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Compare 49090 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in South Haven just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 5,720 neighbors looking to save on their home insurance policy in the local 49090 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 49090. 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 South Haven, 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 South Haven, MI

49090 Home Insurance Average Premiums

Local 49090 homeowners insurance quotes comparison

$557 /yr.

Shows Zip Code: 49090 lowest rates with discounts applied on average.

For the 49090, 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)
$557 /yr.
Average Coverage:$807 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1107 /yr.

What is the average home insurance cost for a home in 49090?

  • • The average homeowners insurance premium paid annually for a home in 49090 is around $807 per year.

What does it cost on average per month for home insurance in 49090?

  • • Homeowners in 49090 pay a monthly average cost per month around $67.00.

What kind of discount could I get if I combine my home and auto insurance together in 49090?

  • • Autoowners in 49090 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 South Haven area, check out other zip codes nearby 49090.
Review average rates in another zip code:
49090 homeowners insurance rates

Home Replacement Cost Coverage in 49090

Average Building Cost Per Square Foot in 49090: $132

Location: South Haven, Michigan (Van Buren County)

Average Square Footage in 49090: 1,536 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 49090 before you start any project. South Haven 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 49090 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 49090 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,536 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 South Haven 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$1321,536$202,800
Additional Upgrades & Added Features$1651,536$253,500
Major Home Updates or Advancements$1981,536$304,200

It's important to understand that when you estimate your replacement cost of your home in the 49090 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 49090

Best Home & Auto Insurance Agencies in 49090

Allstate Insurance Companies

Address: 501 Quaker St South Haven, MI 49090
Phone:
Website:
Info:

Greenman- Danny L - State Farm Insurance Agent

Address: 241 Blue Star Hwy South Haven, MI 49090
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Olson- Andrea K

Address: 228 Broadway St South Haven, MI 49090
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Housing Demographics for 49090

Population Review for 49090 Zip Code

For the city of South Haven, the population within 49090 has increased to over 15,695 residents in population size. The current population total is 13,286. We have broken down the population based on race below. In 49090, there are over 6363 in male population and 6923 females.

PopulationValues
Total Population13,286
White Population10256
Black Population1058
Hispanic Population1339
Asian Population106
Hawaiian Population2
Indian Population126
Other Population727
Male Population6363
Female Population6923
Population Estimate15695

Household Data for 49090

The average number of homes in 49090 is around 5,720, there are an average of 2.30 per household. The average house value according to local real estate values is around $202,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,720
Persons Per Household2.30
Average House Value$202,800
Income Per Household$54598
Median Age49.1
Median Age Male48.2
Median Age Female49.8
49090 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code269
CitySouth Haven
City Alias NameSOUTH HAVEN
CountyVan Buren
County FIPS159
State FIPS26
Time Zone5
Day Light SavingY
MSA3720
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_NameKalamazoo-Battle Creek, MI MSA
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses405
Number Of Employees4296
Business First Quarter Payroll45214
Business Annual Payroll207004
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District04
Congressional LandArea8457.8
Delivery Residential6824
Delivery Business485
Delivery Total7663
Preferred Last Line KeyY12805
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyY12805
Land Area78.281000
Water Area2.312000
City Alias Code
City Mixed CaseSouth Haven
City Alias Mixed CaseSouth Haven
Box Count241
SFDU5384
MFDU246
State ANSI26
County ANSI159
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number258810
Unique ZIP Name
SSA State County Code23790
Medicare CBSA Code99923
Medicare CBSA NameRural Areas in MI
Medicare CBSA TypeMicro
Market Rating Area ID9
County Mixed CaseVan Buren

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 […]