Get multiple home insurance quotes in 49011. Our licensed 49011, MI agents are ready to serve you.

Compare 49011 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Athens just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 871 neighbors looking to save on their home insurance policy in the local 49011 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 49011. 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 Athens, 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 Athens, MI

49011 Home Insurance Average Premiums

Local 49011 homeowners insurance quotes comparison

$520 /yr.

Shows Zip Code: 49011 lowest rates with discounts applied on average.

For the 49011, 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)		$520 /yr.
Average Coverage:$770 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1070 /yr.

What is the average home insurance cost for a home in 49011?

  • • The average homeowners insurance premium paid annually for a home in 49011 is around $770 per year.

What does it cost on average per month for home insurance in 49011?

  • • Homeowners in 49011 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 49011?

  • • Autoowners in 49011 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 Athens area, check out other zip codes nearby 49011.
Review average rates in another zip code:
49011 homeowners insurance rates

Home Replacement Cost Coverage in 49011

Average Building Cost Per Square Foot in 49011: $132

Location: Athens, Michigan (Calhoun County)

Average Square Footage in 49011: 789 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 49011 before you start any project. Athens 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 49011 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 49011 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 789 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 Athens 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$132789$104,200
Additional Upgrades & Added Features$165789$130,250
Major Home Updates or Advancements$198789$156,300

It's important to understand that when you estimate your replacement cost of your home in the 49011 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 49011

Best Home & Auto Insurance Agencies in 49011

Housing Demographics for 49011

Population Review for 49011 Zip Code

For the city of Athens, the population within 49011 has increased to over 1,832 residents in population size. The current population total is 2,147. We have broken down the population based on race below. In 49011, there are over 1037 in male population and 1110 females.

PopulationValues
Total Population2,147
White Population1989
Black Population13
Hispanic Population61
Asian Population2
Hawaiian Population0
Indian Population30
Other Population17
Male Population1037
Female Population1110
Population Estimate1832

Household Data for 49011

The average number of homes in 49011 is around 871, there are an average of 2.46 per household. The average house value according to local real estate values is around $104,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode871
Persons Per Household2.46
Average House Value$104,200
Income Per Household$53813
Median Age44.3
Median Age Male42.6
Median Age Female45.9
49011 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code269
CityAthens
City Alias NameATHENS
CountyCalhoun
County FIPS025
State FIPS26
Time Zone5
Day Light SavingY
MSA3720
PMSA
CSA310
CBSA12980
CBSA_DIV
CBSA_TypeMetro
CBSA_NameBattle Creek, MI
MSA_NameKalamazoo-Battle Creek, MI MSA
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses29
Number Of Employees150
Business First Quarter Payroll1308
Business Annual Payroll5632
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population136146
CBSA Division Population0
Congressional District05
Congressional LandArea2348.7
Delivery Residential745
Delivery Business16
Delivery Total1301
Preferred Last Line KeyY11367
Classification Code
Multi-CountyY
CSA NameKalamazoo-Battle Creek-Portage, MI
CBSA_DIV_Name
City State KeyY11367
Land Area30.343000
Water Area0.222000
City Alias Code
City Mixed CaseAthens
City Alias Mixed CaseAthens
Box Count168
SFDU733
MFDU12
State ANSI26
County ANSI025
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number250380
Unique ZIP Name
SSA State County Code23120
Medicare CBSA Code12980
Medicare CBSA NameBattle Creek, MI
Medicare CBSA TypeMetro
Market Rating Area ID10
County Mixed CaseCalhoun

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 […]