Get multiple home insurance quotes in 56574. Our licensed 56574, MN agents are ready to serve you.

56574 Online Home Insurance Rates

Comparing a bunch of different rates for your home in 56574 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 Perley, 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 56574 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 Perley homeowners insurance rates, coverage options or home insurance types, please select Perley, MN Home Insurance Rates Online!

56574 Home Insurance Average Premiums

Local 56574 homeowners insurance quotes comparison

$863 /yr.

Shows Zip Code: 56574 lowest rates with discounts applied on average.

For the 56574, 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)
$863 /yr.
Average Coverage:$1113 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1413 /yr.

What is the average home insurance cost for a home in 56574?

  • • The average homeowners insurance premium paid annually for a home in 56574 is around $1113 per year.

What does it cost on average per month for home insurance in 56574?

  • • Homeowners in 56574 pay a monthly average cost per month around $93.00.

What kind of discount could I get if I combine my home and auto insurance together in 56574?

  • • Autoowners in 56574 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 Perley area, check out other zip codes nearby 56574.
Review average rates in another zip code:
56574 homeowners insurance rates

Home Replacement Cost Coverage in 56574

Average Building Cost Per Square Foot in 56574: $188

Location: Perley, Minnesota (Norman County)

Average Square Footage in 56574: 530 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 56574 before you start any project. Perley 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 56574 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 56574 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 530 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 Perley 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$188530$99,600
Additional Upgrades & Added Features$235530$124,500
Major Home Updates or Advancements$282530$149,400

It's important to understand that when you estimate your replacement cost of your home in the 56574 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 56574

Best Home & Auto Insurance Agencies in 56574

Housing Demographics for 56574

Population Review for 56574 Zip Code

For the city of Perley, the population within 56574 has increased to over 181 residents in population size. The current population total is 261. We have broken down the population based on race below. In 56574, there are over 137 in male population and 124 females.

PopulationValues
Total Population261
White Population240
Black Population0
Hispanic Population7
Asian Population2
Hawaiian Population0
Indian Population4
Other Population3
Male Population137
Female Population124
Population Estimate181

Household Data for 56574

The average number of homes in 56574 is around 118, there are an average of 2.21 per household. The average house value according to local real estate values is around $99,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode118
Persons Per Household2.21
Average House Value$99,600
Income Per Household$73472
Median Age45.8
Median Age Male47.3
Median Age Female44.5
56574 DetailsValues
StateMN
State Full NameMinnesota
City TypeP
City Alias Abbreviation
Area Code218
CityPerley
City Alias NamePERLEY
CountyNorman
County FIPS107
State FIPS27
Time Zone6
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses6
Number Of Employees20
Business First Quarter Payroll154
Business Annual Payroll618
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District07
Congressional LandArea33429.31
Delivery Residential82
Delivery Business1
Delivery Total237
Preferred Last Line KeyY26081
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyY26081
Land Area68.790000
Water Area0.593000
City Alias Code
City Mixed CasePerley
City Alias Mixed CasePerley
Box Count30
SFDU82
MFDU0
State ANSI27
County ANSI107
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number267400
Unique ZIP Name
SSA State County Code24530
Medicare CBSA Code99924
Medicare CBSA NameRural Areas in MN
Medicare CBSA TypeMicro
Market Rating Area ID9
County Mixed CaseNorman

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 […]