Puposky, MN Home Insurance Quotes!

Puposky homeowners, if you are looking for competitive rates that are affordable then easily shop up to 12 Minnesota home insurance quotes today with GetHomeInsuranceQuotes.com. Because we only take a few minutes of your time to request quotes from us, we begin the shopping process. Our online quoting system allows you to enjoy the hassle free, secure opportunity to get the quotes you need fast. We also offer professional advice and free consultation so that our Puposky, MN licensed home insurance agent can help you determine which home insurance carrier and coverage option is right for you and your family.

Homeowners Insurance Rates in Puposky

Home insurance rates for your home in Puposky will vary depending on many factors including location, risk, upkeep, liability and so much more. Homeowners in your local area are paying around $849 per year up to rates as high as $1,399 a year for a standard HO-3 homeowners policy. Most customers are seeing rates in the middle range around $1,099 per year or $92 per month. We can help you shop lower rates and apply all availble discounts to help save on your insurance cost.

If you compare local rates to rates throughout the state, the average premium is around $1,481 for homeowners insurance coverage on average, where the majority of the countries home insurance premiums are around $1,311. These average homeowners insurance rates reflect the cost of a standard home insurance policy which includes the coverage of your home, your contents, loss of use, medical payments and homeowner liability coverage.

Getting Multiple Puposky Quotes & Save!

Shopping online for home insurance in Minnesota is much easier when you can compare multiple homeowners insurance rates at once. We realize time is a very important factor when looking for cheaper rates. Some homeowners are very urgent to save more on there annual premium. Other homeowners are in the last stage of the new home buying process and need finalize a home insurance policy immediately. Since the average Minnesota home insurance rate is $1,481. Our quoting system allows you to save up to 40% on your home insurance premium. Plus, we will consider all the home insurance discount options, which would allow you to benefit additional savings with better coverage features and packages.

Let us help you save more, start your only home insurance quote today or give us a Call at 1-855-976-2656.

Puposky, MN Housing & City Data

Source	Value
Location:	Puposky, MN (BELTRAMI County)
Population:	4,634
Occupied Residents:	1,848
Average Real Estate Value Per Zip Code:	$196,700

Compare Homeowners Insurance Rates in Puposky, MN!

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Average Rates Nearby Puposky

Are you looking for homeowners insurance in a city near Puposky? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Puposky, MN

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Puposky.

56667,

Puposky, MN Home Insurance Average Premiums

Local Puposky, MN home insurance quotes comparison

$849 /yr.

Shows Puposky's lowest average rates with discounts applied.

For the city of Puposky, 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)	$849 /yr.
Average Coverage:	$1099 /yr.
2600 sq. ft. or higher (all discounts applied)	$1399 /yr.

What is the average home insurance cost for a home in Puposky, MN?

• The average homeowners insurance premium paid annually for a home in Puposky is around $1099 per year.

What does it cost on average per month for home insurance in Puposky, MN?

• Homeowners in Puposky pay an average cost per month around $92.00 for insurance coverage.

Puposky, MN - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$189,284	$171,735
February	$191,718	$175,038
March	$195,668	$180,111
April	$197,335	$184,178

Homeowners insurance will help cover the cost to repair or replace your Puposky home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Puposky
Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.

Get up to 12 competitive Puposky, MN homeowners insurance rates all in one place!

Saving Money Tips on Puposky Home Insurance

A great way to save money on Puposky homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the Puposky area? Check out what homeowners are paying on average for Minnesota homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation	Details	Homeowners Tips
1356 ft.	This is the average home elevation in Puposky, MN	Did you know that the elevation in which your home resides is crucial to a home insurance policy because it determines the risk factor related to your home being in a flood zone. It is important to understand that your home is not covered for floods under a standard homeowners policy. You will need to speak with a local Minnesota flood insurance agent about a flood insurance policy, please give us a call now at 888-620-1954.

To get online quotes on your home and compare rates on home insurance premiums in Puposky, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Beltrami County.

Minnesota Homeowners Insurance News & Information

$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 […]
I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024
According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]
How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024
Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm. Understanding the different coverages that are available to homeowners is key to making sure you […]
Homeowners Shopping Rates Due to Rise in Premiums Posted on Monday 23rd September, 2024
According to the recently released J.D. Power 2024 U.S. Home Insurance Study a nationwide rise in premiums has driven many customers to shop for new policies as their rates are now too high. “’The average shopping rate among home insurance customers has climbed to a record high of 6.8% through the second quarter of 2024, […]
Where is it cheaper to rent than to buy a home in the United States? Posted on Thursday 5th September, 2024
According to a new study from Clever Real Estate, a St. Louis-based real estate company, monthly rent costs are actually cheaper than a monthly mortgage payment in 48 of the 50 most populous cities in the United States. Their analysis looked at mortgage principals, interest, taxes as well as homeowners insurance and they found that […]

Puposky, MN Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Puposky so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Puposky, MN?

- The average square footage in Puposky is around 1,046 Sq. Ft. which would cost you around $196,700 to replace the home if you base the home on the price to build per square foot of $188.

Minimum Replacement Cost Total: $196,700

Location: Puposky, Minnesota (Beltrami County)

Average Building Cost Per Square Foot in Puposky: $188 (low end)

Average Square Footage in Puposky: 1,046 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$188	$196,700
Some Additional Upgrades	$235	$245,875
Major Home Updates or Advancements	$282	$295,050

Calculate Your Puposky, MN Dwelling Coverage

The dwelling coverage is calculated by the average cost per square foot ($188) in Puposky, Minnesota times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $587,500 (Media price to build of $235 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.