Quickly Revew Homeowners Insurance in 55904

If you own a home in Rochester, 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 55904 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 55904 and start comparing rates now.

55904 Homeowners Insurance Rates Are Considered: high!

The average rate for a standard homeowners policy in 55904 is $1073 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 55904 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 Rochester, MN home insurance quotes in your local city and review the most competitive coverages and premiums.

55904 Home Insurance Average Premiums

Local 55904 homeowners insurance quotes comparison

$823 /yr.

Shows Zip Code: 55904 lowest rates with discounts applied on average.

For the 55904, 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)	$823 /yr.
Average Coverage:	$1073 /yr.
2600 sq. ft. or higher (all discounts applied)	$1373 /yr.

What is the average home insurance cost for a home in 55904?

• The average homeowners insurance premium paid annually for a home in 55904 is around $1073 per year.

What does it cost on average per month for home insurance in 55904?

• Homeowners in 55904 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 55904?

• Autoowners in 55904 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 Rochester area, check out other zip codes nearby 55904.
Review average rates in another zip code:
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Home Replacement Cost Coverage in 55904

Average Building Cost Per Square Foot in 55904: $188

Location: Rochester, Minnesota (Olmsted County)

Average Square Footage in 55904: 1,022 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 55904 before you start any project. Rochester 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 55904 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 55904 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,022 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 Rochester 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	1,022	$192,100
Additional Upgrades & Added Features	$235	1,022	$240,125
Major Home Updates or Advancements	$282	1,022	$288,150

Calculate Your Dwelling Coverage in 55904

It's important to understand that when you estimate your replacement cost of your home in the 55904 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.