Compare 55805 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Duluth just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 4,894 neighbors looking to save on their home insurance policy in the local 55805 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 55805. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Minnesota rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Duluth, MN home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Duluth, MN

55805 Home Insurance Average Premiums

Local 55805 homeowners insurance quotes comparison

$841 /yr.

Shows Zip Code: 55805 lowest rates with discounts applied on average.

For the 55805, 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)	$841 /yr.
Average Coverage:	$1091 /yr.
2600 sq. ft. or higher (all discounts applied)	$1391 /yr.

What is the average home insurance cost for a home in 55805?

• The average homeowners insurance premium paid annually for a home in 55805 is around $1091 per year.

What does it cost on average per month for home insurance in 55805?

• Homeowners in 55805 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 55805?

• Autoowners in 55805 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 Duluth area, check out other zip codes nearby 55805.
Review average rates in another zip code:
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Home Replacement Cost Coverage in 55805

Average Building Cost Per Square Foot in 55805: $188

Location: Duluth, Minnesota (Saint Louis County)

Average Square Footage in 55805: 727 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 55805 before you start any project. Duluth 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 55805 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 55805 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 727 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 Duluth 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 Status	Price per Sq. Ft.	Square Feet	Dwelling Coverage
Basic Home Features	$188	727	$136,700
Additional Upgrades & Added Features	$235	727	$170,875
Major Home Updates or Advancements	$282	727	$205,050

Calculate Your Dwelling Coverage in 55805

It's important to understand that when you estimate your replacement cost of your home in the 55805 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 Home & Auto Insurance Agencies in 55805

Almquist- Robert G - State Farm Insurance Agent

Address: 320 E 2nd St Duluth, MN 55805
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Ricord- Chad M - State Farm Insurance Agent

Address: 1400 London Rd Duluth, MN 55805
Phone:
Website:
Info:

Housing Demographics for 55805

Population Review for 55805 Zip Code

For the city of Duluth, the population within 55805 has increased to over 9,767 residents in population size. The current population total is 9,731. We have broken down the population based on race below. In 55805, there are over 4907 in male population and 4824 females.

Population	Values
Total Population	9,731
White Population	7627
Black Population	631
Hispanic Population	259
Asian Population	175
Hawaiian Population	4
Indian Population	433
Other Population	77
Male Population	4907
Female Population	4824
Population Estimate	9767

Household Data for 55805

The average number of homes in 55805 is around 4,894, there are an average of 1.95 per household. The average house value according to local real estate values is around $136,700. Please review the following demographics below for average income and media age.

Housing / Income Data	Values
Households Per Zipcode	4,894
Persons Per Household	1.95
Average House Value	$136,700
Income Per Household	$38486
Median Age	30.5
Median Age Male	30.0
Median Age Female	31.0

55805 Details	Values
State	MN
State Full Name	Minnesota
City Type	P
City Alias Abbreviation
Area Code	218
City	Duluth
City Alias Name	DULUTH
County	Saint Louis
County FIPS	137
State FIPS	27
Time Zone	6
Day Light Saving	Y
MSA	2240
PMSA
CSA	228
CBSA	20260
CBSA_DIV
CBSA_Type	Metro
CBSA_Name	Duluth, MN-WI
MSA_Name	Duluth-Superior, MN-WI MSA
PMSA_Name
Region	Midwest
Division	West North Central
MailingName	Y

Economic & Growth Review	Values
Number Of Businesses	211
Number Of Employees	10614
Business First Quarter Payroll	182636
Business Annual Payroll	822686
Business Employment Flag
Growth Rank	0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number	0
Growth Increase Percentage	0.0

Metropolitan Details	Values
CBSA Population	279771
CBSA Division Population	0
Congressional District	08
Congressional LandArea	27908.13
Delivery Residential	5009
Delivery Business	184
Delivery Total	5213
Preferred Last Line Key	Y25162
Classification Code
Multi-County
CSA Name	Duluth-Grand Rapids, MN-WI
CBSA_DIV_Name
City State Key	Y25162
Land Area	1.443000
Water Area	0.310000
City Alias Code
City Mixed Case	Duluth
City Alias Mixed Case	Duluth
Box Count	0
SFDU	3342
MFDU	1551
State ANSI	27
County ANSI	137
ZIP Intro
Alias Intro
Facility Code	P
City Delivery Indicator	Y
Carrier Route Rate Sortation	D
Finance Number	262590
Unique ZIP Name
SSA State County Code	24680
Medicare CBSA Code	20260
Medicare CBSA Name	Duluth, MN-WI
Medicare CBSA Type	Metro
Market Rating Area ID	2
County Mixed Case	Saint Louis

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 […]

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