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Quickly Revew Homeowners Insurance in 55082

If you own a home in Stillwater, MN you need a great homeowners policy to protect your home and possessions. Industry experts recommend shopping your homeowners insurance on a yearly basis to ensure that you are getting the best price and coverage levels.

GetHomeInsuranceQuotes.com can help you shop your coverage and find the best policy for your home in 55082 zip code. Our service is always free and we will gather quotes from up to 12 nationwide insurers so you can see all of your homeowners insurance options in one place. Our Minnesota licensed agents will also review your needs and make sure you have the appropriate coverage for your home.

If you want to see real savings on the cost of homeowners insurance start shopping GetHomeInsuranceQuotes.com right now. Get started by clicking the Get Multiple Quotes Now" button below, verify your 55082 and start comparing rates now.

55082 Homeowners Insurance Rates Are Considered: high!

The average rate for a standard homeowners policy in 55082 is $1063 according to industry data. We can help you achieve substantial savings by using our online quoting process to find the best policy for your specific home. We will also make sure you are fully covered. Insurance policies and coverage levels vary so it is key to fully understand your policy and what it covers as well as any coverage limitations.

We only deal with reputable, nationwide insurers so you can be confident that if you do need to make a claim it will be handled quickly and fairly. It’s time to start shopping for a new policy.

Get 55082 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 Stillwater, MN home insurance quotes in your local city and review the most competitive coverages and premiums.

55082 Home Insurance Average Premiums

Local 55082 homeowners insurance quotes comparison

$813 /yr.

Shows Zip Code: 55082 lowest rates with discounts applied on average.

For the 55082, 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)
$813 /yr.
Average Coverage:$1063 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1363 /yr.

What is the average home insurance cost for a home in 55082?

  • • The average homeowners insurance premium paid annually for a home in 55082 is around $1063 per year.

What does it cost on average per month for home insurance in 55082?

  • • Homeowners in 55082 pay a monthly average cost per month around $89.00.

What kind of discount could I get if I combine my home and auto insurance together in 55082?

  • • Autoowners in 55082 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 Stillwater area, check out other zip codes nearby 55082.
Review average rates in another zip code:
55082 homeowners insurance rates

Home Replacement Cost Coverage in 55082

Average Building Cost Per Square Foot in 55082: $188

Location: Stillwater, Minnesota (Washington County)

Average Square Footage in 55082: 2,024 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 55082 before you start any project. Stillwater 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 55082 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 55082 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,024 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 Stillwater 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$1882,024$380,600
Additional Upgrades & Added Features$2352,024$475,750
Major Home Updates or Advancements$2822,024$570,900

It's important to understand that when you estimate your replacement cost of your home in the 55082 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 55082

American Family Insurance - Pamela Petersen

Address: 14791 60th St N Ste 7 Stillwater, MN 55082
Phone: (651)439-8442
Website: www.amfam.com

American Family Insurance - John Bosman Agency- Inc.

Address: 14791 60th St N Ste 7 Stillwater, MN 55082
Phone: (651)967-7257
Website: www.amfam.com

Best Home & Auto Insurance Agencies in 55082

American Family Insurance - Pamela Petersen

Address: 14791 60th St N, #7 Stillwater, MN 55082
Phone:
Website: http://www.amfam.com
Info: American Family Insurance | Auto Insurance, Car Insurance, Life, Homeowners & More
American Family Insurance offers affordable car insurance, homeowners insurance, life insurance, business insurance, annuities and more. auto insurance, car insurance, life insurance, homeowners insurance, business insurance, annuities

Jezior- Janet K - State Farm Insurance Agent

Address: 1826 Tower Dr W Stillwater, MN 55082
Phone:
Website: http://www.janetjezior.com
Info:

American Family Insurance - Greg Nygard

Address: 1950 Northwestern Ave S, Ste 106 Stillwater, MN 55082
Phone:
Website: http://www.twincities.citysearch.com/profile/external/604279802/stillwater_mn/american_family_insurance_greg_nygard.html
Info:

Voss, Jeffrey - Allstate Insurance Company

Address: 5901 Omaha Ave N Stillwater, MN 55082
Phone:
Website: http://www.twincities.citysearch.com/profile/external/5514740/stillwater_mn/voss_jeffrey_allstate_insurance_company.html
Info:

Farmers Insurance

Address: 1940 Greeley St S Stillwater, MN 55082
Phone:
Website:
Info:

Housing Demographics for 55082

Population Review for 55082 Zip Code

For the city of Stillwater, the population within 55082 has increased to over 37,310 residents in population size. The current population total is 36,441. We have broken down the population based on race below. In 55082, there are over 17948 in male population and 18493 females.

PopulationValues
Total Population36,441
White Population32789
Black Population598
Hispanic Population1003
Asian Population752
Hawaiian Population15
Indian Population154
Other Population329
Male Population17948
Female Population18493
Population Estimate37310

Household Data for 55082

The average number of homes in 55082 is around 14,440, there are an average of 2.46 per household. The average house value according to local real estate values is around $380,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode14,440
Persons Per Household2.46
Average House Value$380,600
Income Per Household$105207
Median Age46.4
Median Age Male44.6
Median Age Female48.4
55082 DetailsValues
StateMN
State Full NameMinnesota
City TypeP
City Alias Abbreviation
Area Code651
CityStillwater
City Alias NameSTILLWATER
CountyWashington
County FIPS163
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 Businesses1177
Number Of Employees12253
Business First Quarter Payroll134878
Business Annual Payroll612425
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 District04|08
Congressional LandArea332.49|27908.13
Delivery Residential15167
Delivery Business938
Delivery Total16239
Preferred Last Line KeyY26485
Classification Code
Multi-County
CSA NameMinneapolis-St. Paul, MN-WI
CBSA_DIV_Name
City State KeyY26485
Land Area79.215000
Water Area5.649000
City Alias Code
City Mixed CaseStillwater
City Alias Mixed CaseStillwater
Box Count202
SFDU11067
MFDU2152
State ANSI27
County ANSI163
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number268980
Unique ZIP Name
SSA State County Code24810
Medicare CBSA Code33460
Medicare CBSA NameMinneapolis-St. Paul-Bloomington, MN-WI
Medicare CBSA TypeMetro
Market Rating Area ID8
County Mixed CaseWashington

Minnesota Homeowners Insurance News & Information

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    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 […]