Get multiple home insurance quotes in 56101. Our licensed 56101, MN agents are ready to serve you.

56101 Home Insurance Rates & Premiums

Did you know there are over 6,008 people living within the 56101 zip code area? There are over 2,476 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 56101.

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 $1,092 a year for a standard homeowners insurance policy in Windom. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Windom, MN Homeowners Insurance Quotes Online

56101 Home Insurance Average Premiums

Local 56101 homeowners insurance quotes comparison

$842 /yr.

Shows Zip Code: 56101 lowest rates with discounts applied on average.

For the 56101, 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)		$842 /yr.
Average Coverage:$1092 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1392 /yr.

What is the average home insurance cost for a home in 56101?

  • • The average homeowners insurance premium paid annually for a home in 56101 is around $1092 per year.

What does it cost on average per month for home insurance in 56101?

  • • Homeowners in 56101 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 56101?

  • • Autoowners in 56101 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 Windom area, check out other zip codes nearby 56101.
Review average rates in another zip code:
56101 homeowners insurance rates

Home Replacement Cost Coverage in 56101

Average Building Cost Per Square Foot in 56101: $188

Location: Windom, Minnesota (Cottonwood County)

Average Square Footage in 56101: 693 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 56101 before you start any project. Windom 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 56101 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 56101 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 693 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 Windom 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$188693$130,300
Additional Upgrades & Added Features$235693$162,875
Major Home Updates or Advancements$282693$195,450

It's important to understand that when you estimate your replacement cost of your home in the 56101 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 56101

Best Home & Auto Insurance Agencies in 56101

JoAnne Cowan Ins Agency Inc - State Farm Insurance Agent

Address: 1515 1st Ave N Windom, MN 56101
Phone:
Website:
Info:

Housing Demographics for 56101

Population Review for 56101 Zip Code

For the city of Windom, the population within 56101 has increased to over 6,272 residents in population size. The current population total is 6,008. We have broken down the population based on race below. In 56101, there are over 2990 in male population and 3018 females.

PopulationValues
Total Population6,008
White Population4917
Black Population121
Hispanic Population739
Asian Population86
Hawaiian Population68
Indian Population37
Other Population436
Male Population2990
Female Population3018
Population Estimate6272

Household Data for 56101

The average number of homes in 56101 is around 2,476, there are an average of 2.35 per household. The average house value according to local real estate values is around $130,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,476
Persons Per Household2.35
Average House Value$130,300
Income Per Household$55240
Median Age41.9
Median Age Male39.6
Median Age Female44.3
56101 DetailsValues
StateMN
State Full NameMinnesota
City TypeP
City Alias Abbreviation
Area Code507
CityWindom
City Alias NameWINDOM
CountyCottonwood
County FIPS033
State FIPS27
Time Zone6
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses221
Number Of Employees2922
Business First Quarter Payroll24896
Business Annual Payroll111269
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District01|07
Congressional LandArea11973.99|33429.31
Delivery Residential2669
Delivery Business172
Delivery Total3020
Preferred Last Line KeyY26696
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyY26696
Land Area172.330000
Water Area3.354000
City Alias Code
City Mixed CaseWindom
City Alias Mixed CaseWindom
Box Count71
SFDU2261
MFDU350
State ANSI27
County ANSI033
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number269775
Unique ZIP Name
SSA State County Code24160
Medicare CBSA Code99924
Medicare CBSA NameRural Areas in MN
Medicare CBSA TypeMicro
Market Rating Area ID4
County Mixed CaseCottonwood

Minnesota Homeowners Insurance News & Information

  • 2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025

    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 […]