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If you live in the 56744 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of Oslo have saved hundreds of dollars on their annual premium when using GetHomeInsuranceQuotes.com.

Our service is always free and we not only find a great policy for you, our MN licensed agents will provide you with a free consultation to discuss your coverage needs and answer any questions you may have regarding policy coverages or rates.

It is easy to start shopping for a new policy, just click on the "Get Multiple Quotes Now" button below, confirm your 56744 and then compare quotes from a variety of nationwide insurance companies.

56744 Average Homeowners Insurance Rates

If you are shopping for a HO-3 policy, which is considered the standard when it comes to homeowners insurance, we can help. In 56744 the average premium for homeowners coverage is $1092 which compares very well to the national average of $1,249.

Our site makes it easy for you to find the insurer that offers the best coverage at the best rate in 56744. We are happy to answer any questions you may have and explain the different type of coverage while helping you determine what coverage levels are best for your family.

Get Free Home Insurance Quotes in 56744 Today!

We can help you find up to 12 homeowners insurance quotes quickly and from the comfort of your own home. In addition, we can do a discount review to make sure you are getting all available discounts on your policy.

Click to review the best Oslo, MN home insurance quotes in your area.

56744 Home Insurance Average Premiums

Local 56744 homeowners insurance quotes comparison

$842 /yr.

Shows Zip Code: 56744 lowest rates with discounts applied on average.

For the 56744, 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)
$842 /yr.
Average Coverage:$1092 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1392 /yr.

What is the average home insurance cost for a home in 56744?

  • • The average homeowners insurance premium paid annually for a home in 56744 is around $1092 per year.

What does it cost on average per month for home insurance in 56744?

  • • Homeowners in 56744 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 56744?

  • • Autoowners in 56744 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 Oslo area, check out other zip codes nearby 56744.
Review average rates in another zip code:
56744 homeowners insurance rates

Home Replacement Cost Coverage in 56744

Average Building Cost Per Square Foot in 56744: $188

Location: Oslo, Minnesota (Marshall County)

Average Square Footage in 56744: 582 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 56744 before you start any project. Oslo 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 56744 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 56744 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 582 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 Oslo 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$188582$109,500
Additional Upgrades & Added Features$235582$136,875
Major Home Updates or Advancements$282582$164,250

It's important to understand that when you estimate your replacement cost of your home in the 56744 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 56744

Best Home & Auto Insurance Agencies in 56744

Housing Demographics for 56744

Population Review for 56744 Zip Code

For the city of Oslo, the population within 56744 has increased to over 400 residents in population size. The current population total is 526. We have broken down the population based on race below. In 56744, there are over 276 in male population and 250 females.

PopulationValues
Total Population526
White Population463
Black Population0
Hispanic Population66
Asian Population0
Hawaiian Population0
Indian Population4
Other Population16
Male Population276
Female Population250
Population Estimate400

Household Data for 56744

The average number of homes in 56744 is around 230, there are an average of 2.29 per household. The average house value according to local real estate values is around $109,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode230
Persons Per Household2.29
Average House Value$109,500
Income Per Household$67000
Median Age39.8
Median Age Male40.8
Median Age Female37.5
56744 DetailsValues
StateMN
State Full NameMinnesota
City TypeP
City Alias Abbreviation
Area Code218
CityOslo
City Alias NameOSLO
CountyMarshall
County FIPS089
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 Businesses13
Number Of Employees179
Business First Quarter Payroll1874
Business Annual Payroll13012
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 Residential175
Delivery Business4
Delivery Total266
Preferred Last Line KeyY26037
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyY26037
Land Area96.054000
Water Area1.775000
City Alias Code
City Mixed CaseOslo
City Alias Mixed CaseOslo
Box Count74
SFDU151
MFDU0
State ANSI27
County ANSI089
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number267160
Unique ZIP Name
SSA State County Code24440
Medicare CBSA Code99924
Medicare CBSA NameRural Areas in MN
Medicare CBSA TypeMicro
Market Rating Area ID9
County Mixed CaseMarshall

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 […]