Homeowners Insurance in 56304

For homeowners living in 56304, you want more affordable home insurance rates in Saint Cloud, right? Our rates are very competitive for homeowners living in the great city of Saint Cloud, MN. Many homeowners living in the 56304 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the top home insurance companies that we will shop for you all in one place. 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 which policy and coverage option is best for you and your family. Get the home insurance protection you need and start a free home insurance quote today, simply click the "Get Multiple Quotes Now" button. Your 56304 should appear in the zip code field ready to go. Comparing Saint Cloud, MN Home Insurance Quotes in your area, we can review the best rates and coverage options with multiple carriers to choose from.

56304 Home Insurance Costs Are Considered: High!

The overall cost of homeowners insurance on average for a standard HO-3 home insurance policy for homeowners living in Saint Cloud pay around $1097 per year. For affordable homeowners insurance, we have the best prices when it comes to comparing Minnesota home insurance rates. At GetHomeInsuranceQuotes.com, we compare the most competitive companies then we let you review the most affordable rates and coverage options. Homeowners living in the 56304 zip code usually have questions about which coverage option is best. Our process is spam and hassle free so you can get your questions answer quickly and review the best home insurance policy for you. Most of all, Saint Cloud homeowners enjoy saving up to 40% or even more when we apply all the discounts available. Let us help you shop and save on your Minnesota home insurance premium today!

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Average Building Cost Per Square Foot in 56304: $188

Average Square Footage in 56304: 975 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 56304 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 56304 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 56304 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 975 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.

It's important to understand that when you estimate your replacement cost of your home in the 56304 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.

SCOTT SOUKUP-FARMERS INSURANCE DISTRICT MANAGER

Farmers Insurance Group - Dustin Schroeder

Kelley, Mark - Farmers Insurance

Household Data for 56304

The average number of homes in 56304 is around 6,820, there are an average of 2.33 per household. The average house value according to local real estate values is around $183,300. Please review the following demographics below for average income and media age.

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