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Compare 48846 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Ionia just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 6,080 neighbors looking to save on their home insurance policy in the local 48846 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 48846. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Michigan rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Ionia, MI home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Ionia, MI

48846 Home Insurance Average Premiums

Local 48846 homeowners insurance quotes comparison

$530 /yr.

Shows Zip Code: 48846 lowest rates with discounts applied on average.

For the 48846, 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)		$530 /yr.
Average Coverage:$780 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1080 /yr.

What is the average home insurance cost for a home in 48846?

  • • The average homeowners insurance premium paid annually for a home in 48846 is around $780 per year.

What does it cost on average per month for home insurance in 48846?

  • • Homeowners in 48846 pay a monthly average cost per month around $65.00.

What kind of discount could I get if I combine my home and auto insurance together in 48846?

  • • Autoowners in 48846 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 Ionia area, check out other zip codes nearby 48846.
Review average rates in another zip code:
48846 homeowners insurance rates

Home Replacement Cost Coverage in 48846

Average Building Cost Per Square Foot in 48846: $132

Location: Ionia, Michigan (Ionia County)

Average Square Footage in 48846: 1,040 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 48846 before you start any project. Ionia 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 48846 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 48846 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,040 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 Ionia 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$1321,040$137,300
Additional Upgrades & Added Features$1651,040$171,625
Major Home Updates or Advancements$1981,040$205,950

It's important to understand that when you estimate your replacement cost of your home in the 48846 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 48846

Best Home & Auto Insurance Agencies in 48846

Allstate Insurance

Address: 200 W Main St Ionia, MI 48846
Phone:
Website:
Info:

Ionia County Insurance

Address: 2113 S State Rd Ionia, MI 48846
Phone:
Website:
Info:

Housing Demographics for 48846

Population Review for 48846 Zip Code

For the city of Ionia, the population within 48846 has increased to over 16,620 residents in population size. The current population total is 22,470. We have broken down the population based on race below. In 48846, there are over 14577 in male population and 7893 females.

PopulationValues
Total Population22,470
White Population17776
Black Population3042
Hispanic Population1531
Asian Population81
Hawaiian Population7
Indian Population113
Other Population415
Male Population14577
Female Population7893
Population Estimate16620

Household Data for 48846

The average number of homes in 48846 is around 6,080, there are an average of 2.55 per household. The average house value according to local real estate values is around $137,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode6,080
Persons Per Household2.55
Average House Value$137,300
Income Per Household$58612
Median Age37.8
Median Age Male37.3
Median Age Female39.2
48846 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code616
CityIonia
City Alias NameIONIA
CountyIonia
County FIPS067
State FIPS26
Time Zone5
Day Light SavingY
MSA
PMSA
CSA266
CBSA24340
CBSA_DIV
CBSA_TypeMetro
CBSA_NameGrand Rapids-Wyoming-Kentwood, MI
MSA_Name
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses285
Number Of Employees5134
Business First Quarter Payroll46976
Business Annual Payroll202125
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population774160
CBSA Division Population0
Congressional District02
Congressional LandArea3281.19
Delivery Residential6518
Delivery Business437
Delivery Total7081
Preferred Last Line KeyY12125
Classification Code
Multi-County
CSA NameGrand Rapids-Wyoming, MI
CBSA_DIV_Name
City State KeyY12125
Land Area110.632000
Water Area1.008000
City Alias Code
City Mixed CaseIonia
City Alias Mixed CaseIonia
Box Count76
SFDU5277
MFDU456
State ANSI26
County ANSI067
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number254710
Unique ZIP Name
SSA State County Code23330
Medicare CBSA Code24340
Medicare CBSA NameGrand Rapids-Kentwood, MI
Medicare CBSA TypeMetro
Market Rating Area ID12
County Mixed CaseIonia

Michigan Homeowners Insurance News & Information

  • 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 […]

  • 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 […]