Shop for Home Insurance in 49022 right now!

If you live in the 49022 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of Benton Harbor have saved hundreds of dollars on their annual premium when using GetHomeInsuranceQuotes.com.

Our service is always free and we not only find a great policy for you, our MI licensed agents will provide you with a free consultation to discuss your coverage needs and answer any questions you may have regarding policy coverages or rates.

It is easy to start shopping for a new policy, just click on the "Get Multiple Quotes Now" button below, confirm your 49022 and then compare quotes from a variety of nationwide insurance companies.

49022 Average Homeowners Insurance Rates

If you are shopping for a HO-3 policy, which is considered the standard when it comes to homeowners insurance, we can help. In 49022 the average premium for homeowners coverage is $728 which compares very well to the national average of $1,249.

Our site makes it easy for you to find the insurer that offers the best coverage at the best rate in 49022. We are happy to answer any questions you may have and explain the different type of coverage while helping you determine what coverage levels are best for your family.

Get Free Home Insurance Quotes in 49022 Today!

We can help you find up to 12 homeowners insurance quotes quickly and from the comfort of your own home. In addition, we can do a discount review to make sure you are getting all available discounts on your policy.

Click to review the best Benton Harbor, MI home insurance quotes in your area.

49022 Home Insurance Average Premiums

Local 49022 homeowners insurance quotes comparison

$478 /yr.

Shows Zip Code: 49022 lowest rates with discounts applied on average.

For the 49022, 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)	$478 /yr.
Average Coverage:	$728 /yr.
2600 sq. ft. or higher (all discounts applied)	$1028 /yr.

What is the average home insurance cost for a home in 49022?

• The average homeowners insurance premium paid annually for a home in 49022 is around $728 per year.

What does it cost on average per month for home insurance in 49022?

• Homeowners in 49022 pay a monthly average cost per month around $61.00.

What kind of discount could I get if I combine my home and auto insurance together in 49022?

• Autoowners in 49022 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 Benton Harbor area, check out other zip codes nearby 49022.
Review average rates in another zip code:
49022 homeowners insurance rates

Home Replacement Cost Coverage in 49022

Average Building Cost Per Square Foot in 49022: $132

Location: Benton Harbor, Michigan (Berrien County)

Average Square Footage in 49022: 809 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 49022 before you start any project. Benton Harbor 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 49022 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 49022 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 809 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 Benton Harbor 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	809	$106,800
Additional Upgrades & Added Features	$165	809	$133,500
Major Home Updates or Advancements	$198	809	$160,200

Calculate Your Dwelling Coverage in 49022

It's important to understand that when you estimate your replacement cost of your home in the 49022 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 Home & Auto Insurance Agencies in 49022

L A Insurance

Address: 2004 M 139 Benton Harbor, MI 49022
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Lull- Heidi M

Address: 271 E Napier Ave Benton Harbor, MI 49022
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ALF Insurance Agency

Address: 1682 Berrien Ave Benton Harbor, MI 49022
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Community Insurance Services

Address: 1380 E Napier Ave Benton Harbor, MI 49022
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Arlan's Insurance Center

Address: 1681 Reeder Ave Benton Harbor, MI 49022
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Housing Demographics for 49022

Population Review for 49022 Zip Code

For the city of Benton Harbor, the population within 49022 has increased to over 32,046 residents in population size. The current population total is 30,143. We have broken down the population based on race below. In 49022, there are over 14357 in male population and 15786 females.

Population	Values
Total Population	30,143
White Population	11314
Black Population	15556
Hispanic Population	2061
Asian Population	124
Hawaiian Population	15
Indian Population	163
Other Population	1213
Male Population	14357
Female Population	15786
Population Estimate	32046

Household Data for 49022

The average number of homes in 49022 is around 12,230, there are an average of 2.45 per household. The average house value according to local real estate values is around $106,800. Please review the following demographics below for average income and media age.

Housing / Income Data	Values
Households Per Zipcode	12,230
Persons Per Household	2.45
Average House Value	$106,800
Income Per Household	$33402
Median Age	38.6
Median Age Male	37.1
Median Age Female	39.6

49022 Details	Values
State	MI
State Full Name	Michigan
City Type	P
City Alias Abbreviation
Area Code	269
City	Benton Harbor
City Alias Name	BENTON HARBOR
County	Berrien
County FIPS	021
State FIPS	26
Time Zone	5
Day Light Saving	Y
MSA	0870
PMSA
CSA	515
CBSA	35660
CBSA_DIV
CBSA_Type	Metro
CBSA_Name	Niles, MI
MSA_Name	Benton Harbor, MI MSA
PMSA_Name
Region	Midwest
Division	East North Central
MailingName	Y

Economic & Growth Review	Values
Number Of Businesses	663
Number Of Employees	11615
Business First Quarter Payroll	407837
Business Annual Payroll	973421
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	156813
CBSA Division Population	0
Congressional District	04\|05\|06
Congressional LandArea	8457.8\|2348.7\|3546.74
Delivery Residential	13080
Delivery Business	1033
Delivery Total	14187
Preferred Last Line Key	Y11430
Classification Code
Multi-County	Y
CSA Name	South Bend-Elkhart-Mishawaka, IN-MI
CBSA_DIV_Name
City State Key	Y11430
Land Area	67.265000
Water Area	3.204000
City Alias Code
City Mixed Case	Benton Harbor
City Alias Mixed Case	Benton Harbor
Box Count	0
SFDU	10514
MFDU	1508
State ANSI	26
County ANSI	021
ZIP Intro
Alias Intro
Facility Code	P
City Delivery Indicator	Y
Carrier Route Rate Sortation	D
Finance Number	250860
Unique ZIP Name
SSA State County Code	23100
Medicare CBSA Code	35660
Medicare CBSA Name	Niles, MI
Medicare CBSA Type	Metro
Market Rating Area ID	9
County Mixed Case	Berrien

Michigan Homeowners Insurance News & Information

2025 List of States Where Finding Home Insurance Is Most Difficult and Why Posted on Tuesday 11th March, 2025
Homeowners insurance is a necessity if you own a home, particularly if you are currently carrying a mortgage. Mortgage lenders require homeowners insurance to protect their investment in your home by always carrying homeowners insurance. If your insurance is cancelled or you are non-renewed it can be a huge problem. As wildfires and major windstorms […]
Will Citizens Policyholders See a Home Insurance Rate Decrease? Posted on Tuesday 11th March, 2025
Recently, Gov. Ron DeSantis announced that over 20% of Citizens property insurance policyholders will see a premium decrease of roughly 5.6%. DeSantis also claimed that almost 73% of homeowners who have a policy with Citizens in Miami-Dade County will see a rate reduction of 6.3% on average. The state-run insurer, Citizens Property is finally shedding […]
Can $600 Million Help Lower Florida Homeowners Insurance Rates? Posted on Friday 14th February, 2025
Family relax on the couch. Happy beautiful young parents are smiling, hugging and playing with them kids at home together Governor DeSantis recently asked the legislature for over $600 million to help lower homeowners insurance in his 2025-26 budget request. The budget proposal asks for $590 million to go towards the My Safe Florida Home […]

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