Get multiple home insurance quotes in 56449. Our licensed 56449, MN agents are ready to serve you.

56449 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 56449 zip code it's important to know that our rates are very competitive for homeowners living in Fort Ripley, MN. Many homeowners based out of your 56449 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 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 the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 56449 should appear in the zip code field ready to go. For Fort Ripley, MN Homeowners Insurance Quotes nearby, we offer the best rates and service.

56449: Average Home Insurance Rates

For homeowners living in the great city of Fort Ripley, the average homeowners policy is considered high in comparison to other states. Minnesota premiums are estimated to be around $1105 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

Save on 56449 Home Insurance Quotes!

56449 Home Insurance Average Premiums

Local 56449 homeowners insurance quotes comparison

$855 /yr.

Shows Zip Code: 56449 lowest rates with discounts applied on average.

For the 56449, 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)		$855 /yr.
Average Coverage:$1105 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1405 /yr.

What is the average home insurance cost for a home in 56449?

  • • The average homeowners insurance premium paid annually for a home in 56449 is around $1105 per year.

What does it cost on average per month for home insurance in 56449?

  • • Homeowners in 56449 pay a monthly average cost per month around $92.00.

What kind of discount could I get if I combine my home and auto insurance together in 56449?

  • • Autoowners in 56449 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 Fort Ripley area, check out other zip codes nearby 56449.
Review average rates in another zip code:
56449 homeowners insurance rates

Home Replacement Cost Coverage in 56449

Average Building Cost Per Square Foot in 56449: $188

Location: Fort Ripley, Minnesota (Crow Wing County)

Average Square Footage in 56449: 1,134 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 56449 before you start any project. Fort Ripley 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 56449 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 56449 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,134 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 Fort Ripley 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$1881,134$213,100
Additional Upgrades & Added Features$2351,134$266,375
Major Home Updates or Advancements$2821,134$319,650

It's important to understand that when you estimate your replacement cost of your home in the 56449 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 56449

Best Home & Auto Insurance Agencies in 56449

Housing Demographics for 56449

Population Review for 56449 Zip Code

For the city of Fort Ripley, the population within 56449 has increased to over 1,984 residents in population size. The current population total is 1,897. We have broken down the population based on race below. In 56449, there are over 1033 in male population and 864 females.

PopulationValues
Total Population1,897
White Population1784
Black Population7
Hispanic Population21
Asian Population7
Hawaiian Population0
Indian Population10
Other Population8
Male Population1033
Female Population864
Population Estimate1984

Household Data for 56449

The average number of homes in 56449 is around 702, there are an average of 2.70 per household. The average house value according to local real estate values is around $213,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode702
Persons Per Household2.70
Average House Value$213,100
Income Per Household$75583
Median Age40.6
Median Age Male41.7
Median Age Female39.3
56449 DetailsValues
StateMN
State Full NameMinnesota
City TypeP
City Alias Abbreviation
Area Code320
CityFort Ripley
City Alias NameFORT RIPLEY
CountyCrow Wing
County FIPS035
State FIPS27
Time Zone6
Day Light SavingY
MSA
PMSA
CSA
CBSA14660
CBSA_DIV
CBSA_TypeMicro
CBSA_NameBrainerd, MN
MSA_Name
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses33
Number Of Employees224
Business First Quarter Payroll1430
Business Annual Payroll7331
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population91067
CBSA Division Population0
Congressional District07|08
Congressional LandArea33429.31|27908.13
Delivery Residential735
Delivery Business6
Delivery Total879
Preferred Last Line KeyY25300
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyY25300
Land Area89.668000
Water Area2.476000
City Alias Code
City Mixed CaseFort Ripley
City Alias Mixed CaseFort Ripley
Box Count4
SFDU730
MFDU0
State ANSI27
County ANSI035
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number263340
Unique ZIP Name
SSA State County Code24170
Medicare CBSA Code99924
Medicare CBSA NameRural Areas in MN
Medicare CBSA TypeMicro
Market Rating Area ID7
County Mixed CaseCrow Wing

Minnesota Homeowners Insurance News & Information

  • 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 […]

  • 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 […]