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56226 Home Insurance Rates
Getting multiple homeowners insurance rates in 56226 is the best way to review and compare all the coverage options available for you, your home and your family. Our homeowners rates are very competitive for homeowners living in the great city of Clontarf, MN. Many homeowners based out of the 56226 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. We can compare up to 12 competitive home insurance rates for you all in one place. Plus, our home insurance quotes are free and our Minnesota licensed home insurance professionals can provide a free consultation service to you that allows you to ask questions about which policy and coverage package is best for you. To get free home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 56226 should appear in the zip code field ready to go. For Clontarf, MN Home Insurance Quotes, Click to easily get started!
56226 Homeowners Insurance Rates, Average Rating: High!
Your homeowners insurance policy in 56226 consists of both property and casualty insurance coverage. This type of policy will insure your home against a variety of risks, including fire, theft and windstorm damage. Additional protection is also included in most policies that offer liability coverage against accidents that may injure other people on your property in Clontarf. For a basic HO-3, standard homeowners policy, the average premium per year in Minnesota is around $1124. By shopping your home insurance with us at GetHomeInsuranceQuotes.com, we can help you compare the most affordable rates and enhanced coverage options. Please enter your 56226 zip code today and let us help you save time and money on your homeowners insurance premium.
56226 Home Insurance Average Premiums
$874 /yr.
Shows Zip Code: 56226 lowest rates with discounts applied on average.
For the 56226, 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) | $874 /yr. |
| Average Coverage: | $1124 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1424 /yr. |
What is the average home insurance cost for a home in 56226?
- • The average homeowners insurance premium paid annually for a home in 56226 is around $1124 per year.
What does it cost on average per month for home insurance in 56226?
- • Homeowners in 56226 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 56226?
- • Autoowners in 56226 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 Clontarf, check out other zip codes nearby 56226.
To review average rates in another zip code, click on a zip code below:
56226 |
Home Replacement Cost Coverage in 56226
Average Building Cost Per Square Foot in 56226: $188
Location: Clontarf, Minnesota (Swift County)Average Square Footage in 56226: 937 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 56226 before you start any project. Clontarf 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 56226 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 56226 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 937 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 Clontarf 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 | 937 | $176,100 |
| Additional Upgrades & Added Features | $235 | 937 | $220,125 |
| Major Home Updates or Advancements | $282 | 937 | $264,150 |
It's important to understand that when you estimate your replacement cost of your home in the 56226 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 56226
Best Home & Auto Insurance Agencies in 56226
Housing Demographics for 56226
Population Review for 56226 Zip Code
For the city of Clontarf, the population within 56226 has increased to over 123 residents in population size. The current population total is 222. We have broken down the population based on race below. In 56226, there are over 124 in male population and 98 females.
| Population | Values |
|---|---|
| Total Population | 222 |
| White Population | 215 |
| Black Population | 0 |
| Hispanic Population | 5 |
| Asian Population | 0 |
| Hawaiian Population | 0 |
| Indian Population | 0 |
| Other Population | 1 |
| Male Population | 124 |
| Female Population | 98 |
| Population Estimate | 123 |
Household Data for 56226
The average number of homes in 56226 is around 97, there are an average of 2.29 per household. The average house value according to local real estate values is around $176,100. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 97 |
| Persons Per Household | 2.29 |
| Average House Value | $176,100 |
| Income Per Household | $76500 |
| Median Age | 40.7 |
| Median Age Male | 45.0 |
| Median Age Female | 39.0 |
| 56226 Details | Values |
|---|---|
| State | MN |
| State Full Name | Minnesota |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 320 |
| City | Clontarf |
| City Alias Name | CLONTARF |
| County | Swift |
| County FIPS | 151 |
| State FIPS | 27 |
| Time Zone | 6 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | |
| CBSA_DIV | |
| CBSA_Type | |
| CBSA_Name | |
| MSA_Name | |
| PMSA_Name | |
| Region | Midwest |
| Division | West North Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 5 |
| Number Of Employees | 48 |
| Business First Quarter Payroll | 614 |
| Business Annual Payroll | 2788 |
| 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 | 0 |
| CBSA Division Population | 0 |
| Congressional District | 07 |
| Congressional LandArea | 33429.31 |
| Delivery Residential | 54 |
| Delivery Business | 1 |
| Delivery Total | 105 |
| Preferred Last Line Key | Y25030 |
| Classification Code | |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | Y25030 |
| Land Area | 35.768000 |
| Water Area | 0.057000 |
| City Alias Code | |
| City Mixed Case | Clontarf |
| City Alias Mixed Case | Clontarf |
| Box Count | 44 |
| SFDU | 54 |
| MFDU | 0 |
| State ANSI | 27 |
| County ANSI | 151 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 261860 |
| Unique ZIP Name | |
| SSA State County Code | 24750 |
| Medicare CBSA Code | 99924 |
| Medicare CBSA Name | Rural Areas in MN |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 5 |
| County Mixed Case | Swift |
Minnesota Homeowners Insurance News & Information
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What causes North Carolina home insurance to go up? Posted on Monday 7th July, 2025
A homeowner in North Carolina was greeted with a nasty surprise this year, a 41% increase in his insurance premium. On average, homeowners in North Carolina saw a rate jump of 7.5% on June 1st due to a settlement reached by the North Carolina Department of Insurance but this certainly doesn’t explain a 41% increase. Doug Corkhill is […]
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Is the U.S. Home Buying Market Going to Drop in 2025? Posted on Friday 4th July, 2025
A recent report from the Harvard Joint Center for Housing Studies found that U.S. homebuying has dropped to its lowest levels since the mid-1990s. The report, The State of the Nation’s Housing 2025 blames record high real estate prices combined with higher interests for the drop in home sales. While high home prices and elevated interest rates […]
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Florida Homeowners Are Concerned About Property Insurance Crisis Posted on Tuesday 1st July, 2025
Insurance rates are rising at unprecedented rates, causing millions of people to struggle with the new premiums. In the last three years, insurance rates have doubled in some areas. Homeowners fear for their houses while their representatives in Congress struggle to help. Insurers are pulling out of states like Florida as damaging hurricanes and powerful […]