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56308 Home Insurance Rates
Getting multiple homeowners insurance rates in 56308 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 Alexandria, MN. Many homeowners based out of the 56308 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 56308 should appear in the zip code field ready to go. For Alexandria, MN Home Insurance Quotes, Click to easily get started!
56308 Homeowners Insurance Rates, Average Rating: High!
Your homeowners insurance policy in 56308 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 Alexandria. For a basic HO-3, standard homeowners policy, the average premium per year in Minnesota is around $1159. 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 56308 zip code today and let us help you save time and money on your homeowners insurance premium.
56308 Home Insurance Average Premiums
$909 /yr.
Shows Zip Code: 56308 lowest rates with discounts applied on average.
For the 56308, 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) | $909 /yr. |
| Average Coverage: | $1159 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1459 /yr. |
What is the average home insurance cost for a home in 56308?
- • The average homeowners insurance premium paid annually for a home in 56308 is around $1159 per year.
What does it cost on average per month for home insurance in 56308?
- • Homeowners in 56308 pay a monthly average cost per month around $97.00.
What kind of discount could I get if I combine my home and auto insurance together in 56308?
- • Autoowners in 56308 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 Alexandria, check out other zip codes nearby 56308.
To review average rates in another zip code, click on a zip code below:
56308 |
Home Replacement Cost Coverage in 56308
Average Building Cost Per Square Foot in 56308: $188
Location: Alexandria, Minnesota (Douglas County)Average Square Footage in 56308: 1,405 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 56308 before you start any project. Alexandria 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 56308 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 56308 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,405 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 Alexandria 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 | 1,405 | $264,200 |
| Additional Upgrades & Added Features | $235 | 1,405 | $330,250 |
| Major Home Updates or Advancements | $282 | 1,405 | $396,300 |
It's important to understand that when you estimate your replacement cost of your home in the 56308 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 56308
Martinson Insurance Agency
Address: 518 Hawthorne Street Alexandria, MN 56308Phone: (320)763-5546
Website: www.martinsoninsurance.com
Martinson Sound Productions
Address: 518 Hawthorne Street Alexandria, MN 56308Phone: (320)763-6518
Website:
Allstate Insurance - Bruce Gregersen
Address: 1116 Broadway Alexandria, MN 56308Phone: (320)763-3103
Website:
Soderholm Insurance Services
Address: 621 Hawthorne Street Alexandria, MN 56308Phone: (320)763-9231
Website:
Blue Cross and Blue Shield of Minnesota
Address: 518 Hawthorne Street Alexandria, MN 56308Phone: (320)763-6518
Website: www.bluecrossmn.com
Best Home & Auto Insurance Agencies in 56308
Domain, Nick - Allstate Insurance Company
Address: 1116 Broadway St, Ste 2 Alexandria, MN 56308Phone:
Website: http://www.national.citysearch.com/profile/external/5675327/alexandria_mn/domain_nick_allstate_insurance_company.html
Info:
M Scarborough Ins Agency Inc - State Farm Insurance Agent
Address: 218 3rd Ave E, #100 Alexandria, MN 56308Phone:
Website: http://www.mikescarborough.net
Info:
Allstate Insurance-Gregersen Agency
Address: 1116 Broadway St Alexandria, MN 56308Phone:
Website: http://www.agent.allstate.com/42504
Info:
Schuette- Dwain H
Address: 1306 Broadway St Alexandria, MN 56308Phone:
Website:
Info:
Housing Demographics for 56308
Population Review for 56308 Zip Code
For the city of Alexandria, the population within 56308 has increased to over 30,071 residents in population size. The current population total is 26,391. We have broken down the population based on race below. In 56308, there are over 12981 in male population and 13410 females.
| Population | Values |
|---|---|
| Total Population | 26,391 |
| White Population | 24783 |
| Black Population | 205 |
| Hispanic Population | 623 |
| Asian Population | 203 |
| Hawaiian Population | 9 |
| Indian Population | 95 |
| Other Population | 211 |
| Male Population | 12981 |
| Female Population | 13410 |
| Population Estimate | 30071 |
Household Data for 56308
The average number of homes in 56308 is around 11,384, there are an average of 2.26 per household. The average house value according to local real estate values is around $264,200. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 11,384 |
| Persons Per Household | 2.26 |
| Average House Value | $264,200 |
| Income Per Household | $68456 |
| Median Age | 43.8 |
| Median Age Male | 41.8 |
| Median Age Female | 46.2 |
| 56308 Details | Values |
|---|---|
| State | MN |
| State Full Name | Minnesota |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 320 |
| City | Alexandria |
| City Alias Name | ALEXANDRIA |
| County | Douglas |
| County FIPS | 041 |
| State FIPS | 27 |
| Time Zone | 6 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | 10820 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Alexandria, MN |
| MSA_Name | |
| PMSA_Name | |
| Region | Midwest |
| Division | West North Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 1026 |
| Number Of Employees | 15206 |
| Business First Quarter Payroll | 172703 |
| Business Annual Payroll | 795944 |
| 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 | 36009 |
| CBSA Division Population | 0 |
| Congressional District | 07 |
| Congressional LandArea | 33429.31 |
| Delivery Residential | 13306 |
| Delivery Business | 1001 |
| Delivery Total | 14621 |
| Preferred Last Line Key | Y24719 |
| Classification Code | |
| Multi-County | Y |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | Y24719 |
| Land Area | 155.854000 |
| Water Area | 37.262000 |
| City Alias Code | |
| City Mixed Case | Alexandria |
| City Alias Mixed Case | Alexandria |
| Box Count | 238 |
| SFDU | 9736 |
| MFDU | 2576 |
| State ANSI | 27 |
| County ANSI | 041 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 260160 |
| Unique ZIP Name | |
| SSA State County Code | 24200 |
| Medicare CBSA Code | 99924 |
| Medicare CBSA Name | Rural Areas in MN |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 6 |
| County Mixed Case | Douglas |
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. […]