Get multiple home insurance quotes in 56472. Our licensed 56472, MN agents are ready to serve you.

56472 Online Home Insurance Rates

Comparing a bunch of different rates for your home in 56472 is very time consuming. At GetHomeInsuranceQuotes.com, we help you shop and compare up to 12 major top-rated A.M. Best companies, to present the most affordable rates for homeowners living in Pequot Lakes, MN. Not only do we provide free comparitive rates, but we also answer any questions you have and offer a free consultation process to help you decide which coverage option is best for you. Most of the time, we can add up to 40% more in savings by applying all the discounts and credits, like a home/auto package, security alarm, new roof upgrade or even deadbolts. It's easy to shop with us, we have already partnered with the most competitive home insurance companies in the 56472 area. If you enter your zip code, you can easily begin the online quoting process, it only takes a few minutes. If you would like to give us a call now at 1-855-976-2656 we will be happy to hear from you.

If you would like to review more information on home insurance premiums in Minnesota, like average Pequot Lakes homeowners insurance rates, coverage options or home insurance types, please select Pequot Lakes, MN Home Insurance Rates Online!

56472 Home Insurance Average Premiums

Local 56472 homeowners insurance quotes comparison

$820 /yr.

Shows Zip Code: 56472 lowest rates with discounts applied on average.

For the 56472, 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)
$820 /yr.
Average Coverage:$1070 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1370 /yr.

What is the average home insurance cost for a home in 56472?

  • • The average homeowners insurance premium paid annually for a home in 56472 is around $1070 per year.

What does it cost on average per month for home insurance in 56472?

  • • Homeowners in 56472 pay a monthly average cost per month around $89.00.

What kind of discount could I get if I combine my home and auto insurance together in 56472?

  • • Autoowners in 56472 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 Pequot Lakes area, check out other zip codes nearby 56472.
Review average rates in another zip code:
56472 homeowners insurance rates

Home Replacement Cost Coverage in 56472

Average Building Cost Per Square Foot in 56472: $188

Location: Pequot Lakes, Minnesota (Crow Wing County)

Average Square Footage in 56472: 1,297 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 56472 before you start any project. Pequot Lakes 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 56472 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 56472 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,297 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 Pequot Lakes 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$1881,297$243,900
Additional Upgrades & Added Features$2351,297$304,875
Major Home Updates or Advancements$2821,297$365,850

It's important to understand that when you estimate your replacement cost of your home in the 56472 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 56472

Insurance Brokers Of

Address: 4325 West Woodman St P.O. Box 364 Pequot Lakes, MN 56472
Phone: (218)568-4620
Website:

Best Home & Auto Insurance Agencies in 56472

Insurance Brokers Of

Address: 4325 W Woodman St Pequot Lakes, MN 56472
Phone:
Website:
Info:

American Family Insurance - John Cochems

Address: 30982 S Washington Ave Pequot Lakes, MN 56472
Phone:
Website: http://www.national.citysearch.com/profile/external/34733433/pequot_lakes_mn/american_family_insurance_john_cochems.html
Info:

Housing Demographics for 56472

Population Review for 56472 Zip Code

For the city of Pequot Lakes, the population within 56472 has increased to over 11,546 residents in population size. The current population total is 8,315. We have broken down the population based on race below. In 56472, there are over 4239 in male population and 4076 females.

PopulationValues
Total Population8,315
White Population7932
Black Population14
Hispanic Population68
Asian Population26
Hawaiian Population5
Indian Population38
Other Population33
Male Population4239
Female Population4076
Population Estimate11546

Household Data for 56472

The average number of homes in 56472 is around 3,433, there are an average of 2.41 per household. The average house value according to local real estate values is around $243,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode3,433
Persons Per Household2.41
Average House Value$243,900
Income Per Household$64279
Median Age45.8
Median Age Male45.4
Median Age Female46.2
56472 DetailsValues
StateMN
State Full NameMinnesota
City TypeP
City Alias Abbreviation
Area Code218
CityPequot Lakes
City Alias NamePEQUOT LAKES
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 Businesses264
Number Of Employees1814
Business First Quarter Payroll17354
Business Annual Payroll87002
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 District08
Congressional LandArea27908.13
Delivery Residential4791
Delivery Business105
Delivery Total5661
Preferred Last Line KeyY26078
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyY26078
Land Area154.895000
Water Area25.645000
City Alias Code
City Mixed CasePequot Lakes
City Alias Mixed CasePequot Lakes
Box Count365
SFDU4378
MFDU341
State ANSI27
County ANSI035
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number267380
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

  • $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 […]

  • I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024

    According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]

  • How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024

    Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm.  Understanding the different coverages that are available to homeowners is key to making sure you […]