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56669 Home Insurance Quotes & Rates

Currently, the 186 homes within the 56669 zip code are being challenged with rate increases and the demand for more affordable homeowners insurance premiums. The average home insurance rate for Minnesota is around $1,074 per year for a standard HO-3 homeowners policy. A standard homeowners policy in Kabetogama, MN, insures your home from theft, fire, windstorm damage and liability accidents on your property. Flood or earthquake damage is not covered under a basic homeowners policy, we can help you review the best coverage option for your home in 56669.

Minnesota is now ranking #13 in the country for the highest premiums. If you are trying to lower your premium and want to compare up to 12 Kabetogama home insurance quotes all in one place then GetHomeInsuranceQuotes.com of Minnesota has the online shopping service for you. Our hassle free online quoting application allows homeowners in the 56669 area to review and compare the best rates and coverage options. We can provide a free consultation process to help you decide which carrier, coverage and policy is the best fit for you and your family. We realize that protecting your most valuable investment is very important to you, that is why we want to help you increase your coverage while providing the most affordable rates available. Let us help you shop and compare your Kabetogama, Minnesota home insurance rates today!

Please give us a call now at 1-855-976-2656, easily get up to 12 rates over the phone in minutes. For Kabetogama, MN Home Insurance Quotes, start your shopping process to today, it's easy and hassle free!

56669 Home Insurance Average Premiums

Local 56669 homeowners insurance quotes comparison

$824 /yr.

Shows Zip Code: 56669 lowest rates with discounts applied on average.

For the 56669, 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)
$824 /yr.
Average Coverage:$1074 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1374 /yr.

What is the average home insurance cost for a home in 56669?

  • • The average homeowners insurance premium paid annually for a home in 56669 is around $1074 per year.

What does it cost on average per month for home insurance in 56669?

  • • Homeowners in 56669 pay a monthly average cost per month around $90.00.

What kind of discount could I get if I combine my home and auto insurance together in 56669?

  • • Autoowners in 56669 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.

For shopping home insurance rates within the Kabetogama area, check out other zip codes nearby 56669.
Review average rates in another zip code:
56669 homeowners insurance rates

Home Replacement Cost Coverage in 56669

Average Building Cost Per Square Foot in 56669: $188

Location: Kabetogama, Minnesota (Koochiching County)

Average Square Footage in 56669: 1,102 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 56669 before you start any project. Kabetogama 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 56669 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 56669 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,102 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 Kabetogama 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$1881,102$207,100
Additional Upgrades & Added Features$2351,102$258,875
Major Home Updates or Advancements$2821,102$310,650

It's important to understand that when you estimate your replacement cost of your home in the 56669 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 56669

Best Home & Auto Insurance Agencies in 56669

Housing Demographics for 56669

Population Review for 56669 Zip Code

For the city of Kabetogama, the population within 56669 has increased to over 480 residents in population size. The current population total is 363. We have broken down the population based on race below. In 56669, there are over 190 in male population and 173 females.

PopulationValues
Total Population363
White Population330
Black Population1
Hispanic Population10
Asian Population1
Hawaiian Population0
Indian Population3
Other Population2
Male Population190
Female Population173
Population Estimate480

Household Data for 56669

The average number of homes in 56669 is around 186, there are an average of 1.87 per household. The average house value according to local real estate values is around $207,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode186
Persons Per Household1.87
Average House Value$207,100
Income Per Household$55000
Median Age58.3
Median Age Male59.5
Median Age Female57.4
56669 DetailsValues
StateMN
State Full NameMinnesota
City TypeN
City Alias Abbreviation
Area Code218
CityKabetogama
City Alias NameKABETOGAMA
CountyKoochiching
County FIPS071
State FIPS27
Time Zone6
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses24
Number Of Employees39
Business First Quarter Payroll362
Business Annual Payroll1800
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District08
Congressional LandArea27908.13
Delivery Residential257
Delivery Business15
Delivery Total272
Preferred Last Line KeyY25561
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyY25561
Land Area251.249000
Water Area18.839000
City Alias Code
City Mixed CaseKabetogama
City Alias Mixed CaseKabetogama
Box Count0
SFDU257
MFDU0
State ANSI27
County ANSI071
ZIP Intro
Alias Intro
Facility CodeN
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number265630
Unique ZIP Name
SSA State County Code24350
Medicare CBSA Code99924
Medicare CBSA NameRural Areas in MN
Medicare CBSA TypeMicro
Market Rating Area ID2
County Mixed CaseKoochiching

Minnesota Homeowners Insurance News & Information

  • Largest Insurer in California – Travelers Announces Home Insurance Rates Going Up 15% Posted on Monday 20th May, 2024

    Travelers Insurance, which is one of the largest insurers in California, recently announced that they will be raising premiums by an average of 15% in the Golden State. This is just the latest rate increase or policy limitation by major insurance companies who blame the increases on spreading wildfire risks, inflation, and the cost of […]

  • Should I raise my deductible to $10,000 to help offset the cost of rising premiums? Posted on Wednesday 15th May, 2024

    According to industry reports, homeowners are raising their deductibles to $5,000 to $10,000 to help offset the cost of rising premiums.  While raising a deductible into the stratosphere will absolutely lower your homeowner insurance premium, it does mean that you will have to cover your deductible amount in the event you have to make a […]

  • Should I choose the minimum or maximum homeowners insurance coverage? Posted on Monday 13th May, 2024

    As homeowner insurance rates rise across the country, some homeowners are opting for policies that offer minimal coverage to keep their premiums affordable. Unfortunately, this choice will leave them at higher risk and in a position where they may have to pay more out of pocket if they have to make a claim on their […]