Duluth Insurance Rates:

Duluth, MN home insurance is roughly $852 to $1,156, about $71-$96/month. Our all inclusive guide shows customers can save as much as $401 by comparing many quotes

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Duluth Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Allstate
Home Insurance Rate of $240/4 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $140,000

3 Beds, 3 Bath 1470 sqft Seasonal Residence Constructed In 1942 with Hardwood Flooring, Metal Roof, Piers Foundation, Stucco siding, Metal Frame Construction. Home Features Include Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

23 Years old Married Male who is a Freelancer with household income of $100-$150,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $250/5 months for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $80,000

2 Beds, 2 Bath 1120 sqft Seasonal Residence Constructed In 1945 with Stone Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Smoke Alarm, Copper Water Pipes, Central Air Conditioning, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

55 Years old Divorced Female who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $790/6 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $265,000

4 Beds, 4 Baths 2560 sqft Primary Residence Constructed In 1985 with Stone Flooring, Shingles Roof, Chainwall Foundation, Stone Siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

71 Years old Divorced Male who is a Freelancer with household income of $100-$150,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $330/2 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $270,000

5 Beds, 5 Baths 2920 sqft Seasonal Residence Constructed In 1941 with Wood Flooring, Slate Shingles Roof, Chainwall Foundation, Vinyl siding, Wood Frame. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

33 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $810/10 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $125,000

2 Beds, 2 Bath 1310 sqft Primary Residence Constructed In 1968 with Linoleum, Composition Roof, Chainwall Foundation, Wood siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Copper Water Pipes, Central Air Conditioning, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

55 Years old Single Male who has a Full Time Job with household income of $100-$150,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $350/8 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $95,000

2 Beds, 2 Bath 1260 sqft Rental Property Constructed In 1960 with Stone Flooring, Shingles Roof, Crawl Space Foundation, Stucco siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Indoor Sprinklers, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

48 Years old Single Female who has a Full Time Job with household income of more than $150,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $420/4 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $175,000

4 Beds, 4 Baths 2410 sqft Vacation Property Constructed In 1964 with Ceramic Tile Flooring, Metal Roof, Piers Foundation, Stucco siding, Brick Frame. Home Features Include Swimming Pool, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

25 Years old Divorced Male who has a Full Time Job with household income of $75-$100,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $470/5 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $175,000

4 Beds, 4 Baths 1920 sqft Primary Residence Constructed In 1982 with Hardwood Flooring, Tile Roof, Slab Foundation, Stone Siding, Wood Frame. Home Features Include Fireplace, Fire Extinguisher, Indoor Sprinklers, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

44 Years old Single Male who is a Freelancer with household income of more than $150,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 500-549 Credit Score

Home Insurance Rate of $550/3 months for $300,000-$350,000 Coverage
Policy Holder Home Details :

Home Value : $310,000

2 Beds, 2 Baths 1363 sqft Rental Property Constructed In 1930 with Hardwood Flooring, Composition Roof, Crawl Space Foundation, Vinyl siding, Brick Frame. Home Features Include Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

33 Years old Divorced Female who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Duluth, MN Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
55802 $333,300 $1,150
55812 $209,900 $1,050
55803 $203,300 $1,050
55804 $181,100 $1,040
55805 $122,600 $990
55807 $113,500 $990
55806 $110,800 $990
55808 $106,800 $990

Duluth Rates & Quotes Analysis:

Duluth Area Estimated House Insurance
Getchell Rd, Malstrom St, Madison St, 87th Ave W, Cliff Ave, N 8th Ave W, E Saint Marie St, Howard Gnesen Rd, N 20th Ave W, S 40th Ave E$1,009
Springvale Ct, Saint Louis Ave, S 32nd Ave E, Howard Gnesen Rd, N 57th Ave W, W Palm St, Lightning Dr, Wildlife Dr, Snelling Ave, Sherburne St$1,126
S 20th Ave E, Twp Rd 5482, Co Rd 589, Hotel Duluth, S 72nd Ave W, N 24th Ave W, Desota St, Alderberry Dr, Grove St, Riley Rd$1,024
91st Ave W, Trails End Dr, Hicken Rd, Midway Ave, Appalachian St, Twp Rd 5484, N 71st Ave E, Invader St, Kissel Ave, Vermilion Rd$1,020
Sherburne St, Pitt St, Oakland Ave, Lawn St, N Ebony Ave, Co Hwy 48, Graysolon Rd, 106th Ave W, Krueger Junction, S 57th Ave W$1,018
Foxtail Ave, Elder Cir, E Faribault St, Ridge Cir, Highland Village Dr, Milford St, Garden Park Dr, Columbia St, Fauvelle Rd, Fremont St$947
Ugstad Junction Rd, Lavaque Byp, S 47th Ave E, N Robin Ave, Terrace St, Taylor Cir, Co Rd 297, Coleman St, S Cascade St, Jackson Dr$1,020
Albion Aly, Tioga St, Skyline Pkwy E, Park Pl, Isanti St, Dogwood Ln, Westwood Rd, S 42nd Ave W, Devonshire St, 87th Ave W$953
Rutter Rd, W Reis St, Daveau Rd, 31st St S, S 21st Ave E, Okerstrom Rd, Ivanhoe St, Marko Dr, N 11th Ave W, Co Hwy 73$1,041
Vinland St, Traders Ct, N 51st Ave E, Cambridge St, Coachlight Cir, Ratika Rd, Ponderosa Ave, Lyons St, Thompson St, Oneida St$1,008

Insurance rates are influenced by a number of factors including:

  • Year Built: 17,529 Homes (45% of total homes ) built between 1939 or earlier in Duluth are paying home insurance between $2,148-$2,163. Places close to Duluth, MN such as Hermantown, Arnold, Rice Lake are more expensive by $84, $39, $48 respectively while Oliver(WI) and Parkland(WI) are cheaper by $791 and $806 respectively for similar homes.
  • Bedrooms: 6,333 1 bedroom homes (17% of total homes ) in Duluth are paying about $623. Areas near to Duluth such as Hermantown, Arnold, Rice Lake are costlier by $35, $12, $24 respectively whereas Oliver(WI) and Parkland(WI) are more economical by $153, $158 respectively for similar homes.
  • Auto Insurance Bundling: 9,462 Households (44% of all households) in Duluth have 2 vehicles available and when it is bundled with home insurance you can save $200. Discounts for similar bundling in close by locations such as Proctor, Hermantown, Arnold come to $201, $208, $204 respectively.
  • Senior Discounts: 10,094 seniors (more than 55 years) occupied housing units (47% of total) in Duluth get discounts between $150 to $152. The comparative concessions in proximate regions such as Proctor, Hermantown and Arnold are $150, $156 and $153 respectively.
  • New Homes discounts: New homes such as the 9,780 homes built between 2000 to 2009 in Duluth can save $200 and similar new home insurance discounts in nearby towns and cities like Proctor, Hermantown and Arnold are $201, $208 and $204 respectively.

Duluth Homeowners insurance Facts

  • Duluth, MN has 21,380 owner occupied houses which is 59.6% of all units whereas Proctor, Hermantown and Arnold have 73.28%, 73.11% and 90.96% respectively.
  • Duluth, MN homeowners yearly insurance price at $1,004 is 0.68% of the typical house value of $148,600 which is in contrast with 0.66% in Proctor, 0.48% at Hermantown & 0.56% in Arnold.
  • Homeowners in Duluth, MN pay 20.08% of their income (Less than $10,000) in insurance whereas homeowners in Proctor, Hermantown and Arnold pay 20.12%, 20.86% and 20.46% respectively.
  • Duluth, MN’s insurance is 6.9% of monthly housing costs of $1,221/month, for owners with a mortgage compared to 6.47% in Proctor, 5.83% at Hermantown & 5.48% in Arnold. But, for households without a mortgage, insurance is 18.7% of costs ($448 in Duluth, MN) in contrast with 20.45% in Proctor, 21.84% at Hermantown & 21.64% in Arnold.

Duluth, MN Home Values & Insurance rates

For example, insurance for 955 Homes (4.0% of total homes ) valued between $90,000 to $99,999 in Duluth, MN is about $632. Rates in nearby areas in such as Proctor, Midway, Oliver are cheaper by $9, $110, $194 respectively while Scanlon and Carlton are costlier by $55 and $147 respectively for similar homes.

Duluth, MN Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,293 6.0% $160
$50,000 to $59,999 248 1.0% $351
$60,000 to $69,999 377 1.0% $431
$70,000 to $79,999 530 2.0% $502
$80,000 to $89,999 1,043 5.0% $572
$90,000 to $99,999 955 4.0% $632
$100,000 to $124,999 3,341 16.0% $742
$125,000 to $149,999 3,076 15.0% $923
$150,000 to $174,999 2,854 14.0% $1094
$175,000 to $199,999 1,783 8.0% $1265
$200,000 to $249,999 2,275 11.0% $1516
$250,000 to $299,999 1,248 6.0% $1857
$300,000 to $399,999 1,144 5.0% $2359

Renters Insurance in Duluth

  • Average Renters Insurance in Duluth :  $167($13/month)

  • Median Gross Rent in Duluth :  $689

  • Duluth Renters Insurance to Median Rent Ratio:  1.89%

  • Renter occupied housing units in Duluth :  14,482

Duluth Renters Insurance as a Percentage of Rent

Duluth Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 529 3.0% $341
$200 to $299 971 6.0% $791
$300 to $499 1,898 13.0% $1241
$500 to $749 4,758 33.0% $1916
$750 to $999 3,198 22.0% $2666
$1,000 to $1,499 1,630 11.0% $3791
$1,500 or more 1,029 7.0% $5441

Protective device discount in Duluth Up to :  $25

Claims-free discount in Duluth Up to :  $33