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Compare 48881 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Saranac just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 2,141 neighbors looking to save on their home insurance policy in the local 48881 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 48881. 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 Saranac, 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 Saranac, MI

48881 Home Insurance Average Premiums

Local 48881 homeowners insurance quotes comparison

$517 /yr.

Shows Zip Code: 48881 lowest rates with discounts applied on average.

For the 48881, 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)		$517 /yr.
Average Coverage:$767 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1067 /yr.

What is the average home insurance cost for a home in 48881?

  • • The average homeowners insurance premium paid annually for a home in 48881 is around $767 per year.

What does it cost on average per month for home insurance in 48881?

  • • Homeowners in 48881 pay a monthly average cost per month around $64.00.

What kind of discount could I get if I combine my home and auto insurance together in 48881?

  • • Autoowners in 48881 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 Saranac area, check out other zip codes nearby 48881.
Review average rates in another zip code:
48881 homeowners insurance rates

Home Replacement Cost Coverage in 48881

Average Building Cost Per Square Foot in 48881: $132

Location: Saranac, Michigan (Ionia County)

Average Square Footage in 48881: 1,278 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 48881 before you start any project. Saranac 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 48881 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 48881 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,278 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 Saranac 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$1321,278$168,700
Additional Upgrades & Added Features$1651,278$210,875
Major Home Updates or Advancements$1981,278$253,050

It's important to understand that when you estimate your replacement cost of your home in the 48881 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 48881

Mill Creek Insurance Agency

Address: 31 Main Street Saranac, MI 48881
Phone: (616)642-9433
Website: www.progressive.com

Best Home & Auto Insurance Agencies in 48881

Housing Demographics for 48881

Population Review for 48881 Zip Code

For the city of Saranac, the population within 48881 has increased to over 5,417 residents in population size. The current population total is 5,438. We have broken down the population based on race below. In 48881, there are over 2775 in male population and 2663 females.

PopulationValues
Total Population5,438
White Population5068
Black Population20
Hispanic Population158
Asian Population22
Hawaiian Population1
Indian Population19
Other Population67
Male Population2775
Female Population2663
Population Estimate5417

Household Data for 48881

The average number of homes in 48881 is around 2,141, there are an average of 2.54 per household. The average house value according to local real estate values is around $168,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,141
Persons Per Household2.54
Average House Value$168,700
Income Per Household$67171
Median Age42.4
Median Age Male42.0
Median Age Female42.9
48881 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code616
CitySaranac
City Alias NameSARANAC
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 Businesses77
Number Of Employees614
Business First Quarter Payroll5720
Business Annual Payroll28161
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 Residential2133
Delivery Business25
Delivery Total2477
Preferred Last Line KeyY12741
Classification Code
Multi-County
CSA NameGrand Rapids-Wyoming, MI
CBSA_DIV_Name
City State KeyY12741
Land Area54.026000
Water Area0.326000
City Alias Code
City Mixed CaseSaranac
City Alias Mixed CaseSaranac
Box Count94
SFDU1961
MFDU147
State ANSI26
County ANSI067
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number258460
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

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