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56633 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 56633? There are over 1,570 occupied homes in the 56633 area. With a population size of 4,751, it's not uncommon for residence of Cass Lake, MN to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Minnesota is around $1,090 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 56633 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Cass Lake, MN Home Insurance Rate Quotes

56633 Home Insurance Average Premiums

Local 56633 homeowners insurance quotes comparison

$840 /yr.

Shows Zip Code: 56633 lowest rates with discounts applied on average.

For the 56633, 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)		$840 /yr.
Average Coverage:$1090 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1390 /yr.

What is the average home insurance cost for a home in 56633?

  • • The average homeowners insurance premium paid annually for a home in 56633 is around $1090 per year.

What does it cost on average per month for home insurance in 56633?

  • • Homeowners in 56633 pay a monthly average cost per month around $91.00.

What kind of discount could I get if I combine my home and auto insurance together in 56633?

  • • Autoowners in 56633 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 Cass Lake area, check out other zip codes nearby 56633.
Review average rates in another zip code:
56633 homeowners insurance rates

Home Replacement Cost Coverage in 56633

Average Building Cost Per Square Foot in 56633: $188

Location: Cass Lake, Minnesota (Cass County)

Average Square Footage in 56633: 692 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 56633 before you start any project. Cass Lake 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 56633 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 56633 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 692 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 Cass Lake 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$188692$130,100
Additional Upgrades & Added Features$235692$162,625
Major Home Updates or Advancements$282692$195,150

It's important to understand that when you estimate your replacement cost of your home in the 56633 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 56633

Best Home & Auto Insurance Agencies in 56633

Housing Demographics for 56633

Population Review for 56633 Zip Code

For the city of Cass Lake, the population within 56633 has increased to over 4,200 residents in population size. The current population total is 4,751. We have broken down the population based on race below. In 56633, there are over 2396 in male population and 2355 females.

PopulationValues
Total Population4,751
White Population1506
Black Population12
Hispanic Population94
Asian Population2
Hawaiian Population3
Indian Population2862
Other Population25
Male Population2396
Female Population2355
Population Estimate4200

Household Data for 56633

The average number of homes in 56633 is around 1,570, there are an average of 3.02 per household. The average house value according to local real estate values is around $130,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,570
Persons Per Household3.02
Average House Value$130,100
Income Per Household$53988
Median Age35.6
Median Age Male35.5
Median Age Female35.7
56633 DetailsValues
StateMN
State Full NameMinnesota
City TypeP
City Alias Abbreviation
Area Code218
CityCass Lake
City Alias NameCASS LAKE
CountyCass
County FIPS021
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 Businesses77
Number Of Employees732
Business First Quarter Payroll8180
Business Annual Payroll38228
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 Residential1391
Delivery Business49
Delivery Total2234
Preferred Last Line KeyY24971
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyY24971
Land Area216.390000
Water Area93.785000
City Alias Code
City Mixed CaseCass Lake
City Alias Mixed CaseCass Lake
Box Count720
SFDU1243
MFDU51
State ANSI27
County ANSI021
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number261560
Unique ZIP Name
SSA State County Code24100
Medicare CBSA Code99924
Medicare CBSA NameRural Areas in MN
Medicare CBSA TypeMicro
Market Rating Area ID7
County Mixed CaseCass

Minnesota Homeowners Insurance News & Information

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    Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance.  We thought it might be a good idea to look at some spring cleaning and maintenance […]

  • Homeowners Now Use This Strategy To Save Money on Home Insurance. Is It a Good Idea? Posted on Wednesday 26th March, 2025

    According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone.  Data from the Intercontinental Exchange (ICE) showed […]

  • Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025

    According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid.  Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]