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55812 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 55812 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 Duluth, MN quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 55812.
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If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 55812 and start shopping.
Quickly and Easily Compare Average Rates for 55812
You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Duluth, MN home insurance quotes in your local city and review the most competitive coverages and premiums.
Average Policy Rates in 55812
Homeowners in Duluth are paying roughly $1140 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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55812 Home Insurance Average Premiums
$890 /yr.
Shows Zip Code: 55812 lowest rates with discounts applied on average.
For the 55812, 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) | $890 /yr. |
| Average Coverage: | $1140 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1440 /yr. |
What is the average home insurance cost for a home in 55812?
- • The average homeowners insurance premium paid annually for a home in 55812 is around $1140 per year.
What does it cost on average per month for home insurance in 55812?
- • Homeowners in 55812 pay a monthly average cost per month around $95.00.
What kind of discount could I get if I combine my home and auto insurance together in 55812?
- • Autoowners in 55812 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 Duluth, check out other zip codes nearby 55812.
To review average rates in another zip code, click on a zip code below:
55808 | 55814 | 55806 | 55802 | 55805 | 55811 | 55807 | 55812 | 55804 | 55810 |
Home Replacement Cost Coverage in 55812
Average Building Cost Per Square Foot in 55812: $188
Location: Duluth, Minnesota (Saint Louis County)Average Square Footage in 55812: 1,267 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 55812 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 55812 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 55812 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,267 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 | 1,267 | $238,200 |
| Additional Upgrades & Added Features | $235 | 1,267 | $297,750 |
| Major Home Updates or Advancements | $282 | 1,267 | $357,300 |
It's important to understand that when you estimate your replacement cost of your home in the 55812 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 55812
Best Home & Auto Insurance Agencies in 55812
American Family Insurance- Garver, Jon
Address: 2002 London Rd Duluth, MN 55812Phone:
Website: http://www.duluth.citysearch.com/profile/external/616769430/duluth_mn/american_family_insurance_garver_jon.html
Info:
Allstate Insurance Companies
Address: 1711 London Rd Duluth, MN 55812Phone:
Website:
Info:
Michael Phillips- Farmers Insurance
Address: 1515 London Rd, Ste 2 Duluth, MN 55812Phone:
Website: http://www.duluth.citysearch.com/profile/668146670/duluth_mn/michael_phillips_farmers_insurance.html
Info:
Mary Jacobson-Farmers Insurance
Address: 1515 London Rd, #2 Duluth, MN 55812Phone:
Website:
Info:
Housing Demographics for 55812
Population Review for 55812 Zip Code
For the city of Duluth, the population within 55812 has increased to over 8,482 residents in population size. The current population total is 10,571. We have broken down the population based on race below. In 55812, there are over 5332 in male population and 5239 females.
| Population | Values |
|---|---|
| Total Population | 10,571 |
| White Population | 8602 |
| Black Population | 809 |
| Hispanic Population | 423 |
| Asian Population | 207 |
| Hawaiian Population | 7 |
| Indian Population | 176 |
| Other Population | 180 |
| Male Population | 5332 |
| Female Population | 5239 |
| Population Estimate | 8482 |
Household Data for 55812
The average number of homes in 55812 is around 3,557, there are an average of 2.31 per household. The average house value according to local real estate values is around $238,200. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 3,557 |
| Persons Per Household | 2.31 |
| Average House Value | $238,200 |
| Income Per Household | $54409 |
| Median Age | 23.7 |
| Median Age Male | 23.0 |
| Median Age Female | 24.6 |
| 55812 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 | 177 |
| Number Of Employees | 2002 |
| Business First Quarter Payroll | 13248 |
| Business Annual Payroll | 61743 |
| 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 | 3672 |
| Delivery Business | 145 |
| Delivery Total | 5084 |
| 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 | 1.936000 |
| Water Area | 0.666000 |
| City Alias Code | |
| City Mixed Case | Duluth |
| City Alias Mixed Case | Duluth |
| Box Count | 0 |
| SFDU | 2895 |
| MFDU | 777 |
| 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
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Homeowners in Florida Finally See Relief From Higher Insurance Costs Posted on Wednesday 27th August, 2025
According to a recent Realtor.com article, homeowners in Florida, at least some of them, may finally seem some relief from higher homeowner insurance costs. Florida Peninsula Insurance which is one of the largest private party property insurers recently announced that it is hoping to significantly lower premiums for roughly 170,000 policyholders. Florida Peninsula has filed […]
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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 […]
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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 […]