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49050 Home Insurance Rates & Premiums

Did you know there are over 1,552 people living within the 49050 zip code area? There are over 581 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 49050.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Michigan are on the rise. The estimated average premium is around $732 a year for a standard homeowners insurance policy in Dowling. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Dowling, MI Homeowners Insurance Quotes Online

49050 Home Insurance Average Premiums

Local 49050 homeowners insurance quotes comparison

$482 /yr.

Shows Zip Code: 49050 lowest rates with discounts applied on average.

For the 49050, 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)		$482 /yr.
Average Coverage:$732 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1032 /yr.

What is the average home insurance cost for a home in 49050?

  • • The average homeowners insurance premium paid annually for a home in 49050 is around $732 per year.

What does it cost on average per month for home insurance in 49050?

  • • Homeowners in 49050 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 49050?

  • • Autoowners in 49050 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 Dowling area, check out other zip codes nearby 49050.
Review average rates in another zip code:
49050 homeowners insurance rates

Home Replacement Cost Coverage in 49050

Average Building Cost Per Square Foot in 49050: $132

Location: Dowling, Michigan (Barry County)

Average Square Footage in 49050: 1,394 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 49050 before you start any project. Dowling 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 49050 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 49050 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,394 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 Dowling 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$1321,394$184,000
Additional Upgrades & Added Features$1651,394$230,000
Major Home Updates or Advancements$1981,394$276,000

It's important to understand that when you estimate your replacement cost of your home in the 49050 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 49050

Best Home & Auto Insurance Agencies in 49050

Housing Demographics for 49050

Population Review for 49050 Zip Code

For the city of Dowling, the population within 49050 has increased to over 1,746 residents in population size. The current population total is 1,552. We have broken down the population based on race below. In 49050, there are over 771 in male population and 781 females.

PopulationValues
Total Population1,552
White Population1468
Black Population4
Hispanic Population32
Asian Population4
Hawaiian Population0
Indian Population12
Other Population12
Male Population771
Female Population781
Population Estimate1746

Household Data for 49050

The average number of homes in 49050 is around 581, there are an average of 2.67 per household. The average house value according to local real estate values is around $184,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode581
Persons Per Household2.67
Average House Value$184,000
Income Per Household$67188
Median Age45.8
Median Age Male44.0
Median Age Female48.6
49050 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code269
CityDowling
City Alias NameDOWLING
CountyBarry
County FIPS015
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 Businesses10
Number Of Employees84
Business First Quarter Payroll603
Business Annual Payroll2953
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 Residential654
Delivery Business9
Delivery Total1707
Preferred Last Line KeyY11761
Classification Code
Multi-County
CSA NameGrand Rapids-Wyoming, MI
CBSA_DIV_Name
City State KeyY11761
Land Area25.436000
Water Area0.877000
City Alias Code
City Mixed CaseDowling
City Alias Mixed CaseDowling
Box Count30
SFDU654
MFDU0
State ANSI26
County ANSI015
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number252610
Unique ZIP Name
SSA State County Code23070
Medicare CBSA Code99923
Medicare CBSA NameRural Areas in MI
Medicare CBSA TypeMicro
Market Rating Area ID11
County Mixed CaseBarry

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 […]