55812 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 55812 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 Duluth, MN quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 55812.

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 55812 and start shopping.

Quickly and Easily Compare Average Rates for 55812

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

Average Policy Rates in 55812

Homeowners in Duluth are paying roughly $1140 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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55812 Home Insurance Average Premiums

Local 55812 homeowners insurance quotes comparison

$890 /yr.

Shows Zip Code: 55812 lowest rates with discounts applied on average.

For the 55812, 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)	$890 /yr.
Average Coverage:	$1140 /yr.
2600 sq. ft. or higher (all discounts applied)	$1440 /yr.

What is the average home insurance cost for a home in 55812?

• The average homeowners insurance premium paid annually for a home in 55812 is around $1140 per year.

What does it cost on average per month for home insurance in 55812?

• Homeowners in 55812 pay a monthly average cost per month around $95.00.

What kind of discount could I get if I combine my home and auto insurance together in 55812?

• Autoowners in 55812 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 55812.
Review average rates in another zip code:
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Home Replacement Cost Coverage in 55812

Average Building Cost Per Square Foot in 55812: $188

Location: Duluth, Minnesota (Saint Louis County)

Average Square Footage in 55812: 1,267 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 55812 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 55812 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 55812 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,267 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	1,267	$238,200
Additional Upgrades & Added Features	$235	1,267	$297,750
Major Home Updates or Advancements	$282	1,267	$357,300

Calculate Your Dwelling Coverage in 55812

It's important to understand that when you estimate your replacement cost of your home in the 55812 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 55812

Mary Jacobson-Farmers Insurance

Address: 1515 London Rd, #2 Duluth, MN 55812
Phone:
Website:
Info:

Michael Phillips- Farmers Insurance

Address: 1515 London Rd, Ste 2 Duluth, MN 55812
Phone:
Website: http://www.duluth.citysearch.com/profile/668146670/duluth_mn/michael_phillips_farmers_insurance.html
Info:

American Family Insurance- Garver, Jon

Address: 2002 London Rd Duluth, MN 55812
Phone:
Website: http://www.duluth.citysearch.com/profile/external/616769430/duluth_mn/american_family_insurance_garver_jon.html
Info:

Allstate Insurance Companies

Address: 1711 London Rd Duluth, MN 55812
Phone:
Website:
Info:

Housing Demographics for 55812

Population Review for 55812 Zip Code

For the city of Duluth, the population within 55812 has increased to over 8,482 residents in population size. The current population total is 10,571. We have broken down the population based on race below. In 55812, there are over 5332 in male population and 5239 females.

Population	Values
Total Population	10,571
White Population	8602
Black Population	809
Hispanic Population	423
Asian Population	207
Hawaiian Population	7
Indian Population	176
Other Population	180
Male Population	5332
Female Population	5239
Population Estimate	8482

Household Data for 55812

The average number of homes in 55812 is around 3,557, there are an average of 2.31 per household. The average house value according to local real estate values is around $238,200. Please review the following demographics below for average income and media age.

Housing / Income Data	Values
Households Per Zipcode	3,557
Persons Per Household	2.31
Average House Value	$238,200
Income Per Household	$54409
Median Age	23.7
Median Age Male	23.0
Median Age Female	24.6

55812 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	177
Number Of Employees	2002
Business First Quarter Payroll	13248
Business Annual Payroll	61743
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	3672
Delivery Business	145
Delivery Total	5084
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	1.936000
Water Area	0.666000
City Alias Code
City Mixed Case	Duluth
City Alias Mixed Case	Duluth
Box Count	0
SFDU	2895
MFDU	777
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 […]

Home Insurance Quotes in 55812!