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55069 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 55069? There are over 1,843 occupied homes in the 55069 area. With a population size of 5,630, it's not uncommon for residence of Rush City, MN to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Minnesota is around $1,149 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 55069 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Rush City, MN Home Insurance Rate Quotes

55069 Home Insurance Average Premiums

Local 55069 homeowners insurance quotes comparison

$899 /yr.

Shows Zip Code: 55069 lowest rates with discounts applied on average.

For the 55069, 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)		$899 /yr.
Average Coverage:$1149 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1449 /yr.

What is the average home insurance cost for a home in 55069?

  • • The average homeowners insurance premium paid annually for a home in 55069 is around $1149 per year.

What does it cost on average per month for home insurance in 55069?

  • • Homeowners in 55069 pay a monthly average cost per month around $96.00.

What kind of discount could I get if I combine my home and auto insurance together in 55069?

  • • Autoowners in 55069 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 Rush City area, check out other zip codes nearby 55069.
Review average rates in another zip code:
55069 homeowners insurance rates

Home Replacement Cost Coverage in 55069

Average Building Cost Per Square Foot in 55069: $188

Location: Rush City, Minnesota (Chisago County)

Average Square Footage in 55069: 1,095 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 55069 before you start any project. Rush City 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 55069 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 55069 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,095 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 Rush City 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$1881,095$205,800
Additional Upgrades & Added Features$2351,095$257,250
Major Home Updates or Advancements$2821,095$308,700

It's important to understand that when you estimate your replacement cost of your home in the 55069 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 55069

Best Home & Auto Insurance Agencies in 55069

Housing Demographics for 55069

Population Review for 55069 Zip Code

For the city of Rush City, the population within 55069 has increased to over 5,173 residents in population size. The current population total is 5,630. We have broken down the population based on race below. In 55069, there are over 3297 in male population and 2333 females.

PopulationValues
Total Population5,630
White Population4607
Black Population543
Hispanic Population184
Asian Population54
Hawaiian Population2
Indian Population120
Other Population23
Male Population3297
Female Population2333
Population Estimate5173

Household Data for 55069

The average number of homes in 55069 is around 1,843, there are an average of 2.48 per household. The average house value according to local real estate values is around $205,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,843
Persons Per Household2.48
Average House Value$205,800
Income Per Household$62583
Median Age38.7
Median Age Male37.4
Median Age Female43.0
55069 DetailsValues
StateMN
State Full NameMinnesota
City TypeP
City Alias Abbreviation
Area Code320
CityRush City
City Alias NameRUSH CITY
CountyChisago
County FIPS025
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 Businesses122
Number Of Employees1728
Business First Quarter Payroll17335
Business Annual Payroll73220
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 District08
Congressional LandArea27908.13
Delivery Residential2086
Delivery Business44
Delivery Total7006
Preferred Last Line KeyY26219
Classification Code
Multi-County
CSA NameMinneapolis-St. Paul, MN-WI
CBSA_DIV_Name
City State KeyY26219
Land Area74.012000
Water Area5.480000
City Alias Code
City Mixed CaseRush City
City Alias Mixed CaseRush City
Box Count180
SFDU1699
MFDU212
State ANSI27
County ANSI025
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number268150
Unique ZIP Name
SSA State County Code24120
Medicare CBSA Code33460
Medicare CBSA NameMinneapolis-St. Paul-Bloomington, MN-WI
Medicare CBSA TypeMetro
Market Rating Area ID7
County Mixed CaseChisago

Minnesota Homeowners Insurance News & Information

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  • Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025

    Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]

  • Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024

    Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies.  Here are some common exclusions that could leave you […]