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Searching for Homeowners Insurance in 56585

If you are a homeowners that lives in 56585 you may be searching for more affordable homeowners insurance in Ulen. Insurance rates can change on a yearly basis so if your current insurer has raised your rates recently it may be time to shop your coverage and we can help.

GetHomeInsuranceQuotes.com makes shopping your insurance policy quick and easy for residents of Ulen, MN. All you have to do is enter a bit of information about your home and we will gather 12 quotes from nationwide insurers, making sure that you get the best coverage levels and rates available.

Our Minnesota licensed agents will provide a free consultation to make sure you are fully protected as well as answer any questions you may have about policy options. Insurance can be complicated so it pays to have a professional walk you through your various policy choices. As always, our service is free.

Getting started is easy. Click the "Get Multiple Quotes Now" button, verify your zip code and start saving.

Get 56585 Home Insurance Rate Quotes Right Now!

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Ulen, MN home insurance quotes in your local city and review the most competitive coverages and premiums.

Check Out 56585 Home Insurance Costs: high!

In Ulen, homeowners are paying roughly $1143 per year for a HO-3 policy which is considered the standard for a single family home. In order to find the best policy at the best price, we compare rates from some of the most competitive insurers and present you with your best options for homeowners insurance coverage in 56585 zip code.

Our service is free and we never spam our clients so you only receive the information that you request. While all situations are different, in most cases, homeowners in Ulen are saving up to 40 percent on their policy costs by using GetHomeInsuranceQuotes.com.

Start shopping for a 56585 policy right now!

56585 Home Insurance Average Premiums

Local 56585 homeowners insurance quotes comparison

$893 /yr.

Shows Zip Code: 56585 lowest rates with discounts applied on average.

For the 56585, 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)
$893 /yr.
Average Coverage:$1143 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1443 /yr.

What is the average home insurance cost for a home in 56585?

  • • The average homeowners insurance premium paid annually for a home in 56585 is around $1143 per year.

What does it cost on average per month for home insurance in 56585?

  • • Homeowners in 56585 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 56585?

  • • Autoowners in 56585 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 Ulen, check out other zip codes nearby 56585.
To review average rates in another zip code, click on a zip code below:
56585  | 

Home Replacement Cost Coverage in 56585

Average Building Cost Per Square Foot in 56585: $188

Location: Ulen, Minnesota (Clay County)

Average Square Footage in 56585: 896 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 56585 before you start any project. Ulen 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 56585 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 56585 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 896 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 Ulen 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$188896$168,500
Additional Upgrades & Added Features$235896$210,625
Major Home Updates or Advancements$282896$252,750

It's important to understand that when you estimate your replacement cost of your home in the 56585 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 56585

Best Home & Auto Insurance Agencies in 56585

Housing Demographics for 56585

Population Review for 56585 Zip Code

For the city of Ulen, the population within 56585 has increased to over 533 residents in population size. The current population total is 1,000. We have broken down the population based on race below. In 56585, there are over 519 in male population and 481 females.

PopulationValues
Total Population1,000
White Population926
Black Population2
Hispanic Population9
Asian Population4
Hawaiian Population0
Indian Population24
Other Population3
Male Population519
Female Population481
Population Estimate533

Household Data for 56585

The average number of homes in 56585 is around 418, there are an average of 2.37 per household. The average house value according to local real estate values is around $168,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode418
Persons Per Household2.37
Average House Value$168,500
Income Per Household$50250
Median Age42.2
Median Age Male41.5
Median Age Female42.4
56585 DetailsValues
StateMN
State Full NameMinnesota
City TypeP
City Alias Abbreviation
Area Code218
CityUlen
City Alias NameULEN
CountyClay
County FIPS027
State FIPS27
Time Zone6
Day Light SavingY
MSA2520
PMSA
CSA244
CBSA22020
CBSA_DIV
CBSA_TypeMetro
CBSA_NameFargo, ND-MN
MSA_NameFargo-Moorhead, ND-MN MSA
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses24
Number Of Employees200
Business First Quarter Payroll2576
Business Annual Payroll13142
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population208777
CBSA Division Population0
Congressional District07
Congressional LandArea33429.31
Delivery Residential225
Delivery Business3
Delivery Total449
Preferred Last Line KeyY26564
Classification Code
Multi-CountyY
CSA NameFargo-Wahpeton, ND-MN
CBSA_DIV_Name
City State KeyY26564
Land Area125.466000
Water Area0.215000
City Alias Code
City Mixed CaseUlen
City Alias Mixed CaseUlen
Box Count199
SFDU186
MFDU39
State ANSI27
County ANSI027
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number269400
Unique ZIP Name
SSA State County Code24130
Medicare CBSA Code22020
Medicare CBSA NameFargo, ND-MN
Medicare CBSA TypeMetro
Market Rating Area ID6
County Mixed CaseClay

Minnesota Homeowners Insurance News & Information

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    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 […]

  • 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.  […]

  • 2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025

    Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance.  We thought it might be a good idea to look at some spring cleaning and maintenance […]