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56517 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 56517 zip code it's important to know that our rates are very competitive for homeowners living in Beltrami, MN. Many homeowners based out of your 56517 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Minnesota licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 56517 should appear in the zip code field ready to go. For Beltrami, MN Homeowners Insurance Quotes nearby, we offer the best rates and service.

56517: Average Home Insurance Rates

For homeowners living in the great city of Beltrami, the average homeowners policy is considered high in comparison to other states. Minnesota premiums are estimated to be around $1348 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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56517 Home Insurance Average Premiums

Local 56517 homeowners insurance quotes comparison

$1098 /yr.

Shows Zip Code: 56517 lowest rates with discounts applied on average.

For the 56517, 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)		$1098 /yr.
Average Coverage:$1348 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1648 /yr.

What is the average home insurance cost for a home in 56517?

  • • The average homeowners insurance premium paid annually for a home in 56517 is around $1348 per year.

What does it cost on average per month for home insurance in 56517?

  • • Homeowners in 56517 pay a monthly average cost per month around $112.00.

What kind of discount could I get if I combine my home and auto insurance together in 56517?

  • • Autoowners in 56517 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 Beltrami, check out other zip codes nearby 56517.
To review average rates in another zip code, click on a zip code below:
56517  | 

Home Replacement Cost Coverage in 56517

Average Building Cost Per Square Foot in 56517: $188

Location: Beltrami, Minnesota (Polk County)

Average Square Footage in 56517: 749 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 56517 before you start any project. Beltrami 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 56517 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 56517 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 749 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 Beltrami 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 StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$188749$140,800
Additional Upgrades & Added Features$235749$176,000
Major Home Updates or Advancements$282749$211,200

It's important to understand that when you estimate your replacement cost of your home in the 56517 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 56517

Best Home & Auto Insurance Agencies in 56517

Housing Demographics for 56517

Population Review for 56517 Zip Code

For the city of Beltrami, the population within 56517 has increased to over 185 residents in population size. The current population total is 273. We have broken down the population based on race below. In 56517, there are over 135 in male population and 138 females.

PopulationValues
Total Population273
White Population256
Black Population0
Hispanic Population11
Asian Population0
Hawaiian Population0
Indian Population6
Other Population3
Male Population135
Female Population138
Population Estimate185

Household Data for 56517

The average number of homes in 56517 is around 109, there are an average of 2.50 per household. The average house value according to local real estate values is around $140,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode109
Persons Per Household2.50
Average House Value$140,800
Income Per Household$93750
Median Age39.5
Median Age Male38.3
Median Age Female41.3
56517 DetailsValues
StateMN
State Full NameMinnesota
City TypeP
City Alias Abbreviation
Area Code218
CityBeltrami
City Alias NameBELTRAMI
CountyPolk
County FIPS119
State FIPS27
Time Zone6
Day Light SavingY
MSA2985
PMSA
CSA
CBSA24220
CBSA_DIV
CBSA_TypeMetro
CBSA_NameGrand Forks, ND-MN
MSA_NameGrand Forks, ND-MN MSA
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses0
Number Of Employees0
Business First Quarter Payroll0
Business Annual Payroll0
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population98461
CBSA Division Population0
Congressional District07
Congressional LandArea33429.31
Delivery Residential74
Delivery Business1
Delivery Total102
Preferred Last Line KeyY24813
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyY24813
Land Area97.104000
Water Area0.040000
City Alias Code
City Mixed CaseBeltrami
City Alias Mixed CaseBeltrami
Box Count27
SFDU73
MFDU0
State ANSI27
County ANSI119
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number260750
Unique ZIP Name
SSA State County Code24590
Medicare CBSA Code24220
Medicare CBSA NameGrand Forks, ND-MN
Medicare CBSA TypeMetro
Market Rating Area ID9
County Mixed CasePolk

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