Insurer in California – Travelers Announces Home Insurance Rates Going Up 15% Posted on Monday 20th May, 2024
Travelers Insurance, which is one of the largest insurers in California, recently announced that they will be raising premiums by an average of 15% in the Golden State. This is just the latest rate increase or policy limitation by major insurance companies who blame the increases on spreading wildfire risks, inflation, and the cost of […]
Should I raise my deductible to $10,000 to help offset the cost of rising premiums? Posted on Wednesday 15th May, 2024
According to industry reports, homeowners are raising their deductibles to $5,000 to $10,000 to help offset the cost of rising premiums. While raising a deductible into the stratosphere will absolutely lower your homeowner insurance premium, it does mean that you will have to cover your deductible amount in the event you have to make a […]
Should I choose the minimum or maximum homeowners insurance coverage? Posted on Monday 13th May, 2024
As homeowner insurance rates rise across the country, some homeowners are opting for policies that offer minimal coverage to keep their premiums affordable. Unfortunately, this choice will leave them at higher risk and in a position where they may have to pay more out of pocket if they have to make a claim on their […]

Home Insurance Quotes in 55807!