Get multiple home insurance quotes in 55040. Our licensed 55040, MN agents are ready to serve you.

Find the lowest Homeowners Insurance Rates in 55040

There are a number of ways to save money on your homeowners insurance rates. Discounts, bundling, upgrading your security system or replacing your roof with wind resistance materials are all great ways to lower your premium but the number one recommended way to save is to shop your coverage on a regular basis.

If you are shopping for coverage in 55040, do yourself a favor and get a rate quote from GetHomeInsuranceQuotes.com. We will provide you with up to 12 quotes for homeowners coverage in Isanti, MN from a list of top tier nationwide insurers.

Our Minnesota licensed agents will review the quotes with you and provide advice on coverage types and coverage levels that will work best for you and your family.

It’s easy to get started. Just click the "Get Multiple Quotes Now" button below and your 55040 will appear in the zip code field and you are ready to go.

It’s Time to Compare Rate Quotes for 55040

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

55040 Ratings: high!

Saving up to 40 percent on your homeowner insurance premium has never been easier. We will do all of the legwork for you and present you with the best policy options to help protect your home.

In addition to gathering the best quotes from 12 major insurance companies in Isanti we will also share what average rates are in your area so we can compare savings and coverage options. Reviewing what home insurance cost will help you determine if your current insurance premium is on the high side or if you are already getting a bargain. For example, in 55040, homeowners are seeing rates around 1089 on average per year.

Let us help you compare home insurance rates right now. Get started shopping for new policy in 55040!

55040 Home Insurance Average Premiums

Local 55040 homeowners insurance quotes comparison

$839 /yr.

Shows Zip Code: 55040 lowest rates with discounts applied on average.

For the 55040, 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)
$839 /yr.
Average Coverage:$1089 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1389 /yr.

What is the average home insurance cost for a home in 55040?

  • • The average homeowners insurance premium paid annually for a home in 55040 is around $1089 per year.

What does it cost on average per month for home insurance in 55040?

  • • Homeowners in 55040 pay a monthly average cost per month around $91.00.

What kind of discount could I get if I combine my home and auto insurance together in 55040?

  • • Autoowners in 55040 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 Isanti area, check out other zip codes nearby 55040.
Review average rates in another zip code:
55040 homeowners insurance rates

Home Replacement Cost Coverage in 55040

Average Building Cost Per Square Foot in 55040: $188

Location: Isanti, Minnesota (Isanti County)

Average Square Footage in 55040: 1,210 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 55040 before you start any project. Isanti 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 55040 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 55040 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,210 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 Isanti 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$1881,210$227,400
Additional Upgrades & Added Features$2351,210$284,250
Major Home Updates or Advancements$2821,210$341,100

It's important to understand that when you estimate your replacement cost of your home in the 55040 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 55040

Insurance Brokers Of MN

Address: PO Box 368 Isanti, MN 55040
Phone: (612)444-9491
Website:

Insurance Brokers Of

Address: Hwy 65 Ne & 291 St Isanti, MN 55040
Phone: (612)444-9491
Website:

Best Home & Auto Insurance Agencies in 55040

Insurance Brokers Of

Address: MN-65 & 291st Ave NE Isanti, MN 55040
Phone:
Website:
Info:

Insurance Brokers Of MN

Address: PO Box 368 Isanti, MN 55040
Phone:
Website:
Info:

Housing Demographics for 55040

Population Review for 55040 Zip Code

For the city of Isanti, the population within 55040 has increased to over 15,064 residents in population size. The current population total is 13,941. We have broken down the population based on race below. In 55040, there are over 7208 in male population and 6733 females.

PopulationValues
Total Population13,941
White Population12725
Black Population114
Hispanic Population365
Asian Population179
Hawaiian Population0
Indian Population67
Other Population148
Male Population7208
Female Population6733
Population Estimate15064

Household Data for 55040

The average number of homes in 55040 is around 5,098, there are an average of 2.73 per household. The average house value according to local real estate values is around $227,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,098
Persons Per Household2.73
Average House Value$227,400
Income Per Household$80849
Median Age37.0
Median Age Male37.1
Median Age Female36.9
55040 DetailsValues
StateMN
State Full NameMinnesota
City TypeP
City Alias Abbreviation
Area Code763/612
CityIsanti
City Alias NameISANTI
CountyIsanti
County FIPS059
State FIPS27
Time Zone6
Day Light SavingY
MSA5120
PMSA
CSA378
CBSA33460
CBSA_DIV
CBSA_TypeMetro
CBSA_NameMinneapolis-St. Paul-Bloomington, MN-WI
MSA_NameMinneapolis-St. Paul, MN-WI MSA
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses265
Number Of Employees2067
Business First Quarter Payroll19134
Business Annual Payroll91679
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population3279833
CBSA Division Population0
Congressional District06|08
Congressional LandArea2882.22|27908.13
Delivery Residential5518
Delivery Business146
Delivery Total10064
Preferred Last Line KeyY25536
Classification Code
Multi-County
CSA NameMinneapolis-St. Paul, MN-WI
CBSA_DIV_Name
City State KeyY25536
Land Area98.072000
Water Area3.009000
City Alias Code
City Mixed CaseIsanti
City Alias Mixed CaseIsanti
Box Count192
SFDU4569
MFDU415
State ANSI27
County ANSI059
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number264780
Unique ZIP Name
SSA State County Code24290
Medicare CBSA Code33460
Medicare CBSA NameMinneapolis-St. Paul-Bloomington, MN-WI
Medicare CBSA TypeMetro
Market Rating Area ID7
County Mixed CaseIsanti

Minnesota Homeowners Insurance News & Information

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]