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55120 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 55120 zip code find a great new policy that offers the coverage they need at a price they can afford.

GetHomeInsuranceQuotes.com makes shopping for a new policy in Saint Paul, MN quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 55120.

Shopping for insurance quotes on GetHomeInsuranceQuotes.com is always free and we will provide you with a free consultation to answer any questions you may have about coverages and rates.

If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 55120 and start shopping.

Quickly and Easily Compare Average Rates for 55120

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

Average Policy Rates in 55120

Homeowners in Saint Paul are paying roughly $1093 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

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55120 Home Insurance Average Premiums

Local 55120 homeowners insurance quotes comparison

$843 /yr.

Shows Zip Code: 55120 lowest rates with discounts applied on average.

For the 55120, 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)		$843 /yr.
Average Coverage:$1093 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1393 /yr.

What is the average home insurance cost for a home in 55120?

  • • The average homeowners insurance premium paid annually for a home in 55120 is around $1093 per year.

What does it cost on average per month for home insurance in 55120?

  • • Homeowners in 55120 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 55120?

  • • Autoowners in 55120 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 Saint Paul area, check out other zip codes nearby 55120.
Review average rates in another zip code:
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55113 homeowners insurance rates

Home Replacement Cost Coverage in 55120

Average Building Cost Per Square Foot in 55120: $188

Location: Saint Paul, Minnesota (Dakota County)

Average Square Footage in 55120: 2,081 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 55120 before you start any project. Saint Paul 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 55120 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 55120 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,081 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 Saint Paul 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$1882,081$391,300
Additional Upgrades & Added Features$2352,081$489,125
Major Home Updates or Advancements$2822,081$586,950

It's important to understand that when you estimate your replacement cost of your home in the 55120 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 55120

Allstate Insurance - Ron Mogelson

Address: 790 S Plaza Dr #100 Saint Paul, MN 55120
Phone: (651)686-6310
Website:

Best Home & Auto Insurance Agencies in 55120

Allstate Insurance - Ron Mogelson

Address: 790 S Plaza Dr St Paul, MN 55120
Phone:
Website:
Info:

Housing Demographics for 55120

Population Review for 55120 Zip Code

For the city of Saint Paul, the population within 55120 has increased to over 5,165 residents in population size. The current population total is 4,752. We have broken down the population based on race below. In 55120, there are over 2290 in male population and 2462 females.

PopulationValues
Total Population4,752
White Population4122
Black Population125
Hispanic Population222
Asian Population145
Hawaiian Population0
Indian Population17
Other Population96
Male Population2290
Female Population2462
Population Estimate5165

Household Data for 55120

The average number of homes in 55120 is around 2,027, there are an average of 2.33 per household. The average house value according to local real estate values is around $391,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,027
Persons Per Household2.33
Average House Value$391,300
Income Per Household$97097
Median Age45.0
Median Age Male42.2
Median Age Female48.7
55120 DetailsValues
StateMN
State Full NameMinnesota
City TypeP
City Alias Abbreviation
Area Code952
CitySaint Paul
City Alias NameSAINT PAUL
CountyDakota
County FIPS037
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 Businesses374
Number Of Employees11790
Business First Quarter Payroll185642
Business Annual Payroll760838
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 District02
Congressional LandArea2437.91
Delivery Residential2217
Delivery Business332
Delivery Total4519
Preferred Last Line KeyY26254
Classification Code
Multi-County
CSA NameMinneapolis-St. Paul, MN-WI
CBSA_DIV_Name
City State KeyY26254
Land Area5.407000
Water Area0.888000
City Alias Code
City Mixed CaseSaint Paul
City Alias Mixed CaseSaint Paul
Box Count0
SFDU1208
MFDU628
State ANSI27
County ANSI037
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number268360
Unique ZIP Name
SSA State County Code24180
Medicare CBSA Code33460
Medicare CBSA NameMinneapolis-St. Paul-Bloomington, MN-WI
Medicare CBSA TypeMetro
Market Rating Area ID8
County Mixed CaseDakota

Minnesota Homeowners Insurance News & Information

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  • Homeowners Now Use This Strategy To Save Money on Home Insurance. Is It a Good Idea? Posted on Wednesday 26th March, 2025

    According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone.  Data from the Intercontinental Exchange (ICE) showed […]

  • Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025

    According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid.  Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]