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49051 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 49051? There are over 950 occupied homes in the 49051 area. With a population size of 2,340, it's not uncommon for residence of East Leroy, MI to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Michigan is around $729 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 49051 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: East Leroy, MI Home Insurance Rate Quotes

49051 Home Insurance Average Premiums

Local 49051 homeowners insurance quotes comparison

$479 /yr.

Shows Zip Code: 49051 lowest rates with discounts applied on average.

For the 49051, 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)		$479 /yr.
Average Coverage:$729 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1029 /yr.

What is the average home insurance cost for a home in 49051?

  • • The average homeowners insurance premium paid annually for a home in 49051 is around $729 per year.

What does it cost on average per month for home insurance in 49051?

  • • Homeowners in 49051 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 49051?

  • • Autoowners in 49051 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 East Leroy area, check out other zip codes nearby 49051.
Review average rates in another zip code:
49051 homeowners insurance rates

Home Replacement Cost Coverage in 49051

Average Building Cost Per Square Foot in 49051: $132

Location: East Leroy, Michigan (Calhoun County)

Average Square Footage in 49051: 1,620 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 49051 before you start any project. East Leroy 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 49051 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 49051 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,620 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 East Leroy 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$1321,620$213,900
Additional Upgrades & Added Features$1651,620$267,375
Major Home Updates or Advancements$1981,620$320,850

It's important to understand that when you estimate your replacement cost of your home in the 49051 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 49051

Best Home & Auto Insurance Agencies in 49051

Housing Demographics for 49051

Population Review for 49051 Zip Code

For the city of East Leroy, the population within 49051 has increased to over 2,378 residents in population size. The current population total is 2,340. We have broken down the population based on race below. In 49051, there are over 1158 in male population and 1182 females.

PopulationValues
Total Population2,340
White Population2183
Black Population5
Hispanic Population55
Asian Population12
Hawaiian Population1
Indian Population13
Other Population27
Male Population1158
Female Population1182
Population Estimate2378

Household Data for 49051

The average number of homes in 49051 is around 950, there are an average of 2.46 per household. The average house value according to local real estate values is around $213,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode950
Persons Per Household2.46
Average House Value$213,900
Income Per Household$89310
Median Age48.1
Median Age Male47.9
Median Age Female48.3
49051 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code269
CityEast Leroy
City Alias NameEAST LEROY
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 Businesses22
Number Of Employees57
Business First Quarter Payroll615
Business Annual Payroll4158
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 District03|05
Congressional LandArea2628.74|2348.7
Delivery Residential967
Delivery Business14
Delivery Total1046
Preferred Last Line KeyY11799
Classification Code
Multi-County
CSA NameKalamazoo-Battle Creek-Portage, MI
CBSA_DIV_Name
City State KeyY11799
Land Area28.072000
Water Area0.220000
City Alias Code
City Mixed CaseEast Leroy
City Alias Mixed CaseEast Leroy
Box Count45
SFDU966
MFDU1
State ANSI26
County ANSI025
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number252750
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

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    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 […]