Compare quotes for your home in 56301! Compare the best 12 carriers in minutes.
Home Insurance Rates in 56301
For homeowners shopping online in 56301, our insurance rates are very competitive for homeowners living in Saint Cloud, MN. Many homeowners based out of the great city of Saint Cloud have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Minnesota licensed agents can provide a free consultation service to you that allows you to ask questions about which rates and coverage options are best suited for you and your family. To get free home insurance quotes in 56301, simply click the "Get Multiple Quotes Now" button. Your 56301 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. Saint Cloud, MN Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.
56301 Home Insurance Rating is: High!
If you live in 56301, you can easily save up to 40% off the average home insurance premium of $1078 a year by letting us help you compare the best rate and coverage option for your home. We can compare up to 12 major top rated home insurance companies all at once. We also will do a professional analysis to determine which coverage is best suited to cover the risk that you need. Home insurance in Saint Cloud can come in a variety of different packages, it's important to understand which homeowners policy is best. Let us help you compare home insurance rates in 56301 today!
56301 Home Insurance Average Premiums
$828 /yr.
Shows Zip Code: 56301 lowest rates with discounts applied on average.
For the 56301, 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) | $828 /yr. |
| Average Coverage: | $1078 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1378 /yr. |
What is the average home insurance cost for a home in 56301?
- • The average homeowners insurance premium paid annually for a home in 56301 is around $1078 per year.
What does it cost on average per month for home insurance in 56301?
- • Homeowners in 56301 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 56301?
- • Autoowners in 56301 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 Saint Cloud area, check out other zip codes nearby 56301.
Review average rates in another zip code:
56304 homeowners insurance rates
56301 homeowners insurance rates
56303 homeowners insurance rates
Home Replacement Cost Coverage in 56301
Average Building Cost Per Square Foot in 56301: $188
Location: Saint Cloud, Minnesota (Stearns County)Average Square Footage in 56301: 1,105 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 56301 before you start any project. Saint Cloud 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 56301 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 56301 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,105 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 Saint Cloud 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 | 1,105 | $207,800 |
| Additional Upgrades & Added Features | $235 | 1,105 | $259,750 |
| Major Home Updates or Advancements | $282 | 1,105 | $311,700 |
It's important to understand that when you estimate your replacement cost of your home in the 56301 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 56301
Allstate Insurance Companies - Sales Offices- St Cloud
Address: 606 25th Avenue South Suite 108 Saint Cloud, MN 56301Phone: (320)202-8688
Website: www.allstate.com
Best Home & Auto Insurance Agencies in 56301
American Family Insurance- Sarah Nicoll Jane
Address: 2820 2nd Street South Saint Cloud, MN 56301Phone:
Website: http://www.national.citysearch.com/profile/external/47412755/saint_cloud_mn/american_family_insurance_sarah_nicoll_jane.html
Info:
Hess Insurance Agency
Address: 2233 Roosevelt Rd, #4 St Cloud, MN 56301Phone:
Website: http://www.hessagency.com
Info:
Downare- Tammie - State Farm Insurance Agent
Address: 2820 2nd St S, #130 St Cloud, MN 56301Phone:
Website: http://www.tammiedownare.com
Info:
Mark X. Sniezek- CLU- ChFC / Sniezek Agency
Address: 606 25th Ave S St Cloud, MN 56301Phone:
Website:
Info:
Allstate Insurance Company - Julie Roeder
Address: 15 31st Avenue South Saint Cloud, MN 56301Phone:
Website: http://www.allstateagencies.com/044917?cid=OTC-YP.com-IYP&att=TL
Info:
Housing Demographics for 56301
Population Review for 56301 Zip Code
For the city of Saint Cloud, the population within 56301 has increased to over 34,582 residents in population size. The current population total is 33,786. We have broken down the population based on race below. In 56301, there are over 17242 in male population and 16544 females.
| Population | Values |
|---|---|
| Total Population | 33,786 |
| White Population | 23231 |
| Black Population | 6755 |
| Hispanic Population | 1397 |
| Asian Population | 1295 |
| Hawaiian Population | 23 |
| Indian Population | 154 |
| Other Population | 652 |
| Male Population | 17242 |
| Female Population | 16544 |
| Population Estimate | 34582 |
Household Data for 56301
The average number of homes in 56301 is around 12,232, there are an average of 2.58 per household. The average house value according to local real estate values is around $207,800. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 12,232 |
| Persons Per Household | 2.58 |
| Average House Value | $207,800 |
| Income Per Household | $61561 |
| Median Age | 29.5 |
| Median Age Male | 28.9 |
| Median Age Female | 30.3 |
| 56301 Details | Values |
|---|---|
| State | MN |
| State Full Name | Minnesota |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 320 |
| City | Saint Cloud |
| City Alias Name | SAINT CLOUD |
| County | Stearns |
| County FIPS | 145 |
| State FIPS | 27 |
| Time Zone | 6 |
| Day Light Saving | Y |
| MSA | 6980 |
| PMSA | |
| CSA | 378 |
| CBSA | 41060 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | St. Cloud, MN |
| MSA_Name | St. Cloud, MN MSA |
| PMSA_Name | |
| Region | Midwest |
| Division | West North Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 1187 |
| Number Of Employees | 19239 |
| Business First Quarter Payroll | 220825 |
| Business Annual Payroll | 933815 |
| 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 | 189093 |
| CBSA Division Population | 0 |
| Congressional District | 06 |
| Congressional LandArea | 2882.22 |
| Delivery Residential | 13404 |
| Delivery Business | 1216 |
| Delivery Total | 14373 |
| Preferred Last Line Key | Y26242 |
| Classification Code | |
| Multi-County | |
| CSA Name | Minneapolis-St. Paul, MN-WI |
| CBSA_DIV_Name | |
| City State Key | Y26242 |
| Land Area | 76.581000 |
| Water Area | 2.250000 |
| City Alias Code | |
| City Mixed Case | Saint Cloud |
| City Alias Mixed Case | Saint Cloud |
| Box Count | 0 |
| SFDU | 7254 |
| MFDU | 5012 |
| State ANSI | 27 |
| County ANSI | 145 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 268280 |
| Unique ZIP Name | |
| SSA State County Code | 24720 |
| Medicare CBSA Code | 41060 |
| Medicare CBSA Name | St. Cloud, MN |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 8 |
| County Mixed Case | Stearns |
Minnesota Homeowners Insurance News & Information
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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 […]
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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 […]
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$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 […]