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56571 Home Insurance Rates & Premiums

Did you know there are over 1,968 people living within the 56571 zip code area? There are over 893 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 56571.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Minnesota are on the rise. The estimated average premium is around $1,079 a year for a standard homeowners insurance policy in Ottertail. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Ottertail, MN Homeowners Insurance Quotes Online

56571 Home Insurance Average Premiums

Local 56571 homeowners insurance quotes comparison

$829 /yr.

Shows Zip Code: 56571 lowest rates with discounts applied on average.

For the 56571, 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)		$829 /yr.
Average Coverage:$1079 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1379 /yr.

What is the average home insurance cost for a home in 56571?

  • • The average homeowners insurance premium paid annually for a home in 56571 is around $1079 per year.

What does it cost on average per month for home insurance in 56571?

  • • Homeowners in 56571 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 56571?

  • • Autoowners in 56571 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 Ottertail area, check out other zip codes nearby 56571.
Review average rates in another zip code:
56571 homeowners insurance rates

Home Replacement Cost Coverage in 56571

Average Building Cost Per Square Foot in 56571: $188

Location: Ottertail, Minnesota (Otter Tail County)

Average Square Footage in 56571: 1,439 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 56571 before you start any project. Ottertail 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 56571 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 56571 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,439 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 Ottertail 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$1881,439$270,500
Additional Upgrades & Added Features$2351,439$338,125
Major Home Updates or Advancements$2821,439$405,750

It's important to understand that when you estimate your replacement cost of your home in the 56571 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 56571

Best Home & Auto Insurance Agencies in 56571

Housing Demographics for 56571

Population Review for 56571 Zip Code

For the city of Ottertail, the population within 56571 has increased to over 2,415 residents in population size. The current population total is 1,968. We have broken down the population based on race below. In 56571, there are over 1047 in male population and 921 females.

PopulationValues
Total Population1,968
White Population1874
Black Population3
Hispanic Population48
Asian Population2
Hawaiian Population2
Indian Population9
Other Population15
Male Population1047
Female Population921
Population Estimate2415

Household Data for 56571

The average number of homes in 56571 is around 893, there are an average of 2.20 per household. The average house value according to local real estate values is around $270,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode893
Persons Per Household2.20
Average House Value$270,500
Income Per Household$75417
Median Age55.1
Median Age Male56.0
Median Age Female54.5
56571 DetailsValues
StateMN
State Full NameMinnesota
City TypeP
City Alias Abbreviation
Area Code218
CityOttertail
City Alias NameOTTERTAIL
CountyOtter Tail
County FIPS111
State FIPS27
Time Zone6
Day Light SavingY
MSA
PMSA
CSA
CBSA22260
CBSA_DIV
CBSA_TypeMicro
CBSA_NameFergus Falls, MN
MSA_Name
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses55
Number Of Employees528
Business First Quarter Payroll4228
Business Annual Payroll22263
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population57303
CBSA Division Population0
Congressional District07
Congressional LandArea33429.31
Delivery Residential1098
Delivery Business26
Delivery Total1278
Preferred Last Line KeyY26046
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY26046
Land Area46.341000
Water Area16.898000
City Alias Code
City Mixed CaseOttertail
City Alias Mixed CaseOttertail
Box Count106
SFDU1094
MFDU1
State ANSI27
County ANSI111
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number267210
Unique ZIP Name
SSA State County Code24550
Medicare CBSA Code99924
Medicare CBSA NameRural Areas in MN
Medicare CBSA TypeMicro
Market Rating Area ID6
County Mixed CaseOtter Tail

Minnesota Homeowners Insurance News & Information

  • 2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025

    While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future.  According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]

  • Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025

    Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]

  • 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 […]