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55353 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 55353 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 Kimball, MN quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 55353.

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If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 55353 and start shopping.

Quickly and Easily Compare Average Rates for 55353

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

Average Policy Rates in 55353

Homeowners in Kimball are paying roughly $1059 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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55353 Home Insurance Average Premiums

Local 55353 homeowners insurance quotes comparison

$809 /yr.

Shows Zip Code: 55353 lowest rates with discounts applied on average.

For the 55353, 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)
$809 /yr.
Average Coverage:$1059 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1359 /yr.

What is the average home insurance cost for a home in 55353?

  • • The average homeowners insurance premium paid annually for a home in 55353 is around $1059 per year.

What does it cost on average per month for home insurance in 55353?

  • • Homeowners in 55353 pay a monthly average cost per month around $88.00.

What kind of discount could I get if I combine my home and auto insurance together in 55353?

  • • Autoowners in 55353 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 Kimball area, check out other zip codes nearby 55353.
Review average rates in another zip code:
55353 homeowners insurance rates

Home Replacement Cost Coverage in 55353

Average Building Cost Per Square Foot in 55353: $188

Location: Kimball, Minnesota (Stearns County)

Average Square Footage in 55353: 1,412 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 55353 before you start any project. Kimball 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 55353 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 55353 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,412 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 Kimball 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$1881,412$265,500
Additional Upgrades & Added Features$2351,412$331,875
Major Home Updates or Advancements$2821,412$398,250

It's important to understand that when you estimate your replacement cost of your home in the 55353 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 55353

Best Home & Auto Insurance Agencies in 55353

Housing Demographics for 55353

Population Review for 55353 Zip Code

For the city of Kimball, the population within 55353 has increased to over 2,952 residents in population size. The current population total is 3,247. We have broken down the population based on race below. In 55353, there are over 1673 in male population and 1574 females.

PopulationValues
Total Population3,247
White Population3113
Black Population15
Hispanic Population40
Asian Population6
Hawaiian Population4
Indian Population1
Other Population11
Male Population1673
Female Population1574
Population Estimate2952

Household Data for 55353

The average number of homes in 55353 is around 1,226, there are an average of 2.62 per household. The average house value according to local real estate values is around $265,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,226
Persons Per Household2.62
Average House Value$265,500
Income Per Household$87232
Median Age40.4
Median Age Male40.3
Median Age Female40.4
55353 DetailsValues
StateMN
State Full NameMinnesota
City TypeP
City Alias Abbreviation
Area Code320
CityKimball
City Alias NameKIMBALL
CountyStearns
County FIPS145
State FIPS27
Time Zone6
Day Light SavingY
MSA6980
PMSA
CSA378
CBSA41060
CBSA_DIV
CBSA_TypeMetro
CBSA_NameSt. Cloud, MN
MSA_NameSt. Cloud, MN MSA
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses86
Number Of Employees815
Business First Quarter Payroll7030
Business Annual Payroll34425
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population189093
CBSA Division Population0
Congressional District06|07
Congressional LandArea2882.22|33429.31
Delivery Residential1127
Delivery Business17
Delivery Total1746
Preferred Last Line KeyY25587
Classification Code
Multi-CountyY
CSA NameMinneapolis-St. Paul, MN-WI
CBSA_DIV_Name
City State KeyY25587
Land Area81.207000
Water Area3.541000
City Alias Code
City Mixed CaseKimball
City Alias Mixed CaseKimball
Box Count215
SFDU1071
MFDU16
State ANSI27
County ANSI145
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number265120
Unique ZIP Name
SSA State County Code24720
Medicare CBSA Code41060
Medicare CBSA NameSt. Cloud, MN
Medicare CBSA TypeMetro
Market Rating Area ID8
County Mixed CaseStearns

Minnesota Homeowners Insurance News & Information

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    While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future.  According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]

  • 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 […]