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Compare 56315 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Brandon just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 697 neighbors looking to save on their home insurance policy in the local 56315 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 56315. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Minnesota rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Brandon, MN home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Brandon, MN

56315 Home Insurance Average Premiums

Local 56315 homeowners insurance quotes comparison

$827 /yr.

Shows Zip Code: 56315 lowest rates with discounts applied on average.

For the 56315, 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)		$827 /yr.
Average Coverage:$1077 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1377 /yr.

What is the average home insurance cost for a home in 56315?

  • • The average homeowners insurance premium paid annually for a home in 56315 is around $1077 per year.

What does it cost on average per month for home insurance in 56315?

  • • Homeowners in 56315 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 56315?

  • • Autoowners in 56315 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 Brandon area, check out other zip codes nearby 56315.
Review average rates in another zip code:
56315 homeowners insurance rates

Home Replacement Cost Coverage in 56315

Average Building Cost Per Square Foot in 56315: $188

Location: Brandon, Minnesota (Douglas County)

Average Square Footage in 56315: 1,026 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 56315 before you start any project. Brandon 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 56315 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 56315 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,026 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 Brandon 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$1881,026$192,800
Additional Upgrades & Added Features$2351,026$241,000
Major Home Updates or Advancements$2821,026$289,200

It's important to understand that when you estimate your replacement cost of your home in the 56315 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 56315

Best Home & Auto Insurance Agencies in 56315

Housing Demographics for 56315

Population Review for 56315 Zip Code

For the city of Brandon, the population within 56315 has increased to over 1,344 residents in population size. The current population total is 1,726. We have broken down the population based on race below. In 56315, there are over 895 in male population and 831 females.

PopulationValues
Total Population1,726
White Population1659
Black Population3
Hispanic Population22
Asian Population5
Hawaiian Population0
Indian Population4
Other Population5
Male Population895
Female Population831
Population Estimate1344

Household Data for 56315

The average number of homes in 56315 is around 697, there are an average of 2.48 per household. The average house value according to local real estate values is around $192,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode697
Persons Per Household2.48
Average House Value$192,800
Income Per Household$80563
Median Age42.7
Median Age Male40.8
Median Age Female43.9
56315 DetailsValues
StateMN
State Full NameMinnesota
City TypeP
City Alias Abbreviation
Area Code320/218
CityBrandon
City Alias NameBRANDON
CountyDouglas
County FIPS041
State FIPS27
Time Zone6
Day Light SavingY
MSA
PMSA
CSA
CBSA10820
CBSA_DIV
CBSA_TypeMicro
CBSA_NameAlexandria, MN
MSA_Name
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses47
Number Of Employees438
Business First Quarter Payroll3995
Business Annual Payroll18665
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population36009
CBSA Division Population0
Congressional District07
Congressional LandArea33429.31
Delivery Residential542
Delivery Business15
Delivery Total827
Preferred Last Line KeyY24884
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyY24884
Land Area68.882000
Water Area7.820000
City Alias Code
City Mixed CaseBrandon
City Alias Mixed CaseBrandon
Box Count228
SFDU540
MFDU0
State ANSI27
County ANSI041
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number261110
Unique ZIP Name
SSA State County Code24200
Medicare CBSA Code99924
Medicare CBSA NameRural Areas in MN
Medicare CBSA TypeMicro
Market Rating Area ID6
County Mixed CaseDouglas

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 […]