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55968 Home Insurance Rates & Premiums

Did you know there are over 124 people living within the 55968 zip code area? There are over 75 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 55968.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Minnesota are on the rise. The estimated average premium is around $1,082 a year for a standard homeowners insurance policy in Reads Landing. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Reads Landing, MN Homeowners Insurance Quotes Online

55968 Home Insurance Average Premiums

Local 55968 homeowners insurance quotes comparison

$832 /yr.

Shows Zip Code: 55968 lowest rates with discounts applied on average.

For the 55968, 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)		$832 /yr.
Average Coverage:$1082 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1382 /yr.

What is the average home insurance cost for a home in 55968?

  • • The average homeowners insurance premium paid annually for a home in 55968 is around $1082 per year.

What does it cost on average per month for home insurance in 55968?

  • • Homeowners in 55968 pay a monthly average cost per month around $90.00.

What kind of discount could I get if I combine my home and auto insurance together in 55968?

  • • Autoowners in 55968 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 Reads Landing area, check out other zip codes nearby 55968.
Review average rates in another zip code:
55968 homeowners insurance rates

Home Replacement Cost Coverage in 55968

Average Building Cost Per Square Foot in 55968: $188

Location: Reads Landing, Minnesota (Wabasha County)

Average Square Footage in 55968: 1,031 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 55968 before you start any project. Reads Landing 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 55968 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 55968 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,031 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 Reads Landing 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$1881,031$193,800
Additional Upgrades & Added Features$2351,031$242,250
Major Home Updates or Advancements$2821,031$290,700

It's important to understand that when you estimate your replacement cost of your home in the 55968 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 55968

Best Home & Auto Insurance Agencies in 55968

Housing Demographics for 55968

Population Review for 55968 Zip Code

For the city of Reads Landing, the population within 55968 has increased to over 117 residents in population size. The current population total is 124. We have broken down the population based on race below. In 55968, there are over 66 in male population and 58 females.

PopulationValues
Total Population124
White Population118
Black Population0
Hispanic Population0
Asian Population0
Hawaiian Population0
Indian Population0
Other Population0
Male Population66
Female Population58
Population Estimate117

Household Data for 55968

The average number of homes in 55968 is around 75, there are an average of 1.65 per household. The average house value according to local real estate values is around $193,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode75
Persons Per Household1.65
Average House Value$193,800
Income Per Household$53125
Median Age60.0
Median Age Male63.0
Median Age Female57.0
55968 DetailsValues
StateMN
State Full NameMinnesota
City TypeN
City Alias Abbreviation
Area Code651
CityReads Landing
City Alias NameREADS LANDING
CountyWabasha
County FIPS157
State FIPS27
Time Zone6
Day Light SavingY
MSA
PMSA
CSA462
CBSA40340
CBSA_DIV
CBSA_TypeMetro
CBSA_NameRochester, MN
MSA_Name
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses0
Number Of Employees0
Business First Quarter Payroll0
Business Annual Payroll0
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population186011
CBSA Division Population0
Congressional District01
Congressional LandArea11973.99
Delivery Residential71
Delivery Business0
Delivery Total142
Preferred Last Line Key002888
Classification Code
Multi-County
CSA NameRochester-Austin-Winona, MN
CBSA_DIV_Name
City State Key002888
Land Area1.603000
Water Area0.000000
City Alias Code
City Mixed CaseReads Landing
City Alias Mixed CaseReads Landing
Box Count0
SFDU71
MFDU0
State ANSI27
County ANSI157
ZIP Intro
Alias Intro
Facility CodeN
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number269510
Unique ZIP Name
SSA State County Code24780
Medicare CBSA Code40340
Medicare CBSA NameRochester, MN
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseWabasha

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 […]