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Searching for Homeowners Insurance in 56652

If you are a homeowners that lives in 56652 you may be searching for more affordable homeowners insurance in Leonard. Insurance rates can change on a yearly basis so if your current insurer has raised your rates recently it may be time to shop your coverage and we can help.

GetHomeInsuranceQuotes.com makes shopping your insurance policy quick and easy for residents of Leonard, MN. All you have to do is enter a bit of information about your home and we will gather 12 quotes from nationwide insurers, making sure that you get the best coverage levels and rates available.

Our Minnesota licensed agents will provide a free consultation to make sure you are fully protected as well as answer any questions you may have about policy options. Insurance can be complicated so it pays to have a professional walk you through your various policy choices. As always, our service is free.

Getting started is easy. Click the "Get Multiple Quotes Now" button, verify your zip code and start saving.

Get 56652 Home Insurance Rate Quotes Right Now!

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Leonard, MN home insurance quotes in your local city and review the most competitive coverages and premiums.

Check Out 56652 Home Insurance Costs: high!

In Leonard, homeowners are paying roughly $1126 per year for a HO-3 policy which is considered the standard for a single family home. In order to find the best policy at the best price, we compare rates from some of the most competitive insurers and present you with your best options for homeowners insurance coverage in 56652 zip code.

Our service is free and we never spam our clients so you only receive the information that you request. While all situations are different, in most cases, homeowners in Leonard are saving up to 40 percent on their policy costs by using GetHomeInsuranceQuotes.com.

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56652 Home Insurance Average Premiums

Local 56652 homeowners insurance quotes comparison

$876 /yr.

Shows Zip Code: 56652 lowest rates with discounts applied on average.

For the 56652, 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)
$876 /yr.
Average Coverage:$1126 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1426 /yr.

What is the average home insurance cost for a home in 56652?

  • • The average homeowners insurance premium paid annually for a home in 56652 is around $1126 per year.

What does it cost on average per month for home insurance in 56652?

  • • Homeowners in 56652 pay a monthly average cost per month around $94.00.

What kind of discount could I get if I combine my home and auto insurance together in 56652?

  • • Autoowners in 56652 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 Leonard area, check out other zip codes nearby 56652.
Review average rates in another zip code:
56652 homeowners insurance rates

Home Replacement Cost Coverage in 56652

Average Building Cost Per Square Foot in 56652: $188

Location: Leonard, Minnesota (Clearwater County)

Average Square Footage in 56652: 1,001 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 56652 before you start any project. Leonard 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 56652 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 56652 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,001 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 Leonard 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$1881,001$188,100
Additional Upgrades & Added Features$2351,001$235,125
Major Home Updates or Advancements$2821,001$282,150

It's important to understand that when you estimate your replacement cost of your home in the 56652 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 56652

Best Home & Auto Insurance Agencies in 56652

Housing Demographics for 56652

Population Review for 56652 Zip Code

For the city of Leonard, the population within 56652 has increased to over 503 residents in population size. The current population total is 509. We have broken down the population based on race below. In 56652, there are over 294 in male population and 215 females.

PopulationValues
Total Population509
White Population469
Black Population1
Hispanic Population15
Asian Population1
Hawaiian Population0
Indian Population5
Other Population4
Male Population294
Female Population215
Population Estimate503

Household Data for 56652

The average number of homes in 56652 is around 219, there are an average of 2.32 per household. The average house value according to local real estate values is around $188,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode219
Persons Per Household2.32
Average House Value$188,100
Income Per Household$65313
Median Age38.4
Median Age Male37.6
Median Age Female39.5
56652 DetailsValues
StateMN
State Full NameMinnesota
City TypeC
City Alias Abbreviation
Area Code218
CityLeonard
City Alias NameLEONARD
CountyClearwater
County FIPS029
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 Businesses5
Number Of Employees16
Business First Quarter Payroll44
Business Annual Payroll259
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 District08
Congressional LandArea27908.13
Delivery Residential217
Delivery Business1
Delivery Total252
Preferred Last Line KeyY26816
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY26816
Land Area65.401000
Water Area2.780000
City Alias Code
City Mixed CaseLeonard
City Alias Mixed CaseLeonard
Box Count29
SFDU217
MFDU0
State ANSI27
County ANSI029
ZIP Intro
Alias Intro
Facility CodeC
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number261770
Unique ZIP Name
SSA State County Code24140
Medicare CBSA Code99924
Medicare CBSA NameRural Areas in MN
Medicare CBSA TypeMicro
Market Rating Area ID9
County Mixed CaseClearwater

Minnesota Homeowners Insurance News & Information

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    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 […]