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56134 Homeowners Insurance Rate Quotes

Are you shopping for homeowners insurance quotes in 56134? Our rates are very competitive for homeowners living in Hardwick, MN. Many homeowners based out of your 56134 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our homeowners insurance quotes are free and our Minnesota licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 56134 should appear in the zip code field ready to go. For Hardwick, MN Home Insurance Rate Quotes click to review the best rates and service online!

56134 Average Premium is Rated: High!

Homeowners living in 56134 can easily save up to 40% off the average home insurance premium of $1090 a year by comparing rates with us at GetHomeInsuranceQuotes.com. You don't have to do the research to find the best company, rate and coverage options. We have already done this for you. We have 12 major carriers in Hardwick that are all very competitive and have the best rate and coverage option available. All you need to do is request quotes online for zip code 56134 and we will help you compare prices and apply all available discounts. If you want savings and also need help deciding which policy is best for you, than let us help you compare multiple rates today!

Get Multiple Home Insurance Rates in 56134!

56134 Home Insurance Average Premiums

Local 56134 homeowners insurance quotes comparison

$840 /yr.

Shows Zip Code: 56134 lowest rates with discounts applied on average.

For the 56134, 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)
$840 /yr.
Average Coverage:$1090 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1390 /yr.

What is the average home insurance cost for a home in 56134?

  • • The average homeowners insurance premium paid annually for a home in 56134 is around $1090 per year.

What does it cost on average per month for home insurance in 56134?

  • • Homeowners in 56134 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 56134?

  • • Autoowners in 56134 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 Hardwick area, check out other zip codes nearby 56134.
Review average rates in another zip code:
56134 homeowners insurance rates

Home Replacement Cost Coverage in 56134

Average Building Cost Per Square Foot in 56134: $188

Location: Hardwick, Minnesota (Rock County)

Average Square Footage in 56134: 632 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 56134 before you start any project. Hardwick 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 56134 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 56134 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 632 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 Hardwick 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$188632$118,800
Additional Upgrades & Added Features$235632$148,500
Major Home Updates or Advancements$282632$178,200

It's important to understand that when you estimate your replacement cost of your home in the 56134 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 56134

Best Home & Auto Insurance Agencies in 56134

Housing Demographics for 56134

Population Review for 56134 Zip Code

For the city of Hardwick, the population within 56134 has increased to over 243 residents in population size. The current population total is 411. We have broken down the population based on race below. In 56134, there are over 211 in male population and 200 females.

PopulationValues
Total Population411
White Population383
Black Population1
Hispanic Population18
Asian Population1
Hawaiian Population0
Indian Population2
Other Population1
Male Population211
Female Population200
Population Estimate243

Household Data for 56134

The average number of homes in 56134 is around 169, there are an average of 2.43 per household. The average house value according to local real estate values is around $118,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode169
Persons Per Household2.43
Average House Value$118,800
Income Per Household$53333
Median Age41.8
Median Age Male41.8
Median Age Female41.8
56134 DetailsValues
StateMN
State Full NameMinnesota
City TypeP
City Alias Abbreviation
Area Code507
CityHardwick
City Alias NameHARDWICK
CountyRock
County FIPS133
State FIPS27
Time Zone6
Day Light SavingY
MSA
PMSA
CSA
CBSA43620
CBSA_DIV
CBSA_TypeMetro
CBSA_NameSioux Falls, SD-MN
MSA_Name
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses11
Number Of Employees30
Business First Quarter Payroll408
Business Annual Payroll1959
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population228261
CBSA Division Population0
Congressional District01
Congressional LandArea11973.99
Delivery Residential100
Delivery Business2
Delivery Total175
Preferred Last Line KeyY25432
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY25432
Land Area50.100000
Water Area0.000000
City Alias Code
City Mixed CaseHardwick
City Alias Mixed CaseHardwick
Box Count66
SFDU100
MFDU0
State ANSI27
County ANSI133
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number264180
Unique ZIP Name
SSA State County Code24660
Medicare CBSA Code99924
Medicare CBSA NameRural Areas in MN
Medicare CBSA TypeMicro
Market Rating Area ID4
County Mixed CaseRock

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 […]