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Check Out 48749 Home Insurance Rates
Shopping for homeowners insurance is never fun but at GetHomeInsuranceQuotes.com we make the process much easier. We will provide you with multiple quotes and coverage options for your home in Omer, MI.
We will gather some basic information about your home in Omer, MI and will then get to work and gather quotes from up to 12 nationwide home insurers who will provide their most competitive prices for your policy needs.
Our service is always free and we have a team of Michigan licensed home insurance professionals who can walk you through your policy options as well as answer any questions you may have about rates or coverage levels. In addition they will do a discount review to make sure you are getting all of the discounts that you are entitled to receive.
If you are ready to start researching homeowner insurance rates in 48749 simply click the "Get Multiple Quotes Now" button.
Research Home Insurance Quotes in 48749
We have pulled together a variety of data related to homeowners insurance in Michigan. Simply click on one of the links below to learn about the average cost of homeowners insurance in Michigan as well as local coverage options.
You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Omer, MI home insurance quotes in your local city and review the most competitive coverages and premiums.
48749 Homeowners Insurance Rates, Average Rating: medium!
Homeowners insurance policies in 48749 include both property and casualty coverage which protects your home from a variety of risks which include but are not limited to fire, theft, vandalism, and wind damage. A standard homeowner policy also includes liability protection, which can come in handy if someone is injured on your property.
Unfortunately, flood and earthquake damage is not covered by a standard homeowners insurance policy so if you are located in a flood plain or high risk area, you will need a separate flood policy.
Regardless of what type of homeowners insurance you need, we can help you find a great policy at an affordable price. Data shows that for a standard homeowner policy in Michigan is roughly $740. In most cases, we can help you save up to 40 percent on your homeowner insurance costs.
Get started right now saving on your 48749 homeowners insurance policy!
48749 Home Insurance Average Premiums
$490 /yr.
Shows Zip Code: 48749 lowest rates with discounts applied on average.
For the 48749, 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) | $490 /yr. |
| Average Coverage: | $740 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1040 /yr. |
What is the average home insurance cost for a home in 48749?
- • The average homeowners insurance premium paid annually for a home in 48749 is around $740 per year.
What does it cost on average per month for home insurance in 48749?
- • Homeowners in 48749 pay a monthly average cost per month around $62.00.
What kind of discount could I get if I combine my home and auto insurance together in 48749?
- • Autoowners in 48749 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 Omer area, check out other zip codes nearby 48749.
Review average rates in another zip code:
48749 homeowners insurance rates
Home Replacement Cost Coverage in 48749
Average Building Cost Per Square Foot in 48749: $132
Location: Omer, Michigan (Arenac County)Average Square Footage in 48749: 705 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 48749 before you start any project. Omer homeowners pay on average around $132 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 48749 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 48749 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 705 sq. ft. and the average cost to rebuild the home in this area is around $132 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 Omer 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $132 | 705 | $93,000 |
| Additional Upgrades & Added Features | $165 | 705 | $116,250 |
| Major Home Updates or Advancements | $198 | 705 | $139,500 |
It's important to understand that when you estimate your replacement cost of your home in the 48749 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 48749
Best Home & Auto Insurance Agencies in 48749
Housing Demographics for 48749
Population Review for 48749 Zip Code
For the city of Omer, the population within 48749 has increased to over 1,094 residents in population size. The current population total is 1,118. We have broken down the population based on race below. In 48749, there are over 545 in male population and 573 females.
| Population | Values |
|---|---|
| Total Population | 1,118 |
| White Population | 1067 |
| Black Population | 5 |
| Hispanic Population | 22 |
| Asian Population | 1 |
| Hawaiian Population | 0 |
| Indian Population | 5 |
| Other Population | 2 |
| Male Population | 545 |
| Female Population | 573 |
| Population Estimate | 1094 |
Household Data for 48749
The average number of homes in 48749 is around 492, there are an average of 2.27 per household. The average house value according to local real estate values is around $93,000. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 492 |
| Persons Per Household | 2.27 |
| Average House Value | $93,000 |
| Income Per Household | $46618 |
| Median Age | 50.8 |
| Median Age Male | 52.2 |
| Median Age Female | 49.9 |
| 48749 Details | Values |
|---|---|
| State | MI |
| State Full Name | Michigan |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 989 |
| City | Omer |
| City Alias Name | OMER |
| County | Arenac |
| County FIPS | 011 |
| State FIPS | 26 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | |
| CBSA_DIV | |
| CBSA_Type | |
| CBSA_Name | |
| MSA_Name | |
| PMSA_Name | |
| Region | Midwest |
| Division | East North Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 17 |
| Number Of Employees | 75 |
| Business First Quarter Payroll | 515 |
| Business Annual Payroll | 2693 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 0 |
| CBSA Division Population | 0 |
| Congressional District | 01 |
| Congressional LandArea | 25027.75 |
| Delivery Residential | 482 |
| Delivery Business | 12 |
| Delivery Total | 569 |
| Preferred Last Line Key | Y12513 |
| Classification Code | |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | Y12513 |
| Land Area | 38.789000 |
| Water Area | 0.535000 |
| City Alias Code | |
| City Mixed Case | Omer |
| City Alias Mixed Case | Omer |
| Box Count | 63 |
| SFDU | 482 |
| MFDU | 0 |
| State ANSI | 26 |
| County ANSI | 011 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 257020 |
| Unique ZIP Name | |
| SSA State County Code | 23050 |
| Medicare CBSA Code | 99923 |
| Medicare CBSA Name | Rural Areas in MI |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 8 |
| County Mixed Case | Arenac |
Michigan Homeowners Insurance News & Information
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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 […]
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